davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
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. (TX)

Filing a complaint against TransUnion. On XX/XX/XXXX sent a letter to dispute inaccurate inquiries. The credit company are not complying with their own policies in a timely manner. The company refuses to delete the inquiries.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This account reported on my credit reports does not belong to me. Attached is a letter verifying this from the creditor. 

XXXX XXXXXXXX XXXX XXXXXXXX # XXXX
Consumer complaint received 2022-05-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I sent my pay-off check to Nissian on XX/XX/XXXX by XXXX  for my XXXX XXXXXXXX XXXX XXXX. They received the payoff check on XX/XX/XXXX @ around XXXX XXXX and signed for the check. Its now XX/XX/XXXX and the loan is still not showing paid off. Which in turn now is going to make me 30 days past due and will now affect my credit score/report showing I was 30 days past due. ive called them numerous times asking about the account and why it has not been paid off and I get no answers but theyre showing that they received the check and sign for. It shouldnt take more then 10 Business days to process it because when you get a payoff quote its only good for 10 business days.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Comerica (NV)

I need to speak to you XXXX. the company of direct express has caused me XXXX XXXX XXXX every month to verify my account I int with no cellular phone now becoming homeless it's all their problem from not sending me my card but to cancel my account hospitalized from loss after loss pain n suffering my experience was not acceptable XXXX there must be a XXXX times no money sent bk to me the cardholder no availability to receive missing XXXX XXXX at a time disputes nor are repayed no XXXX money paid put my funds on my card I will have my lawyer contact u hundred of time
Consumer complaint received 2022-05-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

In accordance with the Fair Credit Reporting act XXXX 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 2022-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (IN)

I received several calls from XXXX  in regards to owing a debt. I told them I minimally used this card since opening the account. There were tons of charges on the account that I didnt authorize. I called into XXXX XXXX department and they did nothing to help me. Ive been violated according to 18 US Code 1028a. They charged off my account without my consent and has caused great financial hardship due to them not doing there job and investigating the fraud that took place.
Consumer complaint received 2022-05-20
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: EQUIFAX, INC. (TX)

Hi my name is XXXX XXXX. I have never done business with XXXX  XXXX  neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX I have the right to demand and see the contract between XXXX XXXX and myself! Please send the proper validation
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (AL)

I was notified through a credit check company I use that World Acceptance Corporation changed the status of a loan I had with them from current to PAST DUE ..This was from XX/XX/2019 ..I was notified by the service that this is unusual so I should check my payment history carefully..I believe this was don't because I have not been back in to refinance a loan with them and XXXX  because I am not able to answer the phone 10 times day when they call because I am at work..I believe this has been done on all of my loan accounts I have had with them..They also run your credit report multiple times per year causing multiple inquiries on your report even though you are currently under a loan with them..
Consumer complaint received 2015-05-18
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Alpha Recovery Corp (WI)

I received harassing voice mails on my cell phone and office phone on XXXX XXXX, 2015. Immediately afterward, I looked up the caller ID and traced it to a debt collection agency. I emailed the customer contact listed on their website with a written cease of communication notice. On XXXX XXXX, 2015, the caller again reached out to me on my cell phone and on my office phone.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

CFPB XXXX I have discovered accounts and inquiries in my consumer report that are a consequence of identity theft. These entries are not associated with any transactions conducted by me. I have made attempts to reach out to the companies directly but have been unsuccessful. Enclosed, you will find the FTC report, my consumer statement, and documentation verifying my identity. 

What is a fair resolution? 

It is essential for the companies concerned to act justly and fairly towards me as a consumer by eliminating this erroneous information from my consumer report. 

I, XXXX XXXX XXXX, wish to formally report an incident of identity theft. It appears that an individual has unlawfully accessed my personal information, including my XXXX XXXX XXXX and has attempted to open multiple accounts in my name. Consequently, I have observed numerous unauthorized credit inquiries on my credit report. These inquiries originate from the following institutions : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All these inquiries are unauthorized, as I did not initiate any applications for these accounts or loans, and they should not be present in my credit report. 

XXXX XXXX XXXX
Consumer complaint received 2022-05-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX, XXXX, Transunion and XXXX continues to report in accurate information on my credit report and refuses to correct the problems and conduct a proper investigation. Please review the screen shots from my most current XXXX report ( not a third party ) That shows my account status is Closed. I have also included the email thread from XXXX XXXX Who is a XXXX XXXX manager in the XXXX XXXX department XXXX Who refuses to fix the problem despite the screen shots that clearly show the account status closed. They are reporting the account in Transunion and XXXX as being late when they should be reporting current and they are reporting the accounts 90 days past due when the account was suppose to be in approved forbearance. This company and the credit reporting agency have failed to do proper investigation and correct the my reports, despite my disputes. Even the president of the company was emailed about the problems and totally ignored my emails. Problems with this company have been reported to the state attorney generals office, CFPB and XXXX and no one will listen or fix the problem.
Consumer complaint received 2022-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc. (CA)

XX/XX/XXXX I contacted cash app support about a dispute I filed XX/XX/XXXX for an update on the dispute while after the dispute my cash card was deactivated off my account without any one asking or me saying I wanted another card I had to pay XXXX $ for this cash card and I was hung up on by a representative at XXXX after calling about this problem the representative told me not to be mad on the phone and I stated I can be as mad as I wanted because my account with my money on it is being jeopardized and I was hung up on and no longer received a call from cash app
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (GA)

I have a business bank account with Chase Bank and they continually lock me out of my account " due to suspicious activity '' every time I try and wire refund payments to my clients internationally. They decline the transaction without asking me first if it is valid and then lock me out of my account. It takes me hours to reach anyone on the phone who can assist me. This is happening almost weekly and causing tremendous issues for my business. I need someone with authority at Chase Bank to assist me. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX
Consumer complaint received 2022-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF THE WEST (NY)

I started disputing Bank of the West credit card charges around XX/XX/XXXX. I did all things that I could think of, including filing a police report, calling the bank, going to the local branch of Bank of the West three times, filing two more reports at the local branch, filing complaints against both Bank of the West and its collection agency, which was consuming both time and money wise, as I am using a XXXX phone. It is also a very mentally agonizing experience to me. The credit card was opened using a XXXX address. I explained to the world that I have never lived in XXXX and have been living in XXXX  in XXXX. We moved to the XXXX XXXX XX/XX/XXXX. Plus, they sent me the charge statement, which shows that all the online shopping was done and shipped to a XXXX address. It's an easy fix -- go to that address and ask who live there during the period these charges were made! Instead, Bank of the West chose to victimize me by ruining my credit when they sent this to the credit report companies like XXXX, XXXX, and XXXX. I'm first a victim of an identity theft, then a victim of places like Bank of the West. I told them that I can prove that I have been living in XXXX all these years, never lived in XXXX. Still they refuse to take this nasty report from credit report companies. Bank of the West needs to come up with a hard evidence to show that I'm the person who opened a credit card account, used the card without paying a cent. Otherwise, it is worse than ruining a person 's life.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

I have been disputing the late payments showing on my account for Santander Consumer USA which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian has failed to remove XXXX XXXX XXXX Acct # XXXX, After i have advised them that the inforamtion is incorrect through five disputes in the last year.. I have even filed written dispute via cerified mail in XX/XX/2022, in which a request for written response detailing the innacuracies, and provding evidence supplied to them and how they conductied thier investigation and did not recieve any written responce which is also FCRA over 60 days at this point. My dispute with this account is # 1, Veirfication of this debt with evidence provided to them as staements etc containing extact dates showing money owed. also i was not properly contacted by them of my alleged deliquency via mail. They also reported a charge off, while this account while i was involved in an active dispute in violation of 15 US Code 1681 that i do owe XXXX XXXX XXXX and ET Sec 604 of the FCRA. # 2-Experian reporting A past due ammount 0f {$640.00} dollars on a cahrged off account. This Charged off account is reporting payment history each month when it should not since account has been charged off. This is falsely manipulating the statue of limitations which is a FCRA violation.
Consumer complaint received 2022-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MS SERVICES LLC (NY)

I started disputing XXXX XXXX XXXX XXXX credit card charges around XX/XX/XXXX. I did all things that I could think of, including filing a police report, calling the bank, going to the local branch XXXX XXXXXXXX XXXX XXXX XXXX three times, filing two more reports at the local branch, filing complaints against both XXXX XXXX XXXX XXXX and its collection agency, which was consuming both time and money wise, as I am using a XXXX phone. It is also a very mentally agonizing experience to me. The credit card was opened using a XXXX address. I explained to the world that I have never lived in XXXX and have been living in XXXX XXXX XXXX. We moved to the XXXX XXXX XX/XX/XXXX. Plus, they sent me the charge statement, which shows that all the online shopping was done and shipped to a XXXX address. It's an easy fix -- go to that address and ask who live there during the period these charges were made! Instead, XXXX XXXX XXXX XXXX chose to victimize me by ruining my credit when they sent this to the credit report companies like XXXX, XXXX, and XXXX. I'm first a victim of an identity theft, then a victim of places like XXXX XXXX XXXX XXXX. I told them that I can prove that I have been living in XXXX all these years, never lived in XXXX. Still they refuse to take this nasty report from credit report companies. XXXX XXXX XXXX XXXX needs to come up with a hard evidence to show that I'm the person who opened a credit card account, used the card without paying a cent. Otherwise, it is worse than ruining a person 's life.
Consumer complaint received 2024-08-15
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. (TX)

I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.
Consumer complaint received 2022-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I had a credit score of XXXX with Transunion. My score suddenly dropped XXXX points in one day for no apparent reason. Transunion has been unhelpful in providing a reason as to why, and immediately closed their investigation. According to the information I received, the other major credit bureau scores have not changed. I worked hard to earn a good credit score by making timely payments each month, and do not deserve to have an error damage my report. Please see attachments for more information.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i am a victim of identity theft, the information that i have right now posted on my credit report is not correct. 
i need to fix this information cause i think somebody use my information to do froud actions, pursuant to section 605b of the faircredit reporting act and i send all the inf required.
Consumer complaint received 2022-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NV)

American Express is not willing to grant any credit application based on what it believes was a violation of its policies from XX/XX/XXXX. When they lowered my credit line back in XXXX, they did not state or communicate that all credit applications would be denied. They steered me into believing that the actions were temporary and not permanent. Now they have taken the limit on a subsequent XXXX American express account that was paid off, the account balance was negative and had a credit on the account and they lowered the credit line to {$1000.00} in a response to my complaint with the CFPB. I'm being bullied, harassed, and unfairly processed as a credit applicant. 

American Express, please advise the following : XXXX. Based on the FCRA, what facts and findings do you have to permanently ban me from any credit application and now allow for any types of credit to be processed. 
XXXX. Please advise why this was not communicated in XXXX, as if I would of known I would not have had the credit damage of the application denials. 
XXXX. Please advise why a credit account with a paid-off balance was reduced out of the blue for no reason. 
XXXX. If this was an annual review, why was it not processed during the same account review back in XX/XX/XXXX as the XXXX card was reviewed. 
XXXX. Why after a perfect payment history since XXXX, are all of these actions happening? 
XXXX. Why was the letter that I mailed on XX/XX/XXXX not responded to? 


Referencing CFPB complaint : XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

Experian sent me a letter dated XX/XX/year>, in response to my XXXX XXXX XXXX  determination submission on or about XX/XX/year>. Experian stated in this letter that they could not process my request because they could not reasonably confirm my identity. Then they proceeded to list various proofs of identity that need to be included in my submission in order for them to process my request. The problem here is that I included EVERY DOCUMENT THEY STATED, SPECIFICALLY THE FOLLOWING : 1 ) ( a ) driver 's license, 1 ) ( b ) utility bill and bank statement displaying date, current name and address, 1 ) ( c ) full name including middle initial, 1 ) ( d ) social security number, which was sent by way of social security card and all was sent in XXXX  scan format. I have the time stamped proof and all supporting documents originally sent with my original submission, which will be included with this complaint. I will also include for Experian 's convenience, an updated qualifying signed and certified victim determination document. Respectfully, there should not have been any hold up in processing my request and definitely shouldn't be now.