davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been diligently working on my credit score, so I enrolled with a credit monitoring service to keep track of my reports and scores. Some time last month, I checked my report to find that all inquiries had been removed from my Transunion credit report. This also, of course, resulted in my credit score being raised. I had absolutely NO knowledge of any system glitch or anything of that nature. Fast forward to recently, I checked my file again, and there were the XXXX inquiries re-added, which of course, dropped my score! I am furious because as far as I know, it is not lawful for the inquiries to have been re-added without ANY notification to me, written or otherwise. I should have been notified, ESPECIALLY since the result had a direct effect on my credit score! I reached out to Transunion, and the rep RUDELY stated that he would only remove an inquiry after XX/XX/2016. What good does that do me? ALL the inquiries were removed and ALL of them were placed back on the account, not just the ones from XXXX. Ridiculous response given the situation. Because I was not notified, I would respectfully ask that Transunion delete the inquiries, as they have for so many other individuals. Why would I be any different? If they can delete for others then they can delete for me as well, unless they are discriminating with who they help. I have contacted a personal attorney, as well as the attorney general. Transunion is in the wrong for not notifying me that the inquiries were going to be re-added to my file, and that is not my fault.
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Re : Trans Union continued reporting inaccurately XXXX XXXX Mortgage Installation Accounts XXXX and XXXX either closed or derogatory. 
Notwithstanding Trans Union 's reply to the CFPB case number XXXX of XXXX, 2016, Trans Union has failed to update the records to reflect correctly that XXXX account still open, current and paid as agreed. 
This is my final attempt to kindly request that they correct the information prior last resort of taking legal actions, as in addition ; I have attempts to call Trans Union to resolve said, but was consistently transferred to a special " supervisors team '' who are rude and disconnect the calls or told that the system is under maintenance ''. This clearly leads me to conclude that my file has been flagged in retaliation of the complaints submitted to the Consumer Financial Protection Bureau.
Consumer complaint received 2016-10-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

While reviewing my credit report, I came upon a GA state tax lien that was placed on my credit report. I immediately contacted the state tax office in search of answers to why this was on my credit. I was told by a state representative over the phone after further investigation she was unaware why this XXXX was placed on my credit being that my taxes was paid and no collection was necessary. I then ask if they was able to remove the XXXX and was told that they had no way of doing so and that I had to contact the bureaus that was reporting it. She offered to send a letter stating that I owed no one and to withdraw & remove the XXXX. I then made contact to all XXXX credit bureaus with the information that was given to me by the state. Experian & Equifax was very helpful & removed the XXXX immediately. TransUnion has yet to do so stating that this record is accuracte. It is hurting my score & hindering me to obtain things with my credit. I further more do not this XXXX to represent me in anyway because this is inaccurate information and I should not have it on my credit. Attached is a screenshot of the GA state tax website regarding liens on credit and also proof that I do not owe any debts to the state.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XX/XX/2011 I had to move my family out of an apartment at XXXX XXXX XXXX XXXX XXXX due my wife and newborn baby becoming very ill as a direct result of the apartment we were living in having black mold. The apartment manager agreed to allow us to move out due to the circumstances. Since that time the management company of the apartments, XXXX XXXX XXXX XXXX XXXX XXXX has placed a collection balance with a collection agency that in-turn has placed a derogatory collection entry on my credit report with all three credit reporting agencies. The apartments and management company furnished me with a letter on XXXX/XXXX/11 ( letter attached ) advising that the collection item would be deleted from my credit report, but to date it has not.
Consumer complaint received 2016-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

There is a collection from XXXX XXXX stating a creditor by XXXX sent me to collections. I do not know anything about this XXXX nor have i ever been to the state that is being listed. I believe my identity has been stolen and i want this collection removed and to not come back.
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Upon reviewing my recent credit report I did not authorize the listed inquiries below please DELETE them from all three credit reporting bureaus due to Inaccurate Reporting I did not authorize any inquiries to be pulled either in writing, verbally or initialed. 
Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2016-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IA)

I closed my account with XXXX. They have sent me bills in the mail that only show the total amount owed but not what the charges are for. My husband and I have attempted to call them multiple times as well as stop into the store to understand these charges. We were only hold for extremely long periods of time with no-one picking up the phone. In the last few days their collection agency XXXX XXXX XXXX XXXX contacted me and asked if there was anything they could do to help resolve this debt. I let them know that I wanted a bill noted as final that showed what the charges were for. They agreed to this and today all I received from them was another bill that just showed the balance due ( not what it was for ) plus a collection charge. To make matters worse I noticed that my credit score dropped significantly yesterday so I pulled my credit report. I have NEVER had a late charge on my credit report in the 20+ years I have been an adult. XXXX reported my account as deliquent. I contacted our local non profit credit counseling agency and they suggested I first try to work with XXXX to get a final copy of the bill and also to get it removed from my credit report since they have not provided me with adequate information to understand the charges. I spent over 30 minutes on the phone today with them and took detailed notes. They said that they would send me the bill as I requested ( " now '' ) but that once it went to their collection agency I would have to wait 7 years for the negative information to go away. I contested this verbally on the phone as I was never given the proper information to understand what the bill was for. I asked to speak to a supervisor and was put on hold. I waited a few minutes and they said they were connecting me to a supervisor now that would help me - no-one had picked up 7 minutes later when I finally gave up and hung up. I would like to understand what I need to do to get this negative information removed from my credit report. I have absolutely no problem paying a {$99.00} charge if it is valid but I have a significant problem with XXXX not providing me the information to know whether it is valid. I also have major issues with being on hold multiple times to get this information without them picking up the phone. I am hoping that you can help resolve this for me. Thank you in advance for your assistance.
Consumer complaint received 2016-10-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I previously submitted a dispute for identity theft several times, experian fails to provide method of validation per FCRA Section 611. Furthermore, they have blocked me from being able to dispute the items again/dispute items and viewing my credit report and or checking the status of my credit report. 

I am disputing the following items as a result of identity theft and have attached my police report : - XXXX - XXXX XXXX - XXXX XXXX - XXXX I have also attempted to update the # on my fraud alert and have had no success.
Consumer complaint received 2024-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (TN)

I am trying to transfer money using USBank 's online banking system. USBank limits the amount of money I can transfer to an external account. The limit is {$5000.00} per week. This limit is extremely low, even compared to limits from other banks. I think it is meant to purposely delay the amount of funds I can transfer from USBank so USBank can keep the funds for a longer time period.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

CAL CODE OF CIVIL PROCEDURE 337. Written obligation ; Four years, Cal Code Civ Proc 337 337. Written obligation ; Four years Within four years : ( a ) An action upon any contract, obligation or liability founded upon an instrument in writing, except as provided in Section 336a ; provided, that the time within which any action for a money judgment for the balance due upon an obligation for the payment of which a deed of trust or mortgage with power of sale upon real property or any interest therein was given as security, following the exercise of the power of sale in such deed of trust or mortgage, may be brought shall not extend beyond three months after the time of sale under such deed of trust or mortgage.

( b ) An action to recover ( 1 ) upon a book account whether consisting of one or more entries ; ( 2 ) upon an account stated based upon an account in writing, but the acknowledgment of the account stated need not be in writing ; ( 3 ) a balance due upon a mutual, open and current account, the items of which are in writing ; provided, however, that if an account stated is based upon an account of one item, the time shall begin to run from the date of the item, and if an account stated is based upon an account of more than one item, the time shall begin to run from the date of the last item.

( c ) An action based upon the rescission of a contract in writing. The time begins to run from the date upon which the facts that entitle the aggrieved party to rescind occurred. Where the ground for rescission is fraud or mistake, the time shall not begin to run until the discovery by the aggrieved party of the facts constituting the fraud or mistake. Where the ground for rescission is misrepresentation under Section 359 of the Insurance Code, the time shall not begin to run until the representation becomes false.

( d ) When the period in which an action must be commenced under this section has run, a person shall not bring suit or initiate an arbitration or other legal proceeding to collect the debt. The period in which an action may be commenced under this section shall only be extended pursuant to Section 360.

Californias Statute of Limitations on Debt The statute of limitations on debt in California is four years, as stated in the states Code of Civil Procedure 337, with the clock starting to tick as soon as you miss a payment. The limitations period begins to run as soon as the cause of action accrues ; that is, from the occurrence of the last element essential to the cause of action. ( Neel v. Magana, Olney, Levy, Cathcart & Gelfand ( 1971 ) 6 Cal.3d 176, 187. ) Reporting this misinformation is in direct violation of my consumer rights stated in : FCRA 15 USC section 602, 15 USC 6801, 15 USC 1681 section 604 a section 2, 15 USC 6802 ( b ) ( c ), 15 USC 1681C ( a ) ( 5 ), 15 U.S. Code 1681s- 2, 15 U.S. Code 1681 e, 12 CFR 1016.7
Consumer complaint received 2023-10-09
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)

CAL CODE OF CIVIL PROCEDURE 337. Written obligation ; Four years, Cal Code Civ Proc 337 337. Written obligation ; Four years Within four years : ( a ) An action upon any contract, obligation or liability founded upon an instrument in writing, except as provided in Section 336a ; provided, that the time within which any action for a money judgment for the balance due upon an obligation for the payment of which a deed of trust or mortgage with power of sale upon real property or any interest therein was given as security, following the exercise of the power of sale in such deed of trust or mortgage, may be brought shall not extend beyond three months after the time of sale under such deed of trust or mortgage.

( b ) An action to recover ( 1 ) upon a book account whether consisting of one or more entries ; ( 2 ) upon an account stated based upon an account in writing, but the acknowledgment of the account stated need not be in writing ; ( 3 ) a balance due upon a mutual, open and current account, the items of which are in writing ; provided, however, that if an account stated is based upon an account of one item, the time shall begin to run from the date of the item, and if an account stated is based upon an account of more than one item, the time shall begin to run from the date of the last item.

( c ) An action based upon the rescission of a contract in writing. The time begins to run from the date upon which the facts that entitle the aggrieved party to rescind occurred. Where the ground for rescission is fraud or mistake, the time shall not begin to run until the discovery by the aggrieved party of the facts constituting the fraud or mistake. Where the ground for rescission is misrepresentation under Section 359 of the Insurance Code, the time shall not begin to run until the representation becomes false.

( d ) When the period in which an action must be commenced under this section has run, a person shall not bring suit or initiate an arbitration or other legal proceeding to collect the debt. The period in which an action may be commenced under this section shall only be extended pursuant to Section 360.

Californias Statute of Limitations on Debt The statute of limitations on debt in California is four years, as stated in the states Code of Civil Procedure 337, with the clock starting to tick as soon as you miss a payment. The limitations period begins to run as soon as the cause of action accrues ; that is, from the occurrence of the last element essential to the cause of action. ( Neel v. Magana, Olney, Levy, Cathcart & Gelfand ( 1971 ) 6 Cal.3d 176, 187. ) Reporting this misinformation is in direct violation of my consumer rights stated in : FCRA 15 USC section 602, 15 USC 6801, 15 USC 1681 section 604 a section 2, 15 USC 6802 ( b ) ( c ), 15 USC 1681C ( a ) ( 5 ), 15 U.S. Code 1681s- 2, 15 U.S. Code 1681 e, 12 CFR 1016.7
Consumer complaint received 2016-02-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AL)

* All the information regarding this case such as the credit name, account info, creditor name and more are in the attached file. 
* It is all started after XXXX offered me {$3000.00} credit card to be used by me. 
* XXXX did not send 2 statements ; I called them and ask them to remove the late fees for those statements ; but they refused. 
* I did I asked them to close my account immediately ; I told them I need to pay all the balance for the purchase so I can close my target account ; then I paid the amount using my debt card ; then They told me at that time they are closing it, and I do not owe them any thing for any purchase. 
* I called them later on to see if they can remove the late fees ; but the person who answered me refused, looks like I was getting the same person before ; then I asked that person if my account is closed ; the person said no ; then I asked that person to close the account ; I did check with them later on to see if the account was closed ; but it was not ; * I did reach Experian, XXXX and XXXX credit agencies and dispute the ( almost {$54.00} late fees ( I am not sure exactly now, but it was $ XXXX ) ; and I asked them to close the XXXX account ; because the target are refusing to close the account for me. 
* Later on after the account was supposed to be closed on XXXX of XXXX ; target was charging me almost {$40.00} for late fees and interests each month of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX ; and report that I am late 30 days late to pay for XXXX XXXX, 60 days late to pay for XXXX XXXX, 90 days late to pay for XXXX XXXX ; and 120 days late to pay for XXXX XXXX ; and they are still going with their same process. 
* I dispute this issue almost 3 time with the credit reporting agencies. 
* The attach file has some for those statements for { XXXX, ..., XXXX }. 
Credit report agencies claim that the process of their dispute is to send electronic a-mail to target asking them if I own them any money, and if they said yes, then they can not remove the charges ; they recommend me to reach to the Bureau of Consumer Financial Protection. 
* Please let me know if you need any further information regarding this issue. 
* The following are my contacts : XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2016-02-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

I sent a letter to Credit Bureau certified XX/XX/XXXX because I am a victim of Identity theft. I was requesting a security freeze. I sent all the required documents -id, police report, ss card and utility bill and asked specifically for a freeze. I received response back from XXXX and Experian both that instead they placed an Extended Fraud alert and ignored my request for a security freeze
Consumer complaint received 2015-11-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I reviewed a copy of my credit report and the companies below ran an unauthorized credit inquiry on me on date provided. 
XXXX XXXXI never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact each company and investigate such occurrence.
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)

I am requesting that my credit report dispute be reviewed. This is the 4th attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.
Consumer complaint received 2015-04-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

To Whom It May Concern : I received an alert by the Experian XXXX XXXX XXXX about an increase of the credit limit of a XXXX Card associated with me from $ 16k to $ 20k. While I am the holder of a XXXX Credit Card, branded " XXXX XXXX '', this card has a different limit ( $ 7k ). Moreover, this limit was not changed recently. 
I therefore conclude that XXXX XXXX is reporting incorrect information against my credit file. I demanded correction of the incorrect data reported against me from XXXX in writing, postmarked XXXX/XXXX/15. My communication to XXXX is attached. 
Thanks much for your assistance in this matter -- Kind regardsXXXX XXXX
Consumer complaint received 2015-09-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (GA)

Dispute letter along with original documents from the Creditor was mailed in regarding the incorrect balance of XXXX. I do not owe the amount shown on my credit report. I also attached a letter explain the breakdown of the incorrect amount. The credit bureau has failed to insert a proper investigation for the item. The reporting agency only went by what the creditor responded. The documents clearly states the balance is incorrect. 
Attached in the packet was the original agreement, copy of payment summaries as well.
Consumer complaint received 2015-11-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (FL)

I am being taken to collections for a service I never requested. I never received a bill, a late payment, any notifications of anything due, nor did i ever receive a phone call or notice of payment from the collector.