davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Today, XX/XX/year>, I tried to lock my Experian credit report/file online. But when I selected the option to lock my account I received the following message " Your Experian credit file is unlocked ''. There was a button underneath the statement that said " Upgrade to unlock your file ''. This means I would have to pay to lock my file which I won't due because by law they are supposed to lock my file for free.

when I called Experian Customer service to complain and ask about the problem, I only spoke to a chatbot. I asked the chatbot to speak to a representative but it told me that it's only allowed to put me through to a " Specialist '' under certain circumstances but it wouldn't tell me what the circumstances are! I spent more than half an hour trying to get through to a REAL person but was unsuccessful.
Consumer complaint received 2023-11-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (PA)

I opened up a bank account a checking account with Citibank. I received a debit card and all is going well. Even set up direct deposit I had over {$2000.00} in my account now Im down to {$300.00} after I receive the direct deposit from my work And their direct deposit went through. My account was closed without my authorization or knowledge and was told that I had to wait XXXX to XXXX business days to receive my funds now every time that I tried to contact them to transfer my phones into a new account or get an update. I am either hung up on Transferred ignored and lied to Since this occurrence, I am not able to open up in a bank account with any other bank because of this I have no money to eat provide my father with rent because of this I have no money for gas to get to work because of this Also, I am not able to log onto my account via app desktop because I dont have my account number. I was never given checks I am unable to see my account number only the last four numbers from it
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

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

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

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2015-04-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Goldberg & Peretti, LLC (KY)

Goldberg and Peretti have called my in laws multiple times this week stating that they were a law firm and that they were trying to contact me in regard to pending litigation they were about to file. After calling and requesting documentation of this alleged debt they refused to provide any documentation or any further information on the debt. They said they had attempted to serve me with a lawsuit but had been unsuccessful. Said they would have a supervisor call me back. I gave them my cell phone to call back and instructed them not to contact my inlaws further. They have called 6 times in 3 days to my in laws. Will not answer my calls and have not attempted to call me back directly. Threatening, misrepresenting themselves as a law firm, repeated calling and refusing to provide any documentation or information. these people are obviously agressively attempting to rip off a lot of people based on the all complaints I 've read so far. Please instruct them to cease and desist any and all further contact.
Consumer complaint received 2023-12-27
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. (IL)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX, Experian, & XXXX are reporting a bankruptcy on my consumer report that is not accurate they claim they verified the information but how did they verify it and XXXX stated that the information was incorrect and the removed. So I would like to know how did the credit bureaus verify the information?
Consumer complaint received 2023-08-08
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. (GA)

Experian has the obligation to report accurate information on consumers. They have assumed the role! I have been repeatedly affected by the the unfair reporting of Experian. They are reporting information that is impacting my life substantially. Constantly being denied credit and opportunities to give my child a stable home. Every time I dispute I get the same email word for word about my dispute. They are using XXXX  to send automated disputes without verifying any of the information which leads to inaccurate information about me on my consumer report. They are reporting a negative account and address which does not belong to me. Reporting that information is a security risk for whomever it belongs to. I have sent multiple disputes via mail that included my FTC identity theft report. The FTC is law enforcement agency that prosecutes individuals who make false claims. I have not made this report based off misrepresentation of fact by me. They have said multiple times the FTC is not law enforcement agency in the responses that weren't sent to me from Experian. 


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

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA, XXXX 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 2024-04-21
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: EQUIFAX, INC. (CA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 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 2023-05-13
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: Westlake Services, LLC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Westlake Financial Services $ XXXX XXXX ), ( XXXX XXXX {$690.00} ), ( Hard inquires ) has violated several of my rights. 
15 U.S.C 1681 Section 602 A. Clearly states that 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 finish an account without my written instructions.

15 U.S.C 1666B : A creditor May not treat a payment on a credit card account under an open- end consumer credit plan as late for any purpose. 

Remove these late payments and hard inquiries and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-09-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I was approved for a modification, I went through the trial period, paid accordingly for XXXX then in XXXX I attempted to make my payment by the same method and was not able to. During this time I concurrently applied for a GA  Homeowners Asstance Funds Application per my Servicer. 

I later learned 45 days into the process that this program is subject of an investigation due to some fraudulent activities within the project itself. 

I received conflicting information from several relationship managers on which avenue would be most beneficial in correcting my default due to covid and the subsequent forbearance exercises. 

I have sent in many documents proving my income, proving my SS. When the forbearance period ended I made all payments up to date until XXXX, until I was informed I could not make any further payment and that my account was refered to a lawyer. 

When checking my documents I could call on a Friday and then on Several Days Later, I am asked for more documents. It was under lots of stress, so I reached out to my Congressman on NC and GA. 

In addition to the aforementioned, during the years of XXXX  to present, my daughter was battling a very serious bought of XXXX XXXX, and at that time she was undergoing XXXX and subsequebtly preparing for XXXX for removal of a XXXX XXXX. 

I did my best to manage all of the issues I was goung through during those years. 


Concurrently, I also have a brother that is a XXXX XXXX, and was battling a reccurance and also dealing with a XXXX XXXX XXXX that left him XXXX partially, and unable to perform duties as he did before the onset of the XXXX XXXX. 

A relationship managers has asked if I can catch up with my payments, in which I stated yes am able and have been prepared for this. 

I was traveling back and forth between my brothers home of XXXX XXXX and my residence in XXXX to ensure that both of my family members were getting proper care.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Fraud Alert on credit report since XX/XX/2023 while trying to look for a new apartment on Transunion could not remove and would not explain since I disputed all incorrect addresses, names and other misinformation I could not get into my Transunion account to unfreeze credit report I called and was told to wait 24 hours and call back when I called back they did something and I was eventually let into the account after verifying information after one agent told me there was no information to verify taking even more days to get help. The Fraud alert shows up and so does information form tenant screening when I have no evictions on my public record I have disputed this many times with Transunion and XXXX XXXX XXXX with no help I asked for a debt validation letter with signatures from all parties involved and they refused to cooperate only being hostile and rude saying they will not send me anything.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My student loans were paid off/down from about {$43000.00} to {$1200.00} XXXX XXXX XXXX I have a letter stating the new balance and that one of my loans was paid in full. I have contact XXXX multiple times, disputed with the credit reporting agencies, and called that this balance is showing inaccurate on my credit report. This is hindering me from moving forward with a few aspects of my life because of my debt to income ratio. Removing this {$43000.00} from my debt will help me tremendously. I have went through all avenues that I know how. I hope this can assist me. All I want if for my correct balance to be reflected on my credit report.
Consumer complaint received 2024-09-13
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. (MD)

I was reviewing my consumer report recently and I discovered that there XXXX accounts reported that I did not give permissible purpose, 15 USC 1681b. The information that is reported has and is adversely affecting my character, creditworthiness, reputation, and mode of living. As a consumer, described under 15 USC 1692a ( 3 ), this is a clear violation of several federal laws including the FCRA, FDCPA, the GLBA, and Title 18 under Identity Theft. 15 USC 6801 & 6802, emphasizes the importance of securing non-public personal information and the agencies knowingly and willfully possessed and transferred this means of identification without authorization, which is a clear indication of 18 USC 1028 Therefore, I kindly demand a block of all the accounts, per 15 USC 1681c-2 ( a ). Accounts : XXXX XXXX - {$1500.00}, XXXX XXXX XXXX XXXX XXXX {$1100.00}, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX - {$1000.00}, XXXX XXXX XXXX XXXX {$540.00}, Hard Inquiries : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX,
Consumer complaint received 2023-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/2019, I was invited to attend a presentation for a XXXX XXXX XXXX  I was told the presentation would last 1.5 hours, my family was kept there for 4.5 hours. 
The representative for XXXX XXXX convinced us to join their organization. They promised my children a trip to XXXX, us a trip to XXXX, a gift card to a restaurant and we we would be under no obligation and could cancel at anytime. We told the floor supervisor that we would not qualify for this we had too much debt. 

The floor manger took both our licenses and told us she would try to get us approved for for financing and left us in the lobby. She came back and told us, that my husband was approved for {$10000.00} and I was approved for {$6000.00}. We never applied for the credit cards, it was all done by someone there. We were in another room and had no input. I was not informed of the credit terms and did not know they had applied for credit with XXXX and affiliate of XXXX XXXX XXXX. XXXX XXXX lines is one of the stakeholders being sold in the package they offered us. At the end of the presentation when they ushered us into a room to sign a stack of 55 pages. During this time the closing agent XXXX XXXX was talking up the company and talking a mile a minute distracting us. However both my husband and I repeatedly asked him if we could cancel at any time, and we were assured that yes we could. We were given this assurance by the sales agent XXXX, the floor supervisor, and the closing agent. I wanted time to review the documents. All these people lied to us. 

When I tried to cancel 2 weeks later I was told that I could cancel the contract but would be held liable for the credit card expense. When I spoke with the credit card company that told me that if we did not pay our credit would be ruined. We began making payments while trying to get the contract cancelled. We had an attorney send a letter out to XXXX XXXX and they did not respond to us. I called and wrote to the director and a gentleman by the name of XXXX XXXX with no clear response. 

When COVID -19 impacted the world the credit card company raised the monthly payments. We could no longer make the payments for a product we did not receive. In reading the documents later I found out if I miss a payment for renewal, they have the right to void the membership. Even though XXXX XXXX collected {$160000.00}. We are currently being sued for a debt we did not willing and lawfully apply for, we have not received any good or services to date, one of the gifts promised had ever been received. As a consumer I need to find a legal resolution to this issue. 

Please help me find resolution to this issue.
Consumer complaint received 2023-09-26
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC (WA)

I was emailed and told by rocket mortgage that I needed XXXX to make a deal work. We sold a tractor to make the XXXX and were told its not enough and we could work a deal do now I have derogatory information on my credit from a pull, Im out a tractor that otherwise would have sold for XXXX more and they dont even have the feeling to say sorry they lied.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 : ACCOUNT NUMBER XXXX, XXXX XXXX XXXX : ACCOUNT NUMBER 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 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 2023-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX XXXX XXXX I closed my previous business account. At this time with XXXX XXXX  I had a revolving credit line of {$26000.00}. As someone who has relied on automatic payments for over a decade, this one slipped through the cracks. Apparently for two months XXXX charged me late fees and returned payment fees. This affected my credit score by about XXXX points. Ive always had excellent credit score. It was not my intention nor willingness, but quite frankly XXXX not sending me any regular usps mail notifications of this. Instead, they lowered my credit to {$500.00} in XXXX and XXXX. 

When I realized that I had not updated my bank information for them to receive the automatic payments I called them and they investigated. Since Ive been a loyal customer for many years they reinstated my credit limit to {$26000.00} in XXXX. 

Summer is a very busy month for my Business and unfortunately due to an error which was caused by my assistant who did not keep me posted, I suggested immense credit loss. 


XXXX said theyd report to the agency so I can get my credit score repaired but we are in XXXX XXXX  and still at a fair rating. 

I expected XXXX to take a more proactive approach but now I realize I must File this complaint. 

Thank you in advance for helping me.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the company thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 

XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This business loan is a XXXXXXXX XXXX XXXX which the company, XXXX XXXX, I managed was lured into over 6 years ago. The company has made payment to XXXXXXXX XXXX. XXXX XXXX  have charged ridiculous fees in interests. XXXX XXXX XXXX is a corporate loan that is now reported on my personal credit report. I do feel that is a gross above of XXXX XXXX XXXX 's right. 

I want the negative report on my credit report to be deleted immediately.
Consumer complaint received 2023-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The information is incorrect 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 ( INQUIRY ) I DONT RECOGNIZE