davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

A new agreement between the major credit bureaus and 31 state attorney generals states that tax lien and civil judgements that do not have names, date of birth, addresses, or social security number must be deleted from consumer credit file starting XX/XX/XXXX. TransUnion has a " Paid '' tax lien on my report that meets these standards. This Paid tax lien does not include my name, date of birth, address, nor social security number. XX/XX/XXXX I spoke to TransUnion representative Son. I requested over the phone that the tax lien be removed from my report because it does not meet the above standards. The representative stated that yes he believed it should have been removed before XX/XX/XXXX, but the system had not automatically done so. He placed the request to have the tax lien removed and stated that it could take up to two weeks. I asked why not immediately, since a month has already lapsed. He stated that was their policy. XX/XX/XXXX at about XXXX XXXX I called TransUnion to re-verify that removal of the tax lien was in there system and being process. TransUnion representative XXXX stated that no dispute was in the system for tax lien removal. He was apologetic and stated that he would place it in the system. I informed him to place the request in the system but that I was also going to send a written request to have it deleted. XX/XX/XXXX I called to re-verify request was in TransUnion system. TransUnion representative Al stated that the request was in the system and that the tax lien should be removed in about XX/XX/XXXX. I re-iterated to Al that it was illegal what TransUnion is doing because my tax lien meets the requirements to be remove /deleted off my credit report. Finally, I log into TransUnion online dispute to see if anything showed the status of any dispute and I could not see the status nor any details about the dispute. Instead the page stated, Request Submitted '' and " Request Failed ''. So, TransUnion has verbally acknowledge they have the dispute in their system, yet I can not view any information about the dispute online, which advertise that you should be able to see the status of any dispute online. Note : I keep putting into CFPB my correct date of birth is XX/XX/XXXX and the system keep changing it incorrectly to XX/XX/XXXX. CFPB there is some type of glitch in your system because 3 times I put DOB XX/XX/XXXX and your system changes it to XX/XX/XXXX. To whom ever reads this, my correct date of birth is XX/XX/XXXX
Consumer complaint received 2015-04-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (MI)

My son 's name is similar to my name. He has very bad credit, including judgments against him. My credit was very good until his information started being reported on my credit report. We discovered this last year ( XXXX ) when my wife and I were building a new home. We contacted all XXXX credit bureaus asking them to delete my son 's information. For some reason, Equifax did not fix their errors. We have contacted Equifax by phone, by letter and by submitting a dispute via the internet. We have been trying to get our fixed rate loan since XXXX and are getting denied because of my son 's information on the Equifax report. They 're saying that rates are probably going up and we want to get locked in at the lower rates. It should not take XXXX more days to fix something that they were told about a year ago.
Consumer complaint received 2016-08-01
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (SC)

I charged a car rental ( XXXX ) using my Discover Card. The car was " never rented '' as I disputed the charge and the reservation was cancelled by the rental agency The Reservation # was XXXX The amount is {$140.00}. Discover has said this was resolved. 
However as of my last payment ( XXXX ) I paid this along w/ other charges for fear of damaging my credit My records show XXXX debits and only XXXX credits so I think I 'm owed the {$140.00}. They refuse to give me a refund.
Consumer complaint received 2022-11-25
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 submitted letters to Experian requesting their help to investigate and verify the accounts ' information and have it corrected to appear accurately on my Credit File. Experian must be required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the entire account ASAP : XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2024-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had my information stolen. I live in XXXX, and someone in XXXX  opened an account with a credit union in my name, and attempted ( or did ) buy a vehicle in my name. They also applied to like 4 other things and they all appeared on my credit report as hard inquiries.

I contacted the bank ( XXXX XXXX ) and they closed the account and opened up a police report for me, but nothing came of that. I reached out to all 3 credit bureaus and they did not remove any of the fraudulent inquiries that were done under my name in XXXX, so my credit has plummeted as a result of that, and nobody seems to care about fixing that. The hard inquiries that were done that were not requested by me were all done at the beginning of XXXX of XXXX. They are as follows : XXXX XXXXXXXX ( Finance/ personal ) - XX/XX/XXXX XXXX  ( Banks ) XXXX XXXX  XX/XX/XXXX XXXX  ( Finance/Personal ) XXXX XXXX XXXX XXXX XXXX ( Finance/ Personal ) XXXX XXXX XXXXXX/XX/XXXX I would like these 4 things removed from my credit report, because I did not apply with any financing companies, banks, or anything else at all in XXXX. 

Attached are the dispuite letters I sent to all 3 credit bureaus asking them to remove the issues with my credit report.
Consumer complaint received 2015-06-30
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (NJ)

I was hospitalized,XX/XX/XXXX after a XXXX. After the XXXX someone cut off my American Express Card. My credit is and was excellent until others used my credit card after, XX/XX/XXXX. I moved to XXXX and used my card again. The balance paid off and assumed correspondence from American Express stated I had informed them to cut off my credit card with the respect of this problem is by law XXXX year XXXX, ( forwarding a written statement to the bank which issued the credit card ). I contacted American Express by letter and telephone, they would n't believe I did n't cut off the credit. This has caused extreme hardship, due to XXXX XXXX denied me a credit card and XXXX XXXX XXXX had charges of purchases, I did not purchase, also harassed me for payment and I informed them I did not make the purchases. Someone is attempting to destroy my credit. At this time I do not have a credit card with my financial status which is very strong financial assets. Please Advise. I was called into the office of a XXXX Hospital stating a nurse had my credit cards. It is very hard to believe American Express of great professional respect and the banks of complaint are the true respondents. By professional performance as a Corporate Leader the banks always cooperated. It is assumed someone else maybe answering their telephone communication systems with unprofessional skills. After reading your scrubbing section, it should be monitored due to the zip codes are financial accounts and I do not desire to have any finances removed or scrubbed from my zip code trust account. The OMB number displayed on your web site is also one of my financial asset accounts. The 12 U.S.C 5493 gives me the respect to file my complaint with you due to the law of year XX/XX/XXXX and yet the 12 U.S.C ( United Supreme Count of 12, Understand 5493 is also personable.
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: EQUIFAX, INC. (GA)

The Following companies, Equifax, XXXX, XXXX, XXXX, XXXX, Affiliates, are in possession of my stolen credit card ( 15 usc 1602 ) personal social security account information, absent my knowledge, consent and/or agreement ( 15 usc 1692c ). I have forwarded an opt out demand, verification disclosure, cease and desist communications letter to the aforementioned, identifying the identity theft accounts. Equifax, et al, has failed and/or refused to implement a block> I have also demanded secific verifications : ( 1 ) Any insurance claims ; ( 2 ) chain of title ;, i.e.
Consumer complaint received 2024-11-15
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. (SC)

In accordance with the Fair Credit Reporting act Convergent account name XXXX XXXX XXXX, account number 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 states. A consumer reporting agency can not furnish a account without my written Instructions.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

My personnel info was compromised by a health organization 's records being hacked. I was advised by the company to place a freeze on my credit. As I had once had an account with all 3 credit reporting people I set about to do so. I managed to complete the task at XXXX and XXXX but Equifax has become a nightmare. I tried to establish my account on the phone with these people and was told that I had to mail in a copy of my social security card and a copy of my drivers license. I did so and received a response that their records were accurate which is not my complaint. My complaint is that I can not remove the credit freeze they have applied since I have no accessible account. The reason I sent in the documents was to have an account established because their employee managed to XXXX everything up and said there was nothing else she could do. I do know that on one of the forms she presented me with had a phone number on it that was not mine. I told her this and she said there was nothing else she could do, to send in the documents. I have tried to deal with these people but they make no sense. I have complied with their requests and get zero results. It is not fair that these people can control your credit availability and at a whim as they have done for me. All I wanted was an accessible account and no more so that I can apply or remove a credit freeze should I want to apply for credit sometime. I know that my credit is excellent and I do not need any information from these people unless they have lied about my credit which I can see easily happening.
Consumer complaint received 2022-08-16
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)

Equifax continues to NOT exercise their grave responsibility to be fair, impartial, and there was no respect for my rights to privacy as a federally protected consumer. Please see attachment.
Consumer complaint received 2017-08-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (VA)

I deal with Jpmorgan chase with my mortgage company. I am currently and have been in a chapter XXXX bankruptcy for 3 yrs and have some mortgage payments in the bankruptcy. My credit score is finally where I can refinance my house and pay my bancruptcy off. I have been trying to refinance my house for 2 years with a different conpany and no matter how much i do right with chase they have my account say something different. I just recently had a confrence call with a woman to verify my account was on current and when the next payment was due the last step I needed to refinance my house. And chase told her I am 3 months behind and my monthly payment is {$200.00} more a month then what I pay. And that i have sum random money just sitting in my unapplied funds account??? I havent known whats gone on with my account for yrs and i can see in my records that i am paying for things in my bankruptcy twice. Chase refuses to give me any statements, or payment history as they claim that my attorney is the only one who can have access unless he says other wise. However, per my bancruptcy court documents it states my monthly payment amount and that I am to be receiving my statements my history of payments anything I request as if I am a regular customer. But everyone I ask I am refused. So now in order to refinance my house I need to get my payment history to present to the loan company who has pre approved me for a loan that my payments are current and everything is good, and hope that that will work. I am now almost out of my window of being able to refinance because my only income is XXXX and child support and my children are getting older and I am going to start getting turned down because there child support will stop soon. Chase has managed to cause so much stress in my life over this, I 'm trying to help fix my situation but chase ... they are making it worse. I would also like to know why I paid my escrow shortage thru my monthly mortgage payments and have came current on that but the escrow money is also being collected thru my bankruptcy.?
Consumer complaint received 2022-08-16
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. (VA)

n accordance with the Fair Credit Reporting act XXXX Account # 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 2024-09-03
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. (TN)

I am writing to formally dispute the reinserted information on my credit report that was previously removed. According to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ), if an account is disputed, found to be inaccurate, and subsequently removed, it can not be reinserted without notifying the consumer within five business days. 
The account in question is XXXX XXXX, which was removed following a dispute. However, I have recently discovered that this account has been reinserted into my credit report without any notification from your agency within the mandated time frame. 
This reinsertion without proper notification is a clear violation of FCRA Section 611 ( a ) ( 5 ) ( B ). I request that you : Immediately remove the reinserted information from my credit report. 
Provide written confirmation that this has been done. 
Ensure that all future reinsertions comply with FCRA regulations. 
Attached are copies of relevant documents supporting my claim, including the initial dispute correspondence and confirmation of the accounts removal. 
I expect this matter to be resolved promptly and look forward to your confirmation within 30 days of receipt of this letter. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (CA)

To whom it may concern, Affirm inc has reported me 30 days late for a payment that I have already made. On my account info it shows that I have paid for XX/XX/2022 on XX/XX/2022 a payment of XXXX as attached but it has been reported today on my XXXX report XX/XX/2022 that Im past due 30 days for {$83.00}. I called the company and they refused to fix the mistake saying that they wont change anything and even hung up the phone and refused to get me to a supervisor. This is incorrectly reported with the wrong dates and the wrong amounts.
Consumer complaint received 2016-12-22
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings (GA)

I paid speedy cash on time then something went hair wire ... they are taking large amounts from my bank. 
When I speak to the office in XXXX TN. the girl today said it 's not them taking it out. It has their name beside the amount on my bank account. 
They have been doing this for 3 months now. My account stays overdrawn and this is why. Help is this deceptive business practice???? They have taken out XXXX for two months and does not reflect that on my bill.
Consumer complaint received 2024-09-03
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. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have medical bills that are incorrectly reporting negatively as unpaid medical bills to collections in less than a year. According to the Medical Debt Relief Act S.214 Section 3, no medical bills are to be reported as collections to credit report within 1 year. 
The following negative marks are damaging my credit : XXXX XXXXXXXX XXXX XXXX  XXXX reported XX/XX/22 Balance {$100.00} Please remove all incorrectly reported items as they violate FCRA 15 USC 623.