davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX | XXXX SSN : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply NOTICE, this letter is a follow-up to the original letter I sent to your company. It seems that you are being willfully noncompliant. Specifically about the following unauthorized, false and fraudulent credit inquiries that were made by the following companies : Inquiries in Dispute : XXXX. Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Made by your company XXXX XXXX XXXX XXXX  XXXX XXXX ) XX/XX/XXXX Made by your company XXXX on XXXX XXXX 

Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX on XXXX. 

Made by your company XXXX XXXX XXXX. 

Made by your company XXXX XXXX ( XXXX  ) XX/XX/XXXX Made by your company XXXX XXXX XXXX XXXX ) XX/XX/XXXX Made by your company XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX Made by your company XXXX ( XXXX  ) XX/XX/XXXX My first request was simple. And you failed. Miserably. You provided absolutely no documentation or proof that the inquiries in question were obtained pursuant to the Fair Credit Reporting Act. Once again, you gave an entirely inappropriate response by encouraging me to deal directly with the furnisher. 

I have maintained the previous record of my communication with your company. If your company Fails to remove these fraudulent inquiries within 30 days of receipt of this certified letter. I am strongly considering filing a small claims action against your company, seeking {$1000.00} per violation for knowingly and purposefully furnishing deceptive forms, knowingly enabling Identity Fraud and sharing my personal information without my written permission or my consent. 

Sincerely,
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX, XXXX XXXX, TX, undefined XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-06
Product: Credit reporting 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)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!
Consumer complaint received 2023-04-30
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. (AL)

I am writing to dispute the late payments that have been reported on my credit report. I recently obtained a copy of my credit report and noticed that there are several late payments that are affecting my credit score. Upon reviewing my records, I have found that these late payments were due to circumstances beyond my control, and I would like to request that they be removed from my credit report. 

The late payments in question were caused by a temporary financial hardship that I experienced last year. During this time, I was a full-time student, and I relied on financial aid to cover my living expenses. Unfortunately, due to a delay in the processing of my financial aid, I was unable to make my payments on time. Although I have since graduated and have been making timely payments on my accounts, these late payments are still showing up on my credit report and negatively impacting my credit score. 

I have attached documentation to support my claim of being a full-time student in XX/XX/2019, which was the time period in question. This documentation should serve as proof that my inability to make payments on time was due to my student status and the delay in my financial aid processing, rather than my negligence or inability to pay.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any ITEMS which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these ITEMS. XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX, XXXX XXXX XXXX, FL XXXX, XXXX XXXX Pl XXXX XXXX, XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance XXXX {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$2700.00}, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1800.00}, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX. ) XXXX Balance : {$950.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$460.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$68.00}, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$440.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

On XX/XX/2023, my account was placed on Administrative Forbearance without my consent. I called Mohela twice asking to remove the forbearance and was assured by the agents that my request had been inputted into the system and is pending processing. When I asked about the timeframe for processing my request, I was transferred twice to XXXX different agents and did not receive an answer. 

I called on XX/XX/2023 to follow up on my request and was told that no request had been received and they have no record of it. I was again transferred to XXXX agents when I asked about the capitalization on my account. I received a letter saying my loans were being capitalized due to the forbearance. I asked for the capitalization to be removed as the forbearance was done without my consent or request for it and I wanted written receipt of my request this time to remove the forbearance. After being transferred, the agent did not answer any of my questions and then placed my call back into the queue without telling me. I have been on hold now for over an hour and a half. 

It is clear that MOHELA utilizes tactics to get their borrowers off the call or bounce them around agents and put them on hold until they give up. I still have not received any resolution to my requests.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have filed a dispute against XXXX XXXX with all XXXX and XXXX on XX/XX/XXXX The collection was assigned on XX/XX/XXXX in the amount {$220.00}. Via a disupute investagtion for incorrect information being reported the collection was removed from the both XXXX and XXXX. I attempted to submit a dispute on Transunion online but was unsucessful. I contacted Transunion via phone on XX/XX/XXXX and recieved my dispute letter on XX/XX/XXXX. Transunion failed to remove the incorrect account information from my credit report dispite providing proff of the account beinf delted from both XXXX and XXXX. This is unfair reporting and has caused a negative imapct on my ability to purchase a home due to high interest rates, low credit score and derrogetory account history. Please delete account.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX account ending XXXX has violated several of my rights under The Fair Credit Reporting Act 15 U.S.C. 1681 Section 604 A, Subsection 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B ; A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.

15 U.S.C. 1681A ; Paragraph 2, Section A, Subsection ( i ) ; Consumer Report does not include report containing information solely as transactions or experiences between the consumer and the person making the report. 
XXXX XXXX violated these rights by reporting the account to be late and closing the account without my knowledge. XXXX XXXX is reporting negatively on account as Collections when In fact I have responded to their settlement offer and offered them one of their own settlement terms. See Attached email Copy.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

The paid in full account with XXXX XXXX is still reporting incorrectly on my credit reports. I have disputed this information over and over and over again, to no avail. Each time the information gets more messed up than the time before. And I continually get the same response from the credit reporting agencies " the information is reporting correctly ''. But, it is NOT reporting correctly, not at all. This is causing me to be turned down for a mortgage and keeping me stuck way over paying for rent when I could be putting money towards equity in a home. All of the late payments are incorrect, and among other things, are reporting the last 90 day lates months past when I sold the home, how is this even possible? Each Credit Reporting agency is showing different information. I know exactly how the information should be reporting, but after literally dozens of disputes, letter mailing, faxing and phone calls. I just do not feel that it should be up to me to show the credit reporting agencies how they should be reporting. I do know that its against the law to continue to report incorrect information for over a year. At this point the entire tradeline needs to be DELETED. If not I will have no other choice but to hire an attorney and take the credit reporting agencies to court. I don't want to do that, but I honestly do not know what else to do at this point. I am at my wits end. The data furnisher points the finger at the CRA 's and the CRA 's point the finger at the data furnishers. This is insanity. I have filled complaint after complaint and dispute after dispute. And each time I get nowhere, but my reports just get more messed up. This just isn't how a XXXX veteran who served this country honorably, or anyone else for that matter, should be treated. And their credit ruined. Its just not right.
Consumer complaint received 2020-08-15
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 (NY)

On XX/XX/2020 I purchased Round Trip Airline Tickets from an online travel agency called XXXX XXXX. I paid {$3200.00} for those tickets using my Bank Of America Visa Travel Rewards Credit Card. I purchased 4x round trip XXXX XXXX tickets for XX/XX/2020. 

Due to travel restrictions imposed by both originating ( USA ) and destination ( XXXX ) governments related to the COVID-19 pandemic, XXXX cancelled my flight. 

I have spent endless hours on phone calls, of which i have recordings, with the online agency. They tell me that my tickets are non-refundable ( which is not true - they're lying in the hopes that they can hold on to my money ). 

I have contacted the airline, they assure me that my tickets are refundable. 

I have logged a complaint with the DOT, which was forwarded to the Arline, which re-iterated that my tickets are refundable, however i must go through the Agency to issue the refund - however the agency doesn't want to issue a refund. 

I have logged a complaint with the XXXX  against the Online Agency - this was forwarded to the Agency to which the agency responded that the tickets are non-refundable and that I must first resolve all my disputes before they ( XXXX XXXX ) can further discuss any potential resolution with me ( at this point, i don't believe them ). 

I have also submitted a dispute with my credit card company Bank Of America - whom, at first, issued a full refund to my Credit Card, but later re-charged my card for the full amount, siding with the agency claiming that the tickets were non-refundable. 

Ultimately, Bank Of America allowed a merchant to defraud me of my money when i was entitled to a full refund. 

As is always the case against corporate giants with deep legal pockets, the consumer is left holding the bill.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of fraud and place credit alerts on all three bureaus I have had a judgment placed for a car I did not buy but still took the punishment and did a bankruptcy to clear it. Here we are 5 years later and instead of improving my credit went to worse but I dont understand how they get through my alerts if XXXX cant even answer the questions. I am a victim of data breach thru experian and had a supposed help for fraud and still nothing I have not had any inquiries for credit since my bankruptcy except for a car loan thru XXXX financial and that is it. I try to contact the credit bureaus and form a complaint but the negative still remains and inquiries still remain how can I have paid off 4 vehicles and my credit is less than before my bankruptcy?
Consumer complaint received 2023-09-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (WA)

On XXXX I contacted the company in regards to not getting into my account. The original reason why I couldnt get on was due to me having an unrecognized device as my cell phone had water damage on the screen. Once that was resolved, they had. the company in regards to not getting into my account. The original reason why I couldnt get in was due to me having an unrecognized device as my cell phone had water damage on the screen. Once that was resolved, they had a technical error that locked me out of my account. They couldnt explain why it did it or how, and they havent given me answers on when it would be resolved, when Ill have access to the funds, etc. I asked to close my account and transfer it into a new one or transfer to my bank they said no. They havent given me no answers, and no timeline. It has been seven days. I told them that this is causing me extreme stress due to the fact I have to feed my kids and thats all the money I have. My storage unit is locked out because I cant pay the bill due to me not having access to my funds. They have came up with no solution to help me and have avoided any contact of telling me anything other than Im sorry.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Upgrade, Inc. (NC)

I have been trying to update the address on my account with upgrade for over a year. The asinine list of required actions I must take in order to change my address is absolutely ridiculous. This cumbersome process to simply update my address on my account is unnecessary. I have provided them with a copy of a utility bill copies of my photo identification a picture of myself holding my two credit cards that they have with me. Pictures of me holding my photo identification to prove who I am. I've spoken with multiple agents who have confirmed my identity using my personal information including my social email address, date of birth, full name, and yet they still want me to hand right? A note that includes all of my credit card information on it and a photograph of me holding said note. I am done jumping through hoops. There is no logical reason to need me to handwrite a note that includes my account information for which I've already provided a photograph of me holding the card ( front and back ) and I've provided the card numbers verbally. I've also provided my social security number in writing, via email and they refuse to update my address. Also had me send a photo of myself holding my own state ID. I didn't even need to go to this extent when I change my name after getting married. I feel that I'm being discriminated against and treated unfairly. As a person that works for one of the largest banks, within a risk, compliance and regulatory review role, there is no reason to go to this extent of leg work and jokester requirements to change an address. And of course, they get to force you to abide by their ridiculous requirements because otherwise you can't use your account. Quit being a bully. Don't you realize that by refusing to update my address you are then sending all my mail ( including updated cards ) to an old address and exposing my account to risk by releasing my confidential information to the new person at that address.
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

My credit report is showing late payments to XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, and XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.