davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-21
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. (FL)

My name is XXXX XXXX XXXX There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-02-21
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX
Consumer complaint received 2022-02-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TD BANK US HOLDING COMPANY (CA)

On XX/XX/20 I went to XXXX XXXX to perform a consumer credit transaction to purchase an asset for a vehicle and was denied the right to extend my credit to cover the finance charge by paying to the order of TD AUTO FINANCE. Not only did they deny me of my rights, but they also required that put {$17000.00} down as a downpayment in order to contract for the goods. I know this is a violation of my rights pursuant to the 15 USC 1611 and 15 USC 1640 of Truth in Lending Act.
Consumer complaint received 2022-02-21
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. (PA)

I was reviewing my credit score today and noticed some things on my report that were quite disturbing. I noticed that someone has fraudulently opened up multiple credit cards in my name. It has happened over a two year span beginning approximately 4 or 5 years ago.
Consumer complaint received 2022-02-21
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. (NE)

Hello, my name is XXXX XXXX and I have new and updated information on Transunion. 
I recently submitted a complaint through the CFPB regarding my right to receive correspondences electronically through the CFPB. Trasnunion responded with allowing up to 60 days to review. I am aware that within exercising my rights to dispute any inaccurate information on my consumer report I am entitled to 30 day dispute process from Transunion and that 30 days can only exceed 15 days out if I provide Transunion an updated information regarding the dispute. 

I am also aware that if I exercise my to right to receive the details of the investigation that those details must provided within 15 days of the date requested.
Consumer complaint received 2022-02-21
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. (CO)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-02-21
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. (NC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATEOR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDITREPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (CA)

On XXXX XXXX, 2021, I opened an account with XXXX I got a derogatory remark on my XXXX credit repot stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my report.
Consumer complaint received 2022-02-17
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. (CA)

Experian is reporting multiple addresses on me that are incorrect, multiple variations of my name that are incorrect, and multiple inquiries that should not be there. I am a consumer ( definition-natural living person ) .Pursuant to 15 usc 1692 ( a ) ( 3 ) I am the consumer and I never gave ANY REPORTING AGENCY DIRECT WRITTEN CONSENT TO RPORT ANYTHING ON MY CREDIT REPORT. NO CONSENT IS IDENTITY THEFT pursuant to 15 usc 1692 C ( c ) ( 2 ). I am invoking my specified remedy as a consumer and the original creditor.
Consumer complaint received 2022-02-21
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. (NY)

I am writing again in regards with the account listed below to inform you that I am the one disputing this debt. I have a loan with XXXX XXXX XXXX XXXX I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. This is a good standing account. Please verify that all information are 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Ive disputed it with TRANSUNION & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617. Please update to PAID AS AGREED/NEVER LATE. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-21
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. (MI)

I am name is XXXX XXXX and this This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized.
Consumer complaint received 2022-02-21
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-02-21
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. (TX)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX Account  XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX # 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 2022-02-21
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. (CA)

I have a loan with the accounts below. The current status should not be showing late payments because I paid it on time. EXPERIAN Credit Reporting Agency lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

on XX/XX/XXXX I purchased an automatic litter box for {$89.00}, and paid through Paypal. I received a confirmation of purchase stating the item was coming from XXXX. Would not have purchased if I had known that. I never received the item and disputed the charge with XXXX credit card. They removed the item from my account. Paypal sent XXXX a notice stating I received the item and the {$89.00} Charge was put back on my account on XX/XX/XXXX. I contacted them and told them i never received it and they would not do anything. They said I need to send them documentation which I did on XX/XX/XXXX after contacting the USPS directly regarding the shipment I supposedly received. Not only did this package not get delivered to me, but it weighed 5 oz. The litter box weighs about 50 lbs. So obviously whatever was shipped was not what I ordered and was not even delivered to me. I have contacted XXXX 2 times after the initial call. The first call they said they hadn't received the documentation yet and the 2nd call on XX/XX/XXXX, they hung up on me. I just need to be protected from scams when using my card and obviously XXXX does not do that. Complaint for XXXX was denied because they said it was past a date from the purchase so I am complaining about PayPal
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-02-21
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: CITIBANK, N.A. (MD)

On or around XX/XX/2022, someone attempted to places several charges in the amount of {$240.00}, on my Citibank credit card. At no time did Citibank provide any alerts or notification of the fraudulent charges. Citibank waited until XX/XX/2022, without any notification or alerts then cancel said card while on a holiday weekend. Citibank has made it impossible to find or locate an actual telephone number on their website and when you finally find a number you are forced into an auto dial voice controlled system that will disconnect if you hit the wrong button. Translation it took 30 plus minutes to get ahold of a customer services representative over in XXXX that could not speak XXXX XXXX XXXX or answer the core compliant why did Citibank not alert consumer to credit card fraudulent or cancellation of card?
Consumer complaint received 2022-02-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (MD)

Discover Bank, on XXXX closed my checking account. This was during a call I made to them inquiring why the deposit for a cashier 's cheque of XXXX that XXXX  XXXX XXXX gave to me was rejected. 
BoA then gave me XXXX cashier 's checks of XXXX and XXXX for the funds I had in my account with them. I deposited the first check of XXXX in my Discover bank on XXXX and rejected the second check of XXXX and stated it was altered on XXXX. 

Discover Bank told me they have decided to close my account for " business reasons '' and will be sending me a check for my balance after 60days even though they refuse to give me the reasons for this business decision. 

I believe their decision was unfair to me because I have not been inform what I did wrong, I was also not notified, alerted, warned or queried of any inappropriate action on my part nor given any opportunity to respond or otherwise before and after the decision was taken I am just migrating to the United States from XXXX and do not have any other source of income apart from my savings which Discover bank have hijacked. I need these funds to pay for my bills, rent and food.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (UT)

XXXX, XXXX and Equifax are all reporting XXXX XXXX that are not mine, and never happened. I had a XXXX XXXX XXXX which filed on XX/XX/XXXX. XXXX XXXX provided relief I was seeking. Yet, the 3 bureaus are reflecting additional XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. Neither of these are mine and I need them removed from these reporting agencies immediately.
Consumer complaint received 2022-02-20
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. (MD)

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt In VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-02-21
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. (MO)

This complaint to Experian result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX  XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX/XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX/XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX/XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX/XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX/XXXX  XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

( 1 ) XXXX credit report is showing that I applied to XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/2021 I did not. XXXX did not investigate this hard inquiry. XXXX did not show any evidence that I authroized such inquiry. 

( 2 ) XXXX XXXX XXXX, XXXX and TransUnion are not reporting my correct address XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX and TransUnion are infact harassing me on the new address ( 3 ) XXXX  XXXX XXXX is not reporting correct credit card balances
Consumer complaint received 2022-02-21
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. (MI)

As I reviewed my recent report, I have found a lot of erroneous information reporting on my Equifax Credit Report. I am not sure if you have conducted a thorough investigation for the following items. The information is not accurate and is different from other bureaus. Please see the items stated below XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$9100.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-02-21
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. (FL)

I did apply for a Morgage forbearance do to a delicate Health condition of my wife than they do explain to me over the phone that the amount own will be place at the end of the morgage adding another 6 month.

They never told me that I have to pay it at the end of the 6 month in full.

For my surprise they do call me at the mid fifth month telling me that if I do not pay immediately they will place my home in Foreclosure so I went ahead and make the full payment but they adding me a late payments for 6 consecutive month for more than 120 days destroying my credit report and I didnt give autorizacin to any company to share my personal information.

In accordance with the FCRA THIS ACCOUNT HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A State I have the right to privacy.

15 U.S.C 1681 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-21
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. (MI)

I am name is XXXX XXXX and this This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$240.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : XX/XX/2021 XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2000.00} XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$9900.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$290.00} XXXX XXXXXXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}