davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
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)

In accordance with the Faie Credit Reporting act XXXX  XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX 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 an account without my written instructions.
Consumer complaint received 2023-07-11
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. (FL)

I have contacted Equifax regarding a collection that has been paid off XX/XX/XXXX and it still showed opened. I requested that they update the file has closed and remove from my credit report. The response from Equifax that it was updated and closed as of XX/XX/XXXX. I contacted Equifax by phone on XX/XX/XXXX to report this infraction and was told that I will need to contact the company, XXXX XXXX XXXX XXXX XXXX for a date closed on this issue and to have them contact Equifax to remove from credit report. 

I am going in circles. No one is taking responsibility and I need this to be taken care of since its making a dent in getting services that I need.
Consumer complaint received 2021-03-19
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 reached out via phone and letter to dispute inaccurate info on my credit report. I have yet to get any resolution and have yet to see any investigation. Agents claim everything is backed up due to covid but this unacceptable. They are reporting fraudulent information that has been detrimental to my credit report and has yet to be validated. I am attaching letters that I sent XX/XX/XXXX and still have yet to get any resolution. This is both unethical and unfair practices. I demand that all unverifiable accounts be removed immediately. per the FDCPA section 807 they are in violation.
Consumer complaint received 2016-04-25
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Big Picture Loans, LLC (FL)

I recieved a preapproved application in the mail about a loan for XXXX from Big Picture Loans company.i applied and was approved for the loan without much effort ... In the final documents and truth in lending info, there is a section telling you how much you will pay in a payoff balance which was a reasonable XXXX dollars and is what i was led to believe would be the final amount i would pay along with original loan amount of XXXX dollars by the time the loan was paid in full ... But as of today after reviewing my documents, i found out that you have to scroll all the way down the " truth in lending '' section, which should be called the " truth in hiding '' section since i had no idea this info was down here or i would have rejected this loan immediately, and i find that these people actually expect me to pay almost XXXX for an XXXX dollar loan at 887.877 % interest..thats not even legal ... That is simply not going to happen and these crooks should be stopped for their predatory lending practices ... Unfortunately, i now have to go to my bank and describe the problem to them and avoid this obscene situation alltogether ...
Consumer complaint received 2023-06-16
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance : {$29000.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : -.
Consumer complaint received 2023-07-11
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. (PA)

I reached out to XXXX back in XXXX of XXXX due to them providing personal information to XXXX party Companys, XXXX XXXX, XXXX, and Experian providing false late payment information and account information. They are in direct violation of the Privacy act of 1974. This information provided is negatively affecting my credit report I have disputed this with the credit bureaus for accuracy of reporting as well. This company is in direct violation of 15 U.SC 6802 & 16 CFR 313.1 and U.S.C 1681 ( b ) No opt out notices were giving in regard to summiting non accurate information.
Consumer complaint received 2023-08-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC. (FL)

I had some investments with Robinhood which I liquidated and transferred to their FDIC spend account. ( Their checking account equivalent ). I then requested a check to be sent for the full amount of {$2200.00}. Robinhood then informed me said check was mailed. A few days after I received email stating they issued a stop payment on that same check without my permission.

Robinhood then limited my account ( froze it ). Asking for bank statements from 2 other financial institutions which I never even used to fund Robinhood and are none of their concern regarding these funds. They state this is to verify I dont know what, as I requested a withdrawal via check not to another institution. I submitted one statement anyway as the other account isnt even linked or ever been used with my robinhood.

After submitting this I called Robinhood and I was given a non answer. Some accounts cleared in XXXX days others in XXXX others I dont know I was told they dont have a set time to release MY money. I informed the representative to return it via the account used to fund or a check directly to me. All I was given was more non answers. 

I find this practice to be unacceptable. A bank or financial institution should not have license to hold a customers money without recourse.
Consumer complaint received 2023-06-16
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. (TX)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX XXXX  XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$28000.00}
Consumer complaint received 2023-07-11
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. (NY)

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report that show inaccuracies. 

List of accounts showing inaccuracies XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-03
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. (IN)

I am filing this complaint because XXXX  has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed Being that they have gone past the 30 day mark and can not verify those accounts, under Section 611 ( 5 ) ( A ) of the ECRA 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. Its been over 60 days and have not sent me one document or original contract. 

XXXX, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also be advised that this is my second time contacting your company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. 

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you can't just verify my account by telling me it is verified Nor can you verify my account by telling me you contacted the creditor and the account I disputed is " Verified ''. This means that IF you can't send me proof of these accounts from YOUR COMPANY, it must come off. 

All in all, you have ignored my request to provided me with the documents that you have in your files that were used to verify the disputed accounts, which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly delete all information which can not be verified. '' This law is as clear as daylight, as to the civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately :
Consumer complaint received 2023-06-16
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. (IN)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a Bank of America rewards credit card. When I applied I was offered cash back. Per the terms and conditions, it stated I would get {$25.00} for every XXXX points. I have points that add up to almost {$9000.00} cash back. I am not allowed to redeem it. I have points from last year of XXXX.
Consumer complaint received 2023-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I did a quote online with XXXX for auto insurance. I was finalizing the quote on it said that the total amount for 6 months was {$1400.00} and the down payment was XXXX. This info is also in the email. When I attempted to make my payment of XXXX, the system said there was an error with my debit card and to try again. So I checked my card #, exp date, and CVV code. They were all correct so I attempted a 2nd time to make a payment and got the error message again. Do I went on the Bank of America ( BOA ) mobile app to check my balance only to discover that XXXX debited my account for XXXX. I called twice and the reps told me there was no problem and no previous balance. The rep said if he did the quote over the phone, it would be a different price and to try it again online. I didnt want to risk them taking another payment so I called back and got another rep. I asked why they drafted a payment of XXXX. He said it was from a past due payment from XXXX. I told him I had no knowledge of that info because I had not received any information regarding a balance and that info was not currently on my credit report. I asked him to reverse it because I needed to get insurance and he said they were unable to. I told him I would dispute it with the bank and he told me good luck with that. On XX/XX/XXXX, I called BOA and disputed the XXXX. They did a temp reversal of XXXX half. I called BOA again and disputed the other half since I did not get insurance with XXXX. BOA did the dispute and said it could take up to 60 days for a response. On XX/XX/XXXX, BOA did a reversal of XXXX and closed the dispute. Per my XXXX credit report update on XX/XX/XXXX, there is no collection from XXXX nor have they contacted me about the balance they say is due. I would like my money refunded. I can send emails from XXXX and not once was a past due balance mentioned. I can also send screenshots of my bank info.
Consumer complaint received 2020-04-30
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. (NY)

On XX/XX/2020 i submitted a dispute letter to transunion in regards to inaccurate derogatory remarks on my credit profile. I sent the letter certified mail and it displays transunion recieved the letter. It has been over 30days and I havent been notified of the results of the investigation. This is a direct violations under my rights of the fair credit reporting act due to failure to properly investigate my disputes. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.
Consumer complaint received 2020-04-30
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: AES/PHEAA (MD)

These loans we're taking out in XXXX, on my credit report it states I opened the accounts in XXXX, there also reporting inaccurate balances, I spoke with Representatives from AES and PHEAA, XXXX ID # XXXX From ASE and XXXX from PHEAA, both informed me that nothing has been reported since XXXX but according to my XXXX  credit report there still reporting late payments along with other inaccurate information, which is a direct violation of the Fair credit reporting act.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

On XX/XX/XXXX I filed a complaint ( XXXX ) against XXXX for their inaccurate reporting on my credit report. I also made several calls regarding this as well. Last call XX/XX/XXXX because my balance is constantly changing causing my score to drop dramatically while I am trying to purchase a home for my kids and I. I have researched this and found that XXXX has been inaccurately reporting my loans since XX/XX/XXXX. I have late payments reporting XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I have attached proof from the Federal student loans site and also the response from the last complaint that I was in forbearance. I have fought with the credit bureaus as well to have this information updated but XXXX keeps coming back saying that it is correct. This has harmed my reputation with obtaining credit for years and definitely is defamation of character. Since XXXX obviously can not handle accurate reporting I demand these accounts be deleted. 

Under the FCRA, consumers can sue for : Statutory damages of {$100.00} {$1000.00} per violation Actual damages for injury the consumer suffered Emotional damages for stress or physical ailments resulting from the ordeal Punitive damages to punish the violator for their actions
Consumer complaint received 2020-04-30
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: EQUIFAX, INC. (NC)

I have been a victim of identity theft for several months. Each month I get a credit report now to ensure that everything is correct and accurate. In XX/XX/2020 I received all three credit reports and there were several fraudulent information. I sent a package to all three credit agencies stating what information was fraudulent. In XX/XX/2020 I received a new copy of all three credit reports and some of the old information was still on the reports plus there was a new account. I sent all three credit agencies a new package listing all of the information that was being reported incorrectly and that was fraudulent. I have not received my XX/XX/2020 report as of yet but from what I can see on the agencies website the information is still on my report and nothing has been done to remove it. I have attached a copy of both packages I sent in XXXX and XXXX, a copy of my driver 's license for address verification, a copy of ssn card for identification, and a copy of my identity theft affidavit.The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. I have not obtained possession of goods, services, or money as a result of the blocked transaction or transactions. Also, I have not authorized these transactions or authorized anyone to use my information to open these transactions. It is the result of identity theft. 

Fraudulent information : Installment Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (DC)

Equifax refuses to give me a free credit report. They are trying to sell products on the website and will not give me an online report like the other two credit bureau. They have a form for submission ; however, the information they want is prohibitive, equivalent to applying for a mortgage. I need my report ASAP
Consumer complaint received 2024-10-29
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. (AZ)

Identity Theft! There are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2020-04-30
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. (MD)

The attached picture shows Transunion caught in fraud, I have one picture from XXXX XXXX  that shows the correct amount, and one picture from Transunion that is malicious. Action if you say that this is a duplicate please send me the duplicate or next time you will see me in dc at that office with the media.