davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-04
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: Experian Information Solutions Inc. (FL)

XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 
I recently submitted a request for investigation of an Acct Number : XXXX XXXX   Opened XX/XX/XXXX XXXX XXXX XXXX {$500.00} Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 
If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX
Consumer complaint received 2018-12-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Equifax response was that I may be a victim of identity theft but continues to keep unverified items on my personal credit report. Per my previous dispute the unverified items listed below STILL remain on my credit report in violation of Federal Law. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigation, you stated in writing that you verified that these items are being reported correctly? How is this possible? Who verified these accounts? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I also sent you, Equifax, copies of my requests to the collection agencies, asking them to validate my debts, with the receipts showing that I sent these letters certified signature. I would like to request from Equifax the description of the procedures used to determine the accuracy and completeness of the disputed information. Also, Equifax has NOT provided me a copies of ANY original documentation validating these " verified '' accounts required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I demand the following accounts and inquires be verified or deleted immediately. XXXX  XXXX   Account # XXXX XXXX  XXXX  Account # XXXX XXXX  XXXX XXXX  Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX   XXXX Inquiry XX/XX/2017 XXXX XXXX XXXX Inquiry XX/XX/2017.
Consumer complaint received 2018-04-04
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: BB&T CORPORATION (AR)

I have an auto loan on my credit report that is not mine. I have contacted the company they feel the signature is similar to mine and dont want to remove it from my credit report. They have failed to see the signature on the contract is the same in all 4 boxes and is misspelled the same way in all 4 boxes. The document being used to assume its mine doesnt have my name misspelled on it. Hence I dont leave letters out of my name when signing my signature. I also was not living at the address they say I was living at the time and will attach documents to support my different address. I have sent requests to the credit reporting agencies along with my identity theft report and still they are refusing to remove it. Which at this Point is showing gross negligence on the company and credit reporting agencies. In turn leaving me options to monetary damages if I was to take action for the damages I have incurred as a result of inaccuracies.
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

On Tuesday, XX/XX/XXXX, I received a phone call from XXXX XXXX 's fraud department, my credit card company. Today, Wednesday, XX/XX/XXXX, I contacted the XXXX XXXX fraud department. They indicated that my credit card account was closed by the credit bureaus due to " a fraud application '' .I asked to speak to the manager to gather additional details and they were not willing to provide additional details except for the phone numbers for XXXX , Experian , and XXXX They also stated that there's nothing else that they could do. I have had my credit card with XXXX XXXX for over a year and have been using my card and paying on it regularly, but the credit bureaus closed down my card without my consent.I contacted Experian first and was unable to get in contact with a person because there were no prompts available to speak to a person. I then contacted XXXX, and had he same issues with them. I was unable to get in touch with a person. Next, I contacted XXXX, and was able to speak to a person, but they were unaware of the account being closed, but in their system, it's still showing to be active. The representative encouraged me to contact the other bureaus, but I already did that and had the most difficult time getting in contact with them and still never got to speak with anyone.
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On Tuesday, XX/XX/XXXX, I received a phone call from XXXX XXXX 's fraud department, my credit card company. Today, Wednesday, XX/XX/XXXX, I contacted the XXXX XXXX fraud department. They indicated that my credit card account was closed by the credit bureaus due to " a fraud application '' .I asked to speak to the manager to gather additional details and they were not willing to provide additional details except for the phone numbers for XXXX  XXXX XXXX XXXX and TransUnion They also stated that there's nothing else that they could do. I have had my credit card with XXXX XXXX for over a year and have been using my card and paying on it regularly, but the credit bureaus closed down my card without my consent.I contacted XXXX first and was unable to get in contact with a person because there were no prompts available to speak to a person. I then contacted XXXX and had he same issues with them. I was unable to get in touch with a person. Next, I contacted TransUnion, and was able to speak to a person, but they were unaware of the account being closed, but in their system, it's still showing to be active. The representative encouraged me to contact the other bureaus, but I already did that and had the most difficult time getting in contact with them and still never got to speak with anyone.
Consumer complaint received 2018-12-01
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. (NV)

I contacted Experian member services multiple times over the phone since XXXX to let them know that my credit score was being reported incorrectly. This situation is unique because the credit report is correct, however the online tool they are using to report the score is pulling information that reflects a 60 day delinquency that is not on the report ( see attached screenshot ). After contacting them many times, they determined it was a membership services issue, not a credit report dispute ( there is nothing negative to dispute on the report ). It required multiple calls and speaking with different supervisors before someone finally submitted a ticket to their customer care department to begin working on a solution. I received confirmation of the ticket Monday, XX/XX/2018 ( see attached ) after over 2 months of phone correspondence with no results. The ticket confirmation requested screenshots for further investigation. I provided the screenshot to them in an email on Saturday, XX/XX/2018 ( see attached ). I did not hear from them for a couple weeks, so I followed up by replying to the ticket Monday, XX/XX/XXXX and received a reply that only said they are still working on it. XXXX attached ). Experian is still reporting my credit score inaccurately and they have not resolved the issue that is impacting my score negatively after 3 months.
Consumer complaint received 2022-06-13
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX 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 2018-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

To whom it may concern My name is XXXX XXXX i got my credit report about a month or to back and saw somethings that wasnt correct for starters my name is not XXXX XXXX XXXX it is XXXX XXXX also had inquireys that i never made i called the companys and the credit bureaus and no one can seem to help me so i was googling legal Options and came accross you and your my Last resort
Consumer complaint received 2018-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (SC)

They continue to report the information on my credit report incorrectly - I have reached out to them and all three credit bureaus on at 3 occasions via certified letter return receipt and they refuse or choose to not even respond. I believe this is due to religious discrimination so I am now reaching out to you to have them correct my three credit reports and report the account as current as I am disputing the reporting as being inaccurate according to my records.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I have thoroughly reviewed my credit report, and I would like to inform you of the inaccuracies it contains. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, that you investigate these accounts : XXXX XXXX XXXX Attached is my report that shows information not correct and not accurate. Therefore, it must be deleted immediately
Consumer complaint received 2018-12-01
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)

Transunion is repeatedly falsely verifying inaccurate late payment information regarding XXXX XXXX XXXX XXXX on my credit file. 

I have been complaining to Transunion and the CFPB about this matter for almost a year, but nothing has been done. 

Upon information and belief, no one from Transunion has taken accountability for my credit disputes, therefore no one from Transunion can testify in court against me. 

Is it going to take millions of Americans to start submitting certified/notarized/sworn Affidavits of dispute, that would be filed with massive XXXX XXXX XXXX complaints, to get Transunion to adhere to the law? Clearly, Transunion does not complete reasonable dispute investigations for consumers. From my personal experience, Transunion conducts investigations based on hearsay, which should cost them billions in Fair Credit Reporting Act violation fines and punitive damages. 

I have been advised to provide Transunion and the CFPB with this Affidavit included in this complaint and wait for a response from Transunion. This CFPB complaint, all responses, both prior and present, documents, this Affidavit and possibly the Affidavits of others will be submitted to a consumer attorney in the event I become the lead Plaintiff in a Class Action suit against Transunion to claim damages for myself as well as millions of Americans who have been affected by Transunions FCRA violations. 

I was informed by XXXX XXXX XXXX XXXX that no one from Transunion has contacted them regarding these inaccurate past late pay disputes. 

PLEASE SEE THE ATTACHED AFFIDAVIT OF DISPUTE REGARDING MY CREDIT FILE.
Consumer complaint received 2018-12-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (MI)

I have contacted Nelnet on more than one occasion about the amount they are reporting on my credit report and trying to collect from me. The amount of over {$12000.00} is incorrect. They received to loans from XXXX XXXX XXXX loan services in XX/XX/2018. At that point I have already made payments of XXXX ( {$1600.00} to collection fees, {$270.00} to interest and {$9900.00} to principal ). Every time I call, they ( Nelnet ) states there's nothing they can do to call XXXX XXXX. I call XXXX XXXX they tell me to call NelNet. However, I did receive a detailed payment history from XXXX XXXX ( the original collection agency ). When I spoke with someone at Nelnet ( multiple times ) and told them that I had it and could send it over they ( Nelnet ) still stated to call XXXX XXXX, who told me call Nelnet again. Not only is Nelnet trying to collect an inaccurate amount but also, they are charging interest rates to an extremely higher than accurate amount This is stressful and damaging to my credit report and worthiness. I am unable to get a home loan for my family we desperately need or even a bigger vehicle since my family has double with the birth of my XXXX. I am aware the one or both companies or in violation of " The Fair Credit Reporting Act " and " The Fair Debt Collection Practices Act ". I am feeling trapped and needs help.
Consumer complaint received 2018-04-04
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Deutsche Bank (GA)

I have tried on several occasions to reach Deutsche Bank regarding who to contact in reference to a US Dept of Justice mandate directing Deutsche Bank to make available to requesting loan holders the contact information for relief related to a lawsuit by the Dept. of Justice against Deutsche Bank. I called Deutsche Bank directly, and their law department told me to contact their media department. I registered a complaint with CFPB stating that such contact information has not been made available as ordered by the Court. Deutsche Bank refused to give CFPB the contact information for the assigned team, instead I was told by CFPB that Deutsche Bank would have the team assigned to comply with the court order reach out to me. No one from Deutsche Bank 's team has contacted me. This is time sensitive. And Deutsche Bank is non-compliant in the directive by the US Dept. of Justice in providing a contact person for me to communicate with, and to file my claim. This complaint is because Deutsche Bank did not follow through on their commitment to CFPB.
Consumer complaint received 2018-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (GA)

I have a Paypal Smart Connect account and also had a PayPal credit card which I was told were two different things. My credit card account was closed over a year ago because I never used it. However, I do have a balance on my Smart Connect account which I pay on time every month. Recently I noticed that the bank was consistently taking out a fee for {$47.00} on the credit card even though the card had been closed. I was told that I signed up for this security fee in 2013 when the card was obtained ; however, I have no recollection or knowledge of agreeing to pay {$47.00} a month. When I called about it I was told that I would be issued a check within 30 days for XXXX. That check was never issued to me. Instead my Paypal Smart Connect credit limit was dropped from XXXX to XXXX. A third party company named XXXX XXXX ( Synchrony Bank ) apparently took the money that they owed me and put it on my Smart Connect account, although my account has never been behind. Then I conveniently received a letter stating that my credit limit was dropped again conveniently by XXXX. They gave the reason as being I have a high debt to ratio even though I have not been late with any payments. Also, they do not know what has occurred in my life in the past year, and it is extremely insensitive that banks can bully and treat good customers in this manner. I feel as though the way the bank did this was underhanded and unethical. They took money from me every month to pay fees on a card that no longer existed. They never paid me back the money, but lowered my credit limit and took the money, claiming to have put it on my Smart Connect account which I did not authorize. In addition, my credit report does not show that XXXX came off of my debt. It shows that my credit limit is XXXX. Also, there is no record on my Paypal account that this payment was made. Even though this payment was made, the bank still required me to make another payment on my account of {$70.00} a few days after they received XXXX.
Consumer complaint received 2018-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (TX)

Hello this Hospital bill was paid back in XXXX. This debt was sent to me with threats we will ruin your credit calls etc. I thought it was a complete scam. All my Hospital bills from my XXXX Hospital visit have been paid. This is a complete scam. I have NO collections aside from this incorrect item for {$1500.00}. They have told me they will delete it for {$500.00}. Why should I pay a bill I have never seen from XXXX in XXXX? There is something very odd and unethical here. I have requested the original bill that outlines this amount and to date not been given the info. Phoenix Finincial is the name of the company. Please look into this as I am a Tax paying American and your company is supposed to investigate these situations. I appreciate your efforts this is the only collection item on my impeccable credit.
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

On Tuesday, XX/XX/XXXX, I received a phone call from XXXX XXXX 's fraud department, my credit card company. Today, Wednesday, XX/XX/XXXX, I contacted the XXXX XXXX fraud department. They indicated that my credit card account was closed by the credit bureaus due to " a fraud application '' .I asked to speak to the manager to gather additional details and they were not willing to provide additional details except for the phone numbers for Equifax , XXXX , and XXXX They also stated that there's nothing else that they could do. I have had my credit card with XXXX XXXX for over a year and have been using my card and paying on it regularly, but the credit bureaus closed down my card without my consent.I contacted XXXX first and was unable to get in contact with a person because there were no prompts available to speak to a person. I then contacted Equifax, and had he same issues with them. I was unable to get in touch with a person. Next, I contacted XXXX, and was able to speak to a person, but they were unaware of the account being closed, but in their system, it's still showing to be active. The representative encouraged me to contact the other bureaus, but I already did that and had the most difficult time getting in contact with them and still never got to speak with anyone.
Consumer complaint received 2018-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

On XX/XX/2018 made two purchases with XXXX XXXX XXXX at fair grounds in XXXX   County amounts of {$320.00} & {$2700.00}. I returned merchandise two days later in person with witness on XX/XX/2018 to the merchant. then came home and contacted Bank of America Visa to dispute charges, As I felt this was High Pressure sales and Bait and switch tactics by the merchant, to a senior citizen. The bank would not continue the dispute that I submitted twice. And I now have no merchandise ( nor don't want any ) and a bill for {$3000.00} to pay credit card. This is a known company who practices High pressure sales and bait and switch tactics. I feel let down by Bank of America. Case # XXXX & # XXXX
Consumer complaint received 2018-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX I submitted disputes to Transunion with my identifiers for items on my credit report. I have not received responses. Around XX/XX/XXXX a submitted a complaint through this system for the same issue, XX/XX/XXXX Transunion claimed they would resend results from XX/XX/XXXX to me. I have yet to receive the response. A year later they are beyond violating the FCRA, this is malicious ...