davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
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. (FL)

XXXX XXXX is accusing me of having an account with them. I first started sending them debt validation letters starting XX/XX/XXXX. XXXX XXXX responded XX/XX/XXXX, stating that they " received a internet application from me, on XX/XX/XXXX and the last payment on the account was on XX/XX/XXXX for {$630.00} ''. I sent XXXX XXXX a proof of contract letter on XX/XX/XXXX. XXXX XXXX responded on XX/XX/XXXX stating that " unfortunately the do not have a copy, paper copy or signature copy of any account with them. XXXX XXXX is Accusing me of a debt that I never had and they do not have proof of contract that I even applied for the services. To add to my hard times XXXX XXXX Negatively affecting my credit reports and score. They have now sold the debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Harassing me for a debt of {$520.00}.
Consumer complaint received 2024-05-21
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. (PA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-05-21
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. (NY)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NEW YORK COMMUNITY BANCORP INC (NY)

XXXX XXXX of Flagstar Bank NA refused to open a small business law firm checking account for me as he says due to my past bankruptcy filing from last year. He did not even call me after many days, I had to both email and call him several times to obtain an answer. This is both illegal and unethical, as he said " we are allowed to choose who we do business with. '' But this is both biased and discriminatory. Please investigate and advise.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Financial Freedom Group, LLC (FL)

My wife and I signed an agreement with DebtBlue to help us consolidate our debt. We listed 7 accounts, the largest one being a XXXX XXXX XXXXXXXX credit card with an outstanding balance of {$13000.00}. As part of the agreement I make a monthly payment of {$390.00} for a total of 44 payments to an account at XXXX XXXX to pay for the settlements. This amount is based on what DebtBlue would require to settle all 7 accounts. DebtBlue has settled 5 of the 7 accounts listed in our agreement the 5 smallest accounts. 

On XX/XX/XXXX we received a summons from XXXX, so I immediately called to ask for their assistance. I was told to send them the paperwork, which I immediately did, but the company did not respond. I called repeatedly and sent several emails but nobody called me back. With only two days to go before the court hearing I finally sent them an email threatening to cancel the agreement and they replied via email that they had been unable to reach me so they left a voicemail and asked me to call them back to discuss my options. I finally called the lawyer representing XXXX and negotiated a settlement directly with them. I then requested that DebtBlue remove this account from the list and adjust the monthly payment to subtract this amount but their answer was that they would not change the draft amount due to me handling the XXXX account on my own so we can build funds and clear up the remaining accounts. Of course, they asked me to call them for any further questions. 

I am complaining because this company failed to represent me with the largest and most difficult account. They ignored my calls and emails and now expect me to continue paying the same amount even though I have taken responsibility for the largest account. I feel they failed to help me in the most difficult moment and now pretend to continue to take advantage of us.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no XXXX  party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-06-23
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)

I have two unauthorized charges from a car rental company that were charged to my card several days following an extended rental period. I disputed the two charges ( XXXX was around {$390.00} the other was {$7.00} ) because upon discovering these charges i also found my account with the rental company had been closed without my knowledge, i never received a bill for these charges, and my attempts to contact the company were never returned. I filed the dispute with Bank of America and was not immediately offered a provisional credit. So I waited the obligatory XXXX days and was told I would have an answer the next day. Next day comes and still no answer, only that they had disputed the charge with the companys bank. When I asked if I would be receiving credit I was told the back office had decided it was not an eligible transaction for Regulation XXXX and when I asked why I was given no reasons nor was I allowed to talk with anyone in the back office. Im fairly certain I am entitled to this credit as it was an unauthorized XXXX as defined in the regulation as an electronic fund transfer from a consumer 's account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. {$400.00} is a lot of money to someone like me who doesnt make much and I think the bank is just being greedy or they just dont give a XXXX.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I filed a XXXX XXXX XXXX petition on XX/XX/2023. The XXXX account is part of my XXXX XXXX XXXX. This company keeps reporting inaccurate information of late payments to my Experian credit bureau from XXXX, XXXX. The XXXX  was XXXX in XX/XX/2023. I have produced the XXXX  XXXX information and Recission document which shows XXXX is included in the XXXX. The late payments should be removed, and it showed show on my end XXXX  XXXX. The Experian rep said he could see from his end that the file does indicate a XXXX  XXXX XXXX  for this account. However, when I pull the report it shows with past due payments from XXXX until current with a balance owing. I have tried several attempts in speaking with XXXX collections and XXXX  department with no success. The other XXXX reports are updated according at XXXX and XXXX.
Consumer complaint received 2024-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-05-21
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. (MA)

On my Experian credit report, there are 3 hard inquiries related to credit card applications that I did not make : 1 inquiry from XXXX XXXX XXXX  dated XX/XX/XXXX ; 1 inquiry from XXXX XXXX  dated XX/XX/XXXX ; and 1 inquiry from XXXX XXXX XXXX dated XX/XX/XXXX. I do not bank with any of these 3 banks and I did not apply for credit cards with any of them. 

The XXXX XXXX inquiry was also reflected in my XXXX credit report and in my XXXX credit report. 

There was also a phone number ( area code XXXX ) in my credit reports that does not belong to me. 

I am in the process of disputing the hard inquiries with all 3 credit reporting agencies, I removed the unknown phone number from my account, and I placed credit freezes and fraud alerts on my accounts with all 3 credit report agencies.
Consumer complaint received 2023-01-24
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One is accusing me of having an account with them. I first started sending them debt validation letters starting XX/XX/XXXX. Capital One responded XX/XX/XXXX, stating that they " received a internet application from me, on XX/XX/XXXX and the last payment on the account was on XX/XX/XXXX for {$630.00} ''. I sent Capital One a proof of contract letter on XX/XX/XXXX. Capital One responded on XX/XX/XXXX stating that " unfortunately the do not have a copy, paper copy or signature copy of any account with them. Capital One is Accusing me of a debt that I never had and they do not have proof of contract that I even applied for the services. To add to my hard times Capital One Negatively affecting my credit reports and score. They have now sold the debt to XXXX XXXX XXXX XXXX XXXX ( PCA ) XXXX XXXX XXXX XXXX XXXX XXXX Harassing me for a debt of {$520.00}.
Consumer complaint received 2019-06-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

True Accord that goes by the name of LVNV Funding sent me an email trying to collect XXXX for XXXX XXXX XXXX. XXXX XXXX XXXX me a statement for XXXX asking for XXXX which I paid them by. XXXX XXXX XXXX sent me another statement for XXXX asking for XXXX I asked who owns this account. IF True accord owns this account I was not giving credit for the XXXX and XXXX XXXX has nor rights to the account. If XXXX XXXX owns this account than I do not want to be delinquent to them If both people are trying to collect this than that is conspiracy to defraud me
Consumer complaint received 2024-07-29
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. (NJ)

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. 
XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX 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 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 2023-11-07
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. (CA)

In accordance with the fair credit reporting account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-07-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. The reason for the inaccuracy is listed with each account. This is inaccurate and needs to be corrected immediately. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (KY)

There was a Victoria Secret card opened some years ago. I called Victoria Secret directly about the alleged amount of {$420.00} which XXXX XXXX is reporting. Victoria Secret stated that it is four three or four body sprays. If we do the math, their body sprays are always ( around ) 3 for {$25.00}! There is no way that it should be legal for a company to charge any one Almost {$400.00} in interest and fees! I have requested for the original contract, information on how this account was opened, and an itemized list of the fees associated to be mailed to me. This letter was sent via certified mail. I have the receipt and copy of the letter sent. I received a reply with none of the requested information that would legally validate the account and also break down these outrageous fees. Per my rights I am requesting that this account is deleted since the creditor has failed to validate as requested, and also due to the fact that it is also illegal to accrue so much interest for just {$25.00} ( give or take a little ). Account # XXXX Comenity Bank.
Consumer complaint received 2024-05-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: United Shore Financial Services, LLC (NE)

United wholesale mortgage is calling me repeatedly after I have asked to be removed from their list. they also claimed they received my information because " I was not getting the best help with my current broker '' which is an absolute lie. They hung up on me when I attempted to be transferred to make a complaint to their management. This has all happened on XX/XX/year>. I have received over XXXX calls from mortgage companies today after having my credit pulled for a new mortgage. This is completely insane.
Consumer complaint received 2024-07-05
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. (TN)

-- -- -- -- -- -- -- -- 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 informationisinaccurate.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters..
Consumer complaint received 2024-06-09
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. (NY)

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

XXXX XXXX XXXX Account number XXXX Here is the item I am asking you to verify as accurate.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (WI)

IN ACCORDANCE WITH THE FAIR REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS 15 U.SC181 SECTION 602. I HAVE THE RIGHTS TO PRIVACY 15 USC 1861SECTION 604A SECTION 2 CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCONT WITHOUT WRITTEN INSTRUCTION 15 USC 166B A CREDITOR MAY NOT TREAT A PAYMENT ON OPEN CREDIT CARD ACCOUNT AS LATEON CONSUMER CREDIT PLAN ON ANY PURPOSE
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this complaint against XXXX regarding the inaccuracies and unresolved issues in my credit report concerning my XXXX XXXX account. Despite my previous disputes, XXXX has failed to accurately update my payment history and account status. 
Account Details : Account Name : XXXX Financial Account Number : XXXX... 
Date Opened : XX/XX/XXXX Dispute Details : I received an extension from XXXX XXXX for payments for the months of XXXX and XX/XX/XXXX, which pushed my payments to XX/XX/XXXX. My next payment was due on XX/XX/XXXX. Despite this extension, XXXX continues to report late payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( which was paid on time ), negatively impacting my credit score. I have provided evidence of the extension to XXXX, but the errors have not been corrected. 
Account History : XX/XX/XXXX : Reported 60 days past due XX/XX/XXXX : Reported 30 days past due XX/XX/XXXX : Reported 30 days past due I have attached a screenshot of my XXXX report showing the incorrect information. I request the CFPB to assist in resolving this matter by ensuring XXXX accurately updates my payment history and removes the incorrect late payment entries. 
Attachments : Screenshot of the XXXX report XXXX XXXX XX/XX/XXXX Statement XXXX XXXX XX/XX/XXXX Statement XXXX XXXX Payment Extension Agreement Thank you for your assistance in this matter.
Consumer complaint received 2024-05-21
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 have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. 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 proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-05-21
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. (NJ)

According to FCRA 605B, any inaccurate accounts must be removed from my credit report. This particular account is being reported incorrectly, so please take it off my credit file. I am entitled to {$1000.00} for each erroneous report on my credit file.