davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-19
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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.
Consumer complaint received 2021-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (PA)

In XX/XX/XXXX I had a bill for internet service settled before I moved out of my apartment. I dropped off the modem and went to the XXXX XXXX XXXX/ XXXX  store and asked working employees if I needed to clear anything else and they said no everything was taken care of. This included any charges and anything else. 

Three years later in XX/XX/XXXX MRS associates and XXXX XXXX who are two different debt collection agencies are asking me to pay different amounts. MRS associates threatened that if I didnt pay within 40 days they could attack my credit. 

I called XXXX  when I received the email from MRS associates and they told me I owed money. I told them I was already disputing the amount I owed with MSR associates. XXXX  said they were going to dispute it also but they said they would call back in three business days and they did not. They didnt have me on file for any charges and said it was waved but it showed I still owed money but couldnt find out what the charges were for and werent clear because everything was cleared? 

I am not sure how I have debt with XXXX, XXXX XXXX and MRS accociates all at the same time for different amounts for something i never owed money on to begin with and am afraid that my credit will be attacked. 

Please help me.
Consumer complaint received 2021-02-20
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. (CO)

Hello On XX/XX/XXXX I contracted a individual secured auto loan for {$5800.00} with the XXXX, and monthly payments of {$120.00} were due on the XXXX of each month. The first part of XXXX I had lost half of my income and attempted to keep things a loft however things did fall behind, at the first part of XXXX I did fall behind on the loan however sporadic payments where made. On XX/XX/XXXX I received a call from XXXX collections I spent over an hour on the phone when over this account and another one. I believed had made myself clear that I was wanting to pay this loan off in full during this call and the XXXX rep never informed that the loan was about to be charged off I also had two pending payments one for XX/XX/XXXX & XX/XX/XXXX. It appears that the XX/XX/XXXX did not go thru, and they called and spoke with me again a couple of days later and also never updated me on the status of the account. My issue is XXXX never informed me that the loan was in a charge off status for me to prevent it, XXXX had several opportunities they should have provided this information either during the out bound calls or on my monthly statement, they hid what my account status from me. XXXX stated they sent my account to XXXX XXXX never spoke with XXXX they never contacted me, as I had already been in contact with XXXX charge off area and made them aware that the loan was going to be paid in full and was paid to them on XX/XX/XXXX not to XXXX so another lie from XXXX. Under the fair credit act XXXX should be updating the account holder of the status of the account in this case it was about to be charged off, XXXX should have never charged off the loan with out notifying me so I could attempt to correct the issue. 

Here is a short history what XXXX has put me thru when i asked why they charged off the loan and pulled the phone records 1st. I was told I hung up the call and that is why the loan was charged off 2nd. XXXX XXXX said I had made a promise payment that was missed and the loan went into charge off, and it is XXXX policy don't to discuses when a loan will be charged off with the account holder 3rd A combo between a missed payment and I told them not to call them, but the call on the XX/XX/XXXX & on a couple of days later was out bound call from XXXX collections so another lie My most recent call with XXXX XXXX I believe went well, however the response I received in writing did not match what she said. XXXX keeps changing their story trying to see what will fit to make them sound good in this issue, however this is bank error and needs to be corrected. The staff at XXXX will just lie so I have no other option to seek help here, so everyone can see what XXXX lending practices or lack of them.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across Experian XXXX and XXXX. They ( XXXX ) received that letter with certified returned receipt on XX/XX/year>. I received a paper correspondence on XX/XX/year>, and XX/XX/year> Their response was a " canned '' response that " XXXX has a reasonable belief that the dispute is submitted by,, is prepared on your behalf by, or is submitted on a form supplied to you by,, a credit repair organization '' which is false the letters were sent by myself, without a credit repair organization, and without any forms created by myself and on my behalf. A second letter was sent on ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Consumer complaint received 2024-10-18
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. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXXXXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

On XX/XX/XXXX I called to file a dispute with XXXX from my acct at USAA. I neve received the merchandise from XXXX and attempted to resolve with XXXX  since XXXX the issues no resolution. I decided to reach out to my bank instead and file dispute. Letters requesting docs were sent but I guess issues with USPS delivery issues I didn't get my letters that requested more info. Temporary credit was reversed. I called USAA on XX/XX/XXXX XXXX because saw funds were taken. Was explained dispute was closed because I didnt sent docs. That day rep send request to reopen case and sent me copies of all communications previously sent. I sent requested inf between XX/XX/XXXX & XX/XX/XXXX thru link on USAA app as instructed during that call. Today I called to fll9w up and rep couldnt locate where docs were sent or case reopened and told me another of the credits related to dispute was gon na be reversed and case close since I didnt sent docs. I uploaded several times the same.docs. One charge came off acct ending in XXXX for {$35.00} and three from XXXX XXXX for {$35.00} & one for XXXX. I dont understand the confusion going on. I am frustrated how this is been handled by all parties including XXXX and XXXX. But my bank USAA really dropped the ball. Besides the fact that my notifications in my inbx are not loading up correctly. I can't see some docs and the fact that I have to call and get them send to me again is also frustrating. Taking back mycredits is creating issues sin I have bills to pay and this cod cause overdraw of my accts if not already happened
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Back XX/XX/2020 I filed disputes with the bureaus.Two months later and still nothing from or any change on my credit report. Why is this taking so long? Are all three close because of Covid that the only thing I can think of for them not doing their job.I would like matter resolve soon
Consumer complaint received 2021-02-19
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. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 30 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. IT HAS BEEN PAST 30 DAYS. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2024-10-18
Product: Credit reporting 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. (FL)

I am writing to express my dissatisfaction with the results of the recent investigation into the unauthorized inquiries on my account. Below is a list of the inquiries that were made without my authorization. 

Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-20
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. (PA)

There was a fraudulent charge of {$160.00} to my Citi Card on XX/XX/XXXX. I contacted Citi by phone to inform a fraudulent charge was pending ; it had not posted yet. They immediately inactivated the card ending in XXXX and issued a new card ending in XXXX. The charge then posted XX/XX/XXXX. I logged into my account and issued a dispute, which was registered by the Citi System. I received a statement on XX/XX/XXXX. I logged into the website, it showed the charge under investigation. I call Citi and spoke with a representative, they indicated it was resolved. I packaged all of that information, and postal mailed to Citi another confirmation the charge was fraudulent, please provide to me written status as the website indicates no dispute, but under investigation, and to please close the account. Citi did not respond or take any action. On XX/XX/XXXX I again called Citi, indicated I had been contacted on the XXXX, was there anything on the account, they indicated no. I requested the account be closed. On the XX/XX/XXXX, I received an e-mail giving me 24 hours to respond, indicating Citi had contacted me about the dispute, or they would re-post the charge to my account. This ominous approach is while their website indicates no dispute and their representative did not indicate a dispute. This is a completely unethical and aggressive manner in which to collect a 45+ day old fraudulent charge, which they intentionally indicated was not active, and they intentionally did not communicate in a timely manner. This is an extremely predatory approach especially as they issued a new card per my notification to them of a fraudulent charge. I have included the documentation showing no dispute on the account and my latest correspondence. There is no reason Citi should have even let the charge Post from the Pending state. At last check, my credit score was XXXX out of XXXX, this is not about the money it is about the ethics.
Consumer complaint received 2021-02-19
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: U.S. BANCORP (CA)

There are four accounts on my credit that DO NOT BELONG TO ME. I did not open these used them or even know how they appear in my credit. 

XXXX XXXX XXXX - Acct # XXXX XXXX {$27000.00} Opened XX/XX/XXXX US BANK - Acct # XXXX Amt {$5000.00} Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX - Acct # XXXX Amt {$460.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$560.00} Opened XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-02-19
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. (VA)

I sent out multiple letters to the credit bureaus and creditors to validate negative information on my credit report. I have the proof. All collections on my account need to be removed ASAP. I was a victim of fraud and there are several unverified and unverifiable accounts on my credit report.
Consumer complaint received 2021-02-19
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. (CA)

I have really struggled during covid I have made my payment noted some were not over 30 Days late but XXXX XXXX XXXX XXXX has put every kind of negative remark they could to diminish my credit Ive payed and as of XXXX my accoubt was changed to good standing I payed two payments in XXXX and two in XXXX which I have supporting documents on XX/XX/XXXX I have a delinquent status again but I bought a new car on the XXXX and traded that one in Ive sent all the in formation to both creditor and TransUnion no one is replying to my emails they hang up the phone on me please do not let this company continue to behave this way. I didnt need a new car but they have been such a headache I wanted to get out from Under that loan so I had no dealings with them they do not care about the customer harass you daily during covid manager says they stop doing latte fees during covid but yet they still are taking them out
Consumer complaint received 2024-10-19
Product: Credit 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: Experian Information Solutions Inc. (MA)

On XX/XX/year>, my XXXX XXXX card was charged {$24.00} by XXXX ( dba Experian ). The charged indicated it was a membership fee. I do not have and have never signed up for an Experian membership. I disputed the charge, but XXXX XXXX denied the dispute, stating it was a valid fee. 

When this did not work, I attempted to sign in to my Experian account and was not able to do so. My password was not recognized, I was unable to reset my password and I was directed to call the company. When I called the number provided, I was not able to reach a person. The system took me in circles and redirected me back to the webpage. 

Finally, I found a number that connected me to an agent. This person checked my accounts and confirmed that I have no memberships active. They opened a case, which remains open and unresolved. I have called back to check on it multiple times, and no movement has happened.
Consumer complaint received 2021-02-19
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: Santander Consumer USA Holdings Inc. (MN)

although i bagan this complaint about SANTANDER, s company who is harassing me, the root issue is that I am not allowed access to my credit files. XXXX, XXXX, XXXX  have been off limits to me for four years. nobody will believe me, nobody will help me. my credit score, meanwhile, has plunged from XXXX down to XXXX becaue i am not able to maintain accurate, honest records any longer. i want the credit file to reflect that score of XXXX at the very least, if not receive monetary compensation for the XXXX this has caused me.
Consumer complaint received 2024-10-18
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-09-01
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: EQUIFAX, INC. (MI)

I have reached out multiple times to Equifax and have not gotten any help from this situation. I have been denied from mortgage applications because the lenders cant get my Equifax account. I have sent my social and driver license to them multiple times. I have had no success whatsoever. At this point, I dont know what I can do. I have tried CFPB and yet nothing has been fixed. XXXX XXXX says my report has not been updated since 2022. I dont have all my credit cards on that account showing. Equifax website shows I have balances on cards that I dont. None of my information is correct! I am assuming the issue is a split account! I need help.
Consumer complaint received 2024-09-02
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: EQUIFAX, INC. (CO)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-02
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. (GA)

In accordance with the Fair Credit Reporting act. The following collection agency has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
. XXXX XXXX Acct XXXX on XXXX, Equifax and XXXX, XXXX and XXXX XXXX Acct unknown on XXXX, XXXX XXXX XXXX Acct XXXX on XXXX and XXXX, XXXX XXXX  Acct XXXX on XXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX Acct XXXX, XXXX XXXX XXXX Acct Unknown on XXXX The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and privacy of personal information assembled by Credit Reporting Agencies I recently review my credit reports from XXXX, Equifax and XXXX, I noticed many things are not accurate and incomplete and according to the fair credit reporting act the consumer reporting agency prepares a consumer report it shall have the maximum possible accuracy of the information concerning. the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

15 U.S.C. 1681c. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 

On all these collection agencies, I did receive any information from or sign anything with them, that been said why they all are saying that I open an account with them when I did not. XXXX XXXXXXXX and XXXX XXXX is XXXX of the prime examples They said I open an account XXXX XXXX XXXX, but the original creditor last payment was XXXX  that was XXXX years ago. The statute of limitation in Georgia is XXXX years.
Consumer complaint received 2024-10-18
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. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX Original creditor : XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions