davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-05
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. (VA)

XXXX   XXXX   XXXX   XXXX / XXXX / XXXX  SS #  XXXX   XXXX / XXXX / XXXX   XXXX , Equifax and   XXXX    will not investigate my unauthorized inquires on my report. They will not validate the inquires and they continue to ignore my request to deleted the unauthorized inquires. It has been over 60 days and by law they must deleted them all. all they do is say validated with no proof!!!!! who validated them give me a name and date and phone number of the person.       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  Delete all my unauthorized inquires from my credit report
Consumer complaint received 2024-09-10
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. (TX)

XXXX XXXX requested to have all old addresses removed from my account, accounts was never removed XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX My current address is XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2024-09-10
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. (MD)

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 



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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-30
Product: Credit reporting 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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2024-09-10
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. (FL)

I was stunned to discover wrong accounts appearing on my credit report out of the blue. I check my credit regularly, and everything had been accurate before, but tonight there were unexplained discrepancies. I even tried refreshing the page, hoping it was just a browser problem, but the incorrect accounts wouldnt disappear. Because of this, Im asking for a detailed review of the documents Ive submitted, so I can stop stressing about this happening again.
Consumer complaint received 2024-09-10
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. (PA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2017-05-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Advantage LNS Inc. (TX)

In  XXXX  I received a phone call from an unknown number that claimed to be from a debt collection agency trying to collect an unpaid debt, claiming that the last apartment complex I had lived in was trying to collect an outstanding bill.     As I was driving at the time and had no idea what this debt was about ( this being the first I had heard of this ) I asked them to email me all the information in regards to this debt.     During this call they made the threat that " unless I paid immediately my  credit score  would be ruined '' This phone call was made from the following number -  XXXX  Later that day I received the following email, that as can be seen had none of the required information on what the debt amount was, who it was from, or any information on my rights to contest the debt. There were  XXXX  attachments, however the first  XXXX   XXXX  a .tif file ) would not load ; the second one was simply their company letter head.      XXXX   XXXX   ( FADV-  XXXX  )  XXXX  XXXX  XXXX  via  XXXX  Attachments XXXX   XXXX  to me NCAC is a debt collector.This a attempt to collect a debt any information that is obtained will be used for this purpose.        XXXX   XXXX  Case Manager T.  XXXX  ext  XXXX  Fax  XXXX   XXXX  XXXX  XXXX   www.FADV.com  National Credit Audit Corporation The screening solutions business of  XXXX  has combined with  First Advantage  - Creating the Global Leader in Screening I have replied back to this email with the following : Hello  XXXX , I am sorry but could you please resend the attachments as they do not open.     Also as at this point you have not followed the Fair Debt Collection Practices Act and relevant Texas state laws I will be reporting this. Please also therefore consider this to be notice that, at this point in time, as both the law has not been followed and the required information has not been sent/received, I contest this debt in it 's entirety.     Sincerely,   XXXX   I have also since contacted the local tenants adviso ry (   XXXX ,  XXXX   County )  in regards to this claim and am now in discussion with them in an effort to sort out these charges.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My credit file still contains information about previous accounts from XXXX, Transunion, and XXXX despite my repeated disputes and requests for their removal. My credit file has these items since XXXX. I've been at odds with these credit bureaus for the past six years. Everything that states " Collection Charge Off, '' including XXXX XXXX XXXX XXXX, and XXXX, needs to be removed. I'm unable to move forward because of the ongoing effects these things are having on my credit report. 

These laws also protects me as a consumer Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1692 Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681 Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S. Code 6801-6809 Identity Theft and Assumption Deterrence Act ( ITADA ) - 18 U.S. Code 1028 Privacy Act of 1974 - 5 U.S. Code 552a
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I was a member of  XXXX   XXXX   XXXX , which was acquired by Pentagon Federal Credit Union. The process of merging, transferring, and issuing new account numbers were phased-in over three months :   XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX  .     I have had a  XXXX  Visa card ( " loan account '' ) since  XX/XX/XXXX  that I paid via my accounts page. My accounts page included my savings account and I would pay my Visa by simply transferring money from the savings account to the Visa account. During the phase-in transition however, the banking accounts ported over to the Penfed website  in   XX/XX/XXXX  , but not the Loan accounts ; those would not phase-in until  XX/XX/XXXX .      In  XX/XX/XXXX  I sent a secure message to Penfed customer service about making my Visa payment, the response was to mail it, and I was provided an address. I se nt a Bill Pay p ayment from my main banking institution to the address provided. I verified that it had been delivered. A few weeks later I receive a letter saying my payment was not received, so I sent another Bill Pay payment overnight via  XXXX  and it came with a tracking number. I verified with the  XXXX  ' website that it too had been delivered. Both payments were sent and received before the due dates.     On   XX/XX/XXXX , I  receive a credit alert from  XXXX  that Penfed reported my Visa account as 30 days late. The effect of this reporting tanked my  credit score.      When I called Penfed 's customer service I was told that they were behind on processing former  XXXX   XXXX   XXXX  loan payments.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I recently checked my credit reports with XXXX XXXX, XXXX, and Experian and noticed that there are several addresses, phone numbers, and names that are inaccurate or do not belong to me. My only name, address, and phone number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. All others must be permanently deleted from my credit report and file. My credit report must always report fair, accurate, and complete information only. Otherwise, there is a misuse of my information. I have attached my identification which shows my correct information.
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I had an issue with Experian over a year ago. They kept putting incorrect information on my credit report, bringing my score down. In    XX/XX/XXXX    I had a  credit score  of  XXXX . On   XX/XX/XXXX  my score went down to  XXXX  due to a payment of {$140.00} that brought my credit card balance to  XXXX . My score has gone up  XXXX  points to  XXXX  as of  XX/XX/XXXX  with about $ 75k less debt. I find it interesting that the other credit bureaus have been changing a few points up/down depending on balances. Experian stays flat. FOR ALMOST A YEAR? that makes absolutely no sense. It also does n't make sense that my score would drop because I PAID OFF a {$140.00} debt. I am typically debt free. I have over $ 85k in credit available and pay off each credit card prior to the statement due date ( so I have no debt ). I 've paid massive amounts towards my auto and home loans, and have never been late, yet my Experian score has not changed since the  XXXX  point drop. That does n't seem right, does it?
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2017-05-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NC)

Had a loan with   XXXX   and it was sold to  Bayview Loan Servicing . My final payment with  XXXX  was drafted on n    X/XX/2017 . I d id receive notice that Bayview would take over the loan. That is when things became a problem. I never authorized Bayview to do an electronic draft from my checking account. My final electronic check from  XXXX  on   X/XX/2017   indicates authorized by your depositor and the unauthorize draft from  Bayview in dicates authorized by drawer.     This would not have been a problem if Bayview would have informed me that they intended to use same drafting information from  XXXX . Trying to keep my good payment history I went into Bayviews website on  XXXX   XXXX ,  2017 a nd submitted an electronic payment for my first and worse payment experience with Bayview. Not until after the payment was submitted did I realize that the electronic payment from  XXXX  may move and this could cause my good deed to turn into a nightmare.     On Monday,  XXXX   XXXX ,  2017 I cont act Bayview and enquired about the payment. The agent instructed me to stop the payment at my bank. The same day went my bank and was told that the transfer is immediate and can not be reversed.   XXXX   on the same day contacted  Bayview  again and was told 21 days to get a refund. Told the agent that was not acceptable and placed in escalation. Was instructed by escalation department to fax the documents showing double payment and they would overnight my refund check.     The items did not show up on my account until   X/X/17     on the same day returned the fax with all the requested documents and even call. Was told then that my check should be in before Friday. Friday came no check in the mail. Call again on   X/X/17     and was told the check was processed and should have it soon.   X/XX/17   still no check.     Making two payment has created an extreme hardship on me and my family not to mention getting the run around from Bayview.     Surely something is wrong with this picture. I need help.     Thanks
Consumer complaint received 2024-08-22
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. (MO)

I am respectfully requesting a validation of debt, pursuant to 15 USC 1692g, alongside Anybody that can do it, a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt. Account ( XXXX XXXX ) I understand the importance of following the Commercial codes in reference to this account. -UCC 9 Part 6, UCC 9-611 -UCC 9 Part 6, UCC 9-611 -UCC 9-614 ( a ), for proof that the presale letter was sent, and all requested information is included. 
-UCC 9-616 ( a ) ( 1 ) ( b ) ( c ) ( d ) ( 2 ) ( c ) -UCC 9-616 ( b ) ( 1 ) ( a ) ( b ) ( 2 ), for the post sales letter. 
- UCC 9-27 requires that any transaction involving this account should be commercially reasonable. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I am submitting this complaint due to unauthorized information listed on my credit report and a violation of my privacy rights. A bankruptcy record has been reported on my credit report without my consent and without valid authorization. This record is listed as a public record, which I believe is not compliant with the standards for accuracy and privacy required. Credit reporting agencies are required to ensure the accuracy and privacy of the information, and is restricted with the dissemination of personal and private information by third parties- the listing of this bankruptcy on my report appears to violate my privacy rights under the law.
Consumer complaint received 2024-09-10
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. (CT)

Please delete all fraudulent accounts and hard inquiries off my credit file from Experian, XXXX, XXXX immiediatly. 

XXXX XXXX XX/XX/XXXX {$900.00} XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 202
Consumer complaint received 2024-09-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

For about a month, I have been getting repeated calls from XXXX in an attempt to collect a date. 

Call Log as follows : XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX Answered, I asked them to stop calling, I was told that their business practices allow them to keep calling to which I replied that Colorado state law supersedes any and all business practices that might be allowed in other states or otherwise. I blocked this specific number XXXX XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited XX/XX/year> XXXX, sent to XXXX, no XXXX deposited
Consumer complaint received 2017-05-11
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: AMERICAN EXPRESS COMPANY (FL)

I discovered an unauthorized charge on my  American Express  card in the amount of {$12.00} for an  XXXX   XXXX  membership on   X/X/17 .  I contacted  American Express  and was told that I did not have to close the account but they would place a merchant block so that  XXXX  would no longer be able to charge my account. The same charge appeared on   X/X/17 .  I called again and was told that I should close the account and open another one. I inquired about the merchant block and was told that with memberships, they continue to be charged even after an account is closed. I asked how the issue can be resolved since the unauthorized charge is for a membership. I did not receive a satisfactory answer. I later received an email stating that an account number that I did not recognize was charged for {$12.00} for the  XXXX   XXXX  membership. When I called  American Express  again I was told that an old account that was closed many years ago was accessed and the charge got processed through that account and then bounced to the new account. I explained that many years ago I did close an account due to a security issue. I was told that it was not closed properly. At this point I have been told on the phone by various  American Express  representatives that all of my accounts are closed as I had requested at this point but I continue to receive email that contradicts that information. I contacted  American Express  headquarters in New York and was advised to send them a letter. I sent them a certified letter on Saturday,  XXXX   XXXX . I called today after having received an email that seemed to indicate that there is still an open account and I was told by staff in their legal department that someone would call me eventually but would not give me a timeframe. I have spent many hours on the phone talking to many American express representatives. Several calls have lasted  1 to 2 hours  in which I was transferred to numerous representives. Some of the representatives have been in the US and some have been outside of the US. Some of the phone connections have been OK but some have been extremely poor. There has also been a language barrier with numerous representatives. Overall this experience has been extremely time-consuming and inefficient and is still not resolved. To clarify, while I have had an  American Express a ccount, I have been the only authorized card holder