davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-20
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. (IL)

In accordance with the Fair Credit Reporting Act, the list of accounts provided below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section. 

Account : XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX ( XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A : States my right to privacy as a consumer.

15 U.S.C 1681 section 602 A Section 2 : States that a consumer reporting agency may not furnish information about a consumer 's creditworthiness, credit standing, credit capacity, or other personal information to any third party unless the consumer has given prior written instructions as consent for such disclosure.

15 U.S.C 1681c ( a ) ( 5 ) : 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 7 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 a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

On XX/XX/2023, I made a {$1600.00} cash deposit on the drive through ATM at the CitiBank branch located at XXXX XXXX XXXX XXXX. Upon the trial, the machine only gave me a slip saying that there was a technical error and that it could not give it to me back. 

I contacted customer service and its been more than 2 months since the occurrence.
Consumer complaint received 2018-03-19
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: EQUIFAX, INC. (NC)

I submitted an investigation request onXX/XX/XXXX. More than 30 days have gone by, and I have yet to receive the results of my credit investigations.
Consumer complaint received 2023-04-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

XXXX XXXX has reported on credit report a debt from XX/XX/XXXX. This was previously reported and deleted XXXX, and XXXX. I contacted main line fertility spoke with XXXX at XXXX. Per XXXX there is no record of debt owed from XXXX. Per XXXX collection activity was started and sent to XXXX collection on or around XXXX as this debt was incurred XXXX. The company has falsified dates. I have disputed with the three bureaus. XXXX has removed and has not allowed this to be reported again as it is too old to be reported. This debt is well over seven years old and the collection company can not change the date to continue to report negatively on report.
Consumer complaint received 2023-04-20
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)

I would like to remind XXXX XXXX XXXXXXXX that, as a victim of identity theft, I have the right to dispute any account created using my personal information. I have filled an FTC affidavit in early XXXX and sent it to the CFPB, who subsequently sent it to XXXX XXXX XXXXXXXX. I have been out of the country since XX/XX/2023 and, upon my return, I received multiple mails from XXXX XXXX  XXXX asking me for a copy of the FTC report. By declining my claim, XXXX XXXX XXXXXXXX is denying me my rights under the Fair Credit Act. I would like to remind XXXX XXXXXXXX XXXX that they have a copy of the FTC report, which the CFPB sent them, and request that they reconsider my claim.
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

As ofXX/XX/XXXX item is reporting as 90 Days late. The item was paid in full and on time. I called customer service in XX/XX/XXXXregarding the issue but the item is still showing on my credit report.
Consumer complaint received 2023-04-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The Credit Bureaus stated my accounts XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, was properly investigated and verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX, but how is that possible if the dates last updated is inaccurate, the close date is inaccurate, on all three bureaus have three different years when they start reporting about the same accounts. When the accounts where in good standings so-called late payment dates are inaccurate or missing from XXXX, XXXX, XXXX. One bureau, Transunion has since removed the XXXX XXXX XXXX XXXX # XXXX, file since filing my last complaint on XX/XX/XXXX. Transunion once again verified the, '' XXXX XXXX XXXX '', account again on XX/XX/XXXX. Which contradict the other two Bureaus XXXX even went as far to update the XXXX XXXX XXXX XXXX a file they know is inaccurate. Even after I supplied the documents showing conflict between the three Bureaus so-called verified accounts. All three Bureaus still have not removed the XXXX XXXX XXXX # XXXX file. Even after their so-called verification and investigations which were never showed proving to be factual or accurate. XXXX violations total is XXXX, between the 3 accounts. Transunion violation total is XXXX, between the two accounts. XXXX  total violations total 14 between the two accounts. This is grounds for removal they also violated my rights under 15 U.S.C 1681 ( 5 ) 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 ;
Consumer complaint received 2023-04-22
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

To whom, It May Concern : Companies listed below we're not authorize to pull my credit and I would like these inquires removed from my credit reports. I've already reach out numeruos times now and they have failed to do anything. 

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 2018-03-19
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: EQUIFAX, INC. (MI)

I have disputed Inaccurate reporting of XXXX/XXXX XXXX XXXX multiple times with XXXX, Equifax and XXXX with no help. These are not my account. 

XXXXXXXX XXXX XXXX Last reported : XX/XX/XXXX {$3900.00} 120+ Days Late XXXXXXXX XXXX XXXX Last reported : XX/XX/XXXX {$2900.00} 120+ Days Late
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion harassment Of XXXX XXXX by Spamming his mail box with the information provided and not investigating and or solving the issue at hand which is student loans that are past the age and need to be taken off of XXXX XXXX Credit report. 
Closing the case by just sending mail of the Loan as it appears on the website... 
Harassing mail documents Please ask TransUnion to cease stop harassment... 
I am getting aggravated Tell Transuion to do some work... 
TransUnion has not upgraded XXXX XXXX XXXX XXXX for the month of XXXX Again please inform TransUnion to do some work and get the message at hand .... 
Workers at TransUnion are getting paid to do a job and unfortunately they are not getting the message after the 20 the time of complaining.. 
Apparently their are no supervisors or head that keep their workers accountable and make sure that people who depend on them while they have more important things like life issues while TransUnion sleep and drink coffee all day... 
Respectfully This is the letter received from department of Ed Again for the 20 the time close student loans XXXX XXXX XXXX XXXX reoprt Remove student loans from XXXX XXXX Credit report And remove delinquency from credit report because the age is more than 7 years as stated by law Transuion closing cases Stating that they solved the issue By spamming mail box .. harassment Threatening mail and not handling the issue at hand
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — Store credit 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: OPTUM BANK, INC. (FL)

On XX/XX/XXXX I sent the finance company a dispute letter of the XX/XX/XXXX charge in the amount of {$24000.00}. They replied with a letter dated XX/XX/XXXX that they had issued a provisional credit until they finish their research. Their next letter received dated XX/XX/XXXX, stated that they had issued a PERMANENT credit for the disputed amount ( {$24000.00} ) + interest and fees accrued. This should have brought my balance to {$0.00}. About a month later I received a statement showing the provisional credit of $ XXXX was credited on XX/XX/XXXX. It also shows the provisional credit was REVERSED on XX/XX/XXXX. This transaction occurred 1 day before the letter that stated that the provisional credit ( $ XXXX ) would be permanent. There is also a direct transaction credit from the Merchant of only {$20000.00}. This transaction wasn't authorized and such credit leaves the account with a balance of {$3000.00} + a finance charge of {$20.00} = {$3000.00}. I don't know why I owe this when the dispute was settled, and I didn't authorize this. The finance company explained to me that the merchant credited less and that I would have to talk to them. When I spoke with the merchant, they told me that " what was done is done. ''
Consumer complaint received 2024-08-29
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/year> Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX  XXXX XXXX Dear Sir/Madam , I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX  XXXX XXXX  despite the necessary steps being taken on my part to rectify this incorrect information. 
I recently disputed the presence of a late payment on my XXXX XXXX  XXXX XXXX  account, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 
Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 
I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 
Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX  XXXX XXXX I appreciate your attention to this matter and look forward to a swift resolution. 
Thank you for your prompt assistance in this regard. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-10
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. (MD)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to be identified transactions. The identified transactions are not information related to any transactions by me as the consumer.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (NJ)

I have a old navy visa card with XXXX XXXX. Last XXXX  Baclays took over and issued master card. I charged my card with XXXX XXXX for water filter. First charge {$6500.00} and another charge {$2400.00} total {$8900.00} from XXXX XXXX XXXX ( XXXX XXXX ) XXXX or XXXX XXXX  XXXX sent email and phone verified with credit card company that I returned everything to XXXX XXXX  XXXX and I do not owe anything to XXXXXXXX XXXX XXXXXXXX. XXXX XXXX issued credit to my account before transfer. Barclays charged my card {$8900.00}, plus interest and late fees. They refuse to give credit to my account. They closed my card and informed credit report agency. My score is very low regarding the complaint. My other credit card company lowered my balance because of that. I receive statements from barclays every month with late fees for non payment ( {$8900.00} ).
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TX)

On XX/XX/2023, I purchased a {$200.00} XXXX gift card. The service provider is Vanilla. The company 's website states the card can be used online or in stores. I attempted to use the card online and the charge was declined. I went to Vanilla 's website and attempted to double check my balance; assuming maybe they held the funds but the website stated there was a system error. I contacted the customer service number on the back of the card. I waited on hold yesterday for 2.5 hours with hold music and never got to speak with a representative. I attempted to use the card again today and it was declined again. I tried the number on the back of the card again and have been on hold for over an hour. After researching the company, there are multiple complaints of fraud with this company stating the cards can't be used after purchase, funds disappear from the card after customers attempt to use it, and customers are never able to get in touch with a customer service representative to assist them after the card is declined. I, like many other consumers, want our money back from this fraudulent company.
Consumer complaint received 2024-10-10
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. (PA)

When I reviewed my credit report this morning, I was stunned to find accounts that dont belong to me. Ive been diligent in checking my report regularly, and suddenly these discrepancies appeared. I even refreshed the page, hoping it was a technical issue, but the accounts stayed there, and I felt a wave of disappointment. I am pleading for my documents to be properly examined, so I never have to worry about these problems again.
Consumer complaint received 2018-09-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (LA)

This is a situation that was never resolve in my first complaint I had filed in XXXX XXXX. I did not realize that Green tree had filed theirs ' answer to my complaint at that time, until I received a new pass word to my old account number. The thing is Green tree did not stated the truth in their answer in XXXX. When they stated that I did not notify them to cancel a {$6000.00} policy that they had purchase from XXXX until XX/XX/XXXX that was not true. I had gave them a notice on XX/XX/XXXX it is when I gave them notice to pay XXXX who was going to be my new insurance provider for my home and they had received the information on XXXX XXXX from my insurance agent. The reason why I'm stating this because they had 15 days to cancel XXXX policy or not renew that policy, but they did on XX/XX/XXXX as they claim anyway. I was sent that {$6000.00} by XXXX instead of Green tree ending that policy, under regulation CFR 1024.37 ( g ) ( 1 ) Green tree should have cancel that policy and place those funds back into my escrow account. Now they should return all the over collected escrow funds they had already collected which is about {$4300.00} or come to some type of resolution to this problem. They had place my name into the credit report agency for not paying my mortgage which is not true, because I've been paying {$1400.00} each month since XXXX XXXX which is more then what I should pay that is {$1400.00}. I had submitted some new document into records with CFPB on XXXX XXXX under my old account number XXXX, for CFPB to look over in this matter. Ditech had been trying to get me to make a payment on what they was claiming, but under CFR 1024.17 ( f ) ( ii ) if I would had paid on their claim, I will be agreeing to their claim, that I had not made my mortgage payments and it would have given them the rights to keep those over collected escrow funds under that regulation. There must be a resolution to this situation at hand and not for it to stay as is with out a resolution.
Consumer complaint received 2023-04-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (GA)

On XX/XX/XXXX I received a call about a debt from Harris & Harris , LTD . I called them back and as them to provide details and all I received was silence. I don't them I don't owe a debt and they stated, " Everyone tells us that ''. I received the details of the fraudulent debt attempts on Friday, XX/XX/XXXX. The letter states I owe a debt from XX/XX/XXXX from the XXXX XXXX XXXX of {$390.00}. I looked online and clearly don't owe the debt. These debt collectors clearly are just trying to take advantage off parents with children and hope people pay since it's their child and NOT verify it's a VALID debt. They need to be find {$1000.00} or the maximum under the law.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-04-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

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. 

Tracking numbers are as followed : Experian:XXXX XXXX XXXX Account names : XXXX XXXX : XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : 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 an 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.