davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-28
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 act, this creditor 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 a 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 any purpose. 

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXXXXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.
Consumer complaint received 2023-12-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Credit Karma (FL)

On XX/XX/XXXX my money disappeared from my account i callled credit karma to see what was going on and they told me to file a dispute wait on the right department to email me with there resolution. As days went by i waited and called everyday. None of the representatives have helped me they only get my information make me wait on the phone for over 30 minutes until they tell me to just wait for an email. I asked can they tell me how did this happened they only tell me the right department will contact me. I expressed how I recently got put out my home and they still told me its nothing they can do but to escalate. Ive called over XXXX times and was told the sake thing. XXXX is next week and i still have yet to hear anything.
Consumer complaint received 2020-01-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (WA)

With XXXX XXXX/AES I have been told that I eligible for several different forebearance and in school deferment options, and when I check back I am being told I am not eligible for anything because I am past my grace period. I am not even eligible for lower payment and as I have applied for other things I have been told I am eligible for and have been turned down ... I am behind over XXXX. I have been in touch with many different representatives who have told me different things and today I was just told I am not eligible for anything. This is very frustrating and I need help trying to work out a affordable flexible repayment plan.
Consumer complaint received 2023-06-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC (CA)

Hello. I called Global Lending Services to make an arrangement to pay my car note. My XXXX  had lost his job and weve been struggling. However, I said I can pay one payment of XXXX on the last day of the month. That would be XX/XX/XXXX. I wake up, pay the note at XXXXXXXX XXXX pst. This company comes and repoed my vehicle at XXXX XXXX. Now they are giving me the run around telling me it was rightful and justified and theyre quoting me the east coast time. I am on the west coast. Please help! This is fraud.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

I have sent numerous letters to the XXXX credit bureaus asking them to update my personal information such as my name, address and employment history. The XXXX credit bureaus have not updated my personal information. 


I have attached a copy of my driver license and current utility bill which reflects my current address as proof of identity.
Consumer complaint received 2024-04-28
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. (NC)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2023-12-18
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: PNC Bank N.A. (NY)

XX/XX/, I had a vehicle stolen that was financed through PNC Bank. They accepted fraudulent funds from a 3rd party and send me the owner the lien release for the vehicle. PNC Bank took blame and worked with my insurance company to pay it off in full. PNC Bank still hit my credit for missed payments that a vehicle wasnt paid for 3 months that was paid off. So I contacted the CFPB in XX/XX/. They reached out to PNC Bank and the bank told them it was handed and case was closed. Here we are 2 years later and its still on my credit report.
Consumer complaint received 2023-12-18
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. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-09
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I bought a Amex gift card for my daughter for XXXX. We tried to make a XXXX purchase it declined payment. I checked the balance she had more than enough. Her balance was {$50.00} her total was {$8.00}. I was told it gets blocke by XXXX try another merchant. I tried XXXX and it was declined. I swiped at XXXX  it was declined. When call customer service Im told it has a balance and its the merchant. Call the merchant and they advise Amex is not letting the card go through.
Consumer complaint received 2023-03-23
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. (OR)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-04-28
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. (CA)

In accordance with the fair credit reporting act, this creditor 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 a 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 any purpose. 

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.
Consumer complaint received 2023-02-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION ()

On XXXX XX/XX/XXXX I have initiated two international transfers at your branch in XXXX, GA, in person. The transfers have never been executed, the bank responded to an earlier complaint on the same issue with : * Allegedly they tried to contact me for more information. I have never received such a call. 
* That I should just try and transfer again, using the transfer PIN issued to be. 

Whilst it is correct that I have also requested a transfer PIN, allowing me to perform transfers, this PIN only arrived XXXX XXXX XXXX, and when I tried to first use it early in XXXX, it was no longer valid, according to the help desk, due to the merger between Suntrust and another bank, resulting in Truist XXXX 

I was informed by the helpdesk that I should contact the branch, which does not have to be in person, to have a new, valid PIN issued. I have sent several emails to the branch manager, however I have received no response. 

I have since tried to have a cheque issued and sent to me, unfortunately your internet banking solution does not allow a bank cheque being sent to a non-US address. My bank in XXXX has confirmed that they can honour such a check. 

This leaves me in a position where I still can not transfer money, unless I travel to a branch again. I am XXXX XXXX, residing in XXXX XXXX.
Consumer complaint received 2024-09-17
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)

I, XXXX XXXX, am a victim of identity theft and I recently discovered various fraudulent accounts on my credit files. I discovered several unauthorized credit card accounts, an auto lease and a mobile phone account that I also did not open. I quickly filed multiple police reports with DC  XXXX Police and XXXX XXXX XXXX Police Department. I also signed and notarized a FTC Identity Theft Affidavit stating that I did not open these accounts, authorize the transactions, or engage in any activity related to them. I submitted all relevant documentation and identification with Experian, XXXX, and XXXX requesting the fraudulent accounts to be blocked from my credit file pursuant to FCRA 605B. Although some of the unauthorized accounts were removed there were several fraudulent accounts that remained on my credit reports. That included a fraudulent credit card account opened by XXXX XXXX XXXX XXXX ; an unauthorized auto lease with XXXX XXXX  and a mobile phone account with XXXX. There was no explanation on how these accounts were verified and remained my credit files.
Consumer complaint received 2024-04-28
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 act, this creditor 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 a 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 any purpose. 

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXXXXXX XXXX XXXXXXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.
Consumer complaint received 2024-09-18
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. (FL)

I, recently reviewed my credit report and noticed a child support account from XXXX  is infecting my credit score and keeping me from getting credit cards a house and loans and everything else, this account is really affecting my life, keeping me from supporting my family. Under U.S. Code 1681s-1 Notwithstanding any other provision of this subchapter, a consumer reporting agency shall include in any consumer report furnished by the agency in accordance with section 1681b of this title, any information on the failure of the consumer to pay overdue support which ( 1 ) is provided- ( A ) to the consumer reporting agency by a State or local child support enforcement agency ; or ( B ) to the consumer reporting acency by any local, State, or Federal Government agency ; and ( 2 ) antedates the report by 7 years or less.please remove the following items from my credit report, immediately Account Name : XXXX XXXX XXXX
Consumer complaint received 2023-12-18
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. (AL)

Hello, From XXXX of XXXX, I filed a dispute with XXXX, Experian and XXXX Credit reporting agencies about the Charge-off account of XXXX XXXX XXXXXXXX because the high balances are completely different. In these months I have tried multiple attempts for correction or deletion of this account with these credit reporting agencies. The Fair Credit Reporting Act states that they must report accurate and consistent info on my credit report or delete it from my credit report and they have not and continue to.Report on my consumer credit report. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from these credit reporting companies as of today. Thank you
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

This complaint is for XXXX, XXXX and EQUIFAX it has come to my attention that your agencies are in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681e ( b ) for accepting and reporting false, poor, inaccurate, and misleading information regarding more than 20 180-day late payment notations reporting subsequently each passing month. Under the FCRA, consumer reporting agencies such as XXXX, EQUIFAX, and XXXX are obligated to uphold maximum accuracy in the reports they furnish. Accepting and disseminating such inaccurate information without raising questions or conducting a thorough investigation is a clear violation of your responsibility to ensure the accuracy and integrity of the reports. Pursuant to 15 USC 1681i ( a ) of the FCRA, I am hereby requesting that your agencies commence a thorough reinvestigation regarding the account with XXXX XXXX within 30 days.
Consumer complaint received 2023-12-18
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)

I am not liable for these debts. In accordance with the FCRA, the list of accounts below has violated my federally protected consumer right to privacy and confidentiality un 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violate my rights. 

*15 USC 1681 section 602 A. States I have the right to privacy.

*15 USC 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without any written instructions.

*15 USC 1681c. ( a ) ( 5 ). 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 USC 1681s-2 ( A ) (! ). States 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. 

Please remove these adversely accounts which is injurious to my credit rating. I can't obtain credit and it's costing me thousands of dollars.
Consumer complaint received 2024-07-26
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. (GA)

In accordance to the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 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.

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, 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 may not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe the information is inaccurate.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This complaint is for XXXX, TRANSUNION and XXXX it has come to my attention that your agencies are in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681e ( b ) for accepting and reporting false, poor, inaccurate, and misleading information regarding more than 20 180-day late payment notations reporting subsequently each passing month. Under the FCRA, consumer reporting agencies such as XXXX, XXXX, and TRANSUNION are obligated to uphold maximum accuracy in the reports they furnish. Accepting and disseminating such inaccurate information without raising questions or conducting a thorough investigation is a clear violation of your responsibility to ensure the accuracy and integrity of the reports. Pursuant to 15 USC 1681i ( a ) of the FCRA, I am hereby requesting that your agencies commence a thorough reinvestigation regarding the account with XXXX  XXXX  within 30 days.
Consumer complaint received 2023-12-18
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. (IL)

I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2023-12-18
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-18
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. (TX)

I filed complaints about false information appearing on my credit report with XXXX, XXXX, and Experian. I informed them of the infractions they were committing on my consumer report and provided a list of the accounts. They haven't responded in more than sixty days. Copies of every letter sent are attached below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this col
lection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-12-18
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)

It is of highly importance that you are aware and f XXXX accounts that were open on my good name. I dont know who this accounts belong to Im not liable for them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Consumer complaint received 2023-12-04
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. (GA)

I have two unauthorized credit pulls for a VA loan on XX/XX/XXXX and XX/XX/XXXX. I was looking at homes online and ended up getting a hard credit pull for a pre approval when I was trying to ask questions about a home.