davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-02
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. (TN)

A lender checked my credit on XX/XX/2022. My husband called XXXX to inquire about refinancing our loan. The representative checked my credit report without my consent. My husband stated he did not know the representative was running my credit, because that wasn't discussed on the call. Not less than five minutes after, that's when I got the notifications about a hard pull. I immediately called XXXX and was giving the run around and was told multiple times, by different representatives that it wasn't a hard pull done by XXXX. Afterwards, I called the lender listed under the inquiry and the phone number has been disconnected.
Consumer complaint received 2024-01-30
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. (GA)

I, XXXX XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2022-10-02
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: EQUIFAX, INC. (WA)

XXXX ) The XXXX XXXX XXXX account has been on my report since XXXX ( 25 years ), it was closed in XXXX XXXX statute of limitations is only 7 years, so this account should have been DELETED in XXXX. 

XXXX ) XXXX XXXX  was last reported/closed XXXX, this also exceeds the statute of limitations of XXXX  years and should be DELETED from my credit report. 
XXXX has deleted this account after i requested it based on this fact. 

XXXX ) XXXX  was closed and last reported in XX/XX/XXXX per XXXX and XXXX, again this exceeds the 7 year statute of limitations and should be DELETED from my credit report. 

XXXX ) XXXX XXXX  XXXX XXXX XXXX was closed and last reported in XX/XX/XXXX, again the statute of limitations is only 7 years.This account is more than XXXX XXXX XXXX and should be DELETED from my credit report.
Consumer complaint received 2022-10-02
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem with direct deposit
Company: ADP Inc. (OH)

I am writing today to complain of the poor service I received XXXX XXXX  and the payroll manufactures on XX/XX/XXXX - XX/XX/2022. I was given a paycard to receive my money from working at the XXXX XXXX  on XXXX in XXXX Ohio. This card was blocked and my employees told me to call the manufacturers to get my card unblocked. I worked for them before, but theyre saying I worked for them under my mothers maiden name, which I dont recall doing. I called the manufacturers and was told to upload a picture of my state ID, my ssn, and upload my reference number in the description box. A week went by and in the meantime I kept calling and they kept telling me to wait. I called my employers and they said to email the payroll company with a request for mom to change my name on the card. I sent the email and then they told me to keep calling the manufacturers which I have been doing up to this point. While speaking to the supervisors, theyve been telling me to do different thing like upload the reference number in the description to uploading a picture of the reference number on a piece of paper. Today a supervisor explained for the first time after 3 weeks that now I need to upload my birth certificate or marriage or divorce papers which I dont have. All the while, after previously uploading the documents theyve told me that Ive uploaded the proper documents and that the matter will be resolved and it still isnt resolved. This is the reason why Im complaining. I have screenshots and time stamps of the emails and the last time I uploaded the documents eight days ago.
Consumer complaint received 2022-10-04
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: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2022 I filed a CFPB complaint with Truist Bank, XXXX, XXXX and XXXX about false and inaccurate information. Truist Bank is reporting false and misleading information because there is no loan given as the transaction was a retail installment sales contract but it is being reported as a loan. All of the companies listed above have been given over 30 days, 50 days to be EXACT, to make the correction and since they have not I am demanding that the tradeline Truist Bank be removed from all of the consumer reporting agencies that they are reporting to. 

I have attached the article that the CFPB has published on what a retail installment sales contract and I quote " A retail installment sale, on the other hand, is a transaction between you and the dealer to purchase a vehicle where you agree to pay the dealer over time, paying both the value of the vehicle plus interest '' this statement is located on the CFPB articles that is attached. 

I have also upload the retail installment sale contract, which it clearly says at the header of the attachment, in which Truist Bank is claiming that it is a loan, which is proof that the information is false and inaccurate.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I, XXXX XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2022-10-04
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. (LA)

I am a victim of true identity fraud. There were XXXX XXXX credit cards opened in my name that I did not authorize and XXXX XXXX inquiries did back to back within same month which is something a real person wouldn't do. There are multiple incorrect accounts reporting on my credit report that I didn't give authorization for or written consent. I have sent out letters in XXXX, XXXX, and XXXX to all credit bureaus ( XXXX, Equifax, XXXX ) to fix this matter but each bureau failed to resolve this matter. XXXX has failed to remove addresses that are not mine which may be causing the fraud to continue to happen as well. I have also requested for each bureau to update my phone number on my fraud alert but they each failed to do so. I am very livid that I continue to be a fraud victim, have my rights violated, and my credit report ruin because of the credit bureaus giving access to my credit file because of system breaches the credit bureaus ( XXXX, Equifax, XXXX ) keep having and miss reporting information to my file.
Consumer complaint received 2022-10-04
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. (PA)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # 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 2022-10-02
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: CAPITAL ONE FINANCIAL CORPORATION (KS)

XX/XX/22 Ordered XXXX XXXXXXXX XXXX on XXXX. 
XXXX Order # XXXX. 
XX/XX/22 XXXX charged {$280.00} to my Capitol One account. 
XX/XX/22 Seller placed springs  ( 34 lbs of steel ) into a single layer cardboard box for shipping. 
XXXX XXXX # XXXX. 
XX/XX/22 XXXX XXXX placed an empty torn up box near my front door. 
XXXX was contacted, representative was in another country and very difficult to communicate with. 
XXXX  Claim # XXXX. 
XXXX was contacted. They said they will contact seller. 
XX/XX/22 left on a trip for 18 days, I had limited access to email and phone. 
Contact to Seller is only through XXXX, Seller said they would refund the purchase when I return the item, I never received the item. 
XXXX said they lost the item and closed the claim, they said the shipper would need to file a claim, they provided no written information, only verbal. 
XX/XX/22 XXXX was contacted again they opened a case. 
XXXX XXXX # XXXX. 
XX/XX/22 Capitol One credited the {$270.00} charge. 
XX/XX/22 returned home after being away for 18 days. 
XX/XX/22 XXXX closed the case because I did not return the item, I never received the item. 
XX/XX/22 Capitol One Reinstated the {$280.00} charge. 
XX/XX/22 Copies of all the information I have was submitted to Capitol One. 
Capitol One XXXX # XXXX. 
XX/XX/22 Capitol One credited the {$280.00} charge. 
XX/XX/22 Capitol One reinstated the {$280.00} charge, they said XXXX told them that I received the items in good condition. 
Please note the screenshot from XXXX stating that I received an empty box and the seller should reply. 
XX/XX/22 Capitol One was contacted, they said I need to resubmit the letter that I already sent on XX/XX/22 and I did. 
XX/XX/22 Capitol One Denied the claim. 
XX/XX/22 Contacted Overseas Capitol One Customer support and was told I had not supplied the necessary documents. They could not stay what was missing. I asked to speak to someone else and a Supervisor said that since there was no written proof that XXXX lost the parts, Capitol One could not do anything. 
XX/XX/22 Contacted XXXX and was told that since I filed a claim with Capitol One, XXXX could not do anything. 
XX/XX/22 Contacted Overseas Capitol One Customer Support and asked to speak with American Customer Support. American said to re-submit everything and American support would take a look. 
XX/XX/22 Capitol One Denied claim again because it was more than 60 days past the transaction. 
I have given up on getting any help from XXXX. 
I have given up on getting any help from XXXX. 
I have given up on getting any help from Capitol One. 
I do not understand why I am being charged for something I did not receive. 
Thank You.
Consumer complaint received 2022-10-04
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. (LA)

I am a victim of true identity fraud. There were XXXX XXXX credit cards opened in my name that I did not authorize and XXXX XXXX inquiries did back to back within same month which is something a real person wouldn't do. There are multiple incorrect accounts reporting on my credit report that I didn't give authorization for or written consent. I have sent out letters in XXXX, XXXX, and XXXX to all credit bureaus ( XXXX, XXXX, TransUnion ) to fix this matter but each bureau failed to resolve this matter. XXXX has failed to remove addresses that are not mine which may be causing the fraud to continue to happen as well. I have also requested for each bureau to update my phone number on my fraud alert but they each failed to do so. I am very livid that I continue to be a fraud victim, have my rights violated, and my credit report ruin because of the credit bureaus giving access to my credit file because of system breaches the credit bureaus ( XXXX, XXXX, TransUnion ) keep having and miss reporting information to my file.
Consumer complaint received 2022-10-04
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. (NY)

On XXXX/XXXX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused me.
Consumer complaint received 2022-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IN)

I have tried contacting LVNV about a debt thats on my credit report who gives me the run around and tells me to contact another company called resurgent who then tells me to contact a business called XXXX and XXXX who will not give me any info on the debt they are claiming I owe. I keep getting a run around with no information on the debt. I have told all 3 companies that I want an original copy of the contract, with my signature, they are claiming I owe a debt to and LVNV says I need to call resurgent who tells me to call XXXX and XXXX. But if LVNV is reporting the debt to the credit bureaus then they need so provide the originally signed documents or have the collection removed from all 3 bureaus
Consumer complaint received 2024-01-30
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. (OH)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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
Consumer complaint received 2024-01-30
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. (CA)

I was a victim of the XXXX XXXX XXXX I want these items deleted from my credit reports, As you can see, the CFPB actually deleted these accounts because I was victim of this data breach so I expect you to do the same immediately, Here is the proof that I was in fact a victim of this XXXX XXXXXXXX XXXX as you may know you deleted these accounts from my credit reports because you saw that I was a victim of this data breach now Transunion and XXXX refuse to delete these items from my credit reports please delete them immediately as I was victim of this XXXX XXXX breach, Account Removed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express on XX/XX/22 responded to my CFPB complaint stating they discriminated against me and wont offer me credit due to their policy. The fraudulent representation of facts of informed use of credit, I was given false and misleading Information, willingly and knowingly which is a crime. A national bank cant extend its own credit only the consumers credit. As I in good faith extended my credit to acquire money on credit via American Express Gold card as my right as a consumer from American Express primarily for personal, family, or household purposes. Reasons stated for the discrimination were criteria used to evaluate creditworthiness, internal standards and a qualifying score that are prohibited by the General Rules of CFPB interpretation of Reg B 1002.4 ( a ), which is insufficient, prohibited and discrimination.
Consumer complaint received 2024-01-30
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. (IL)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

In 2021, I contacted CFPB because I assumed the credit cards I had opened were not being reported by the companies. I was wrong. 

They WERE reporting to XXXX, XXXX, and Experian, but EXPERIAN refuses to report the credit correctly. 

I have 8 open revolving credit cards. I have 2 cards with XXXX XXXX  XXXX, one with XXXX, two with XXXX XXXXXXXX, one with XXXXXXXX XXXX, one with XXXXXXXX XXXX. 

I have a line of credit with XXXX, as well as XXXX XXXX XXXX, which is over two years old, and almost paid off. 

None of these open lines of credit are being reported on Experian 's credit report. I have asked them over and over, and even spoken to a supervisor regarding this.

The credit score is XXXX points LESS than XXXX 's. This I can not understand. 

XXXX, the same. Why does XXXX report all of my credit lines correctly, and Experian and XXXX XXXX do not? I need help. 

I intend to fight to get this corrected because they are are deliberately hurting my ability to qualify to buy a home.
Consumer complaint received 2021-09-03
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. (MN)

Hey on XX/XX/21 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 60 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 60 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the XXXX  and XXXX  you have given me.