davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
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)

The following screen shots show this fraudulent, neglecting scamming company procedures to stall and keep people 's scores low, look at all the disputes they lie and say you can view on line and NONE are available but you must call this none English speaking person who wants my whole social security number but can't do anything to help but once you say your recording they HANG UP, SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

This account is not mine and is fraudulent. I have submitted a complaint to the FTC, CFPB & my State Attorney General to have this account removed from my credit report ( identity theft report attached here ). The address they have on file is not my address and I never lived there. This account needs to be removed IMMEDIATELY. XXXX is not on any of my other credit reports as it is NOT MINE. please remove ASAP. 

Equifax and XXXX funding are in VIOLATION of 15 U.S. Code S 1681c-2. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no later than XXXX business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete this IMMEDIATELY.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I recently submitted disputes letters to XXXX, XXXX and Equifax.They said.Isound like a credit repair company.I sent those letters out personally. I'm not a credit repair company.I just want them to reinvestigate my accounts that I attach below to make sure the account on my credit reports.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, 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 XXXXXXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A, states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2024-01-17
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Transaction - Case # XXXX Dear Bank of America Customer Service, I hope this letter finds you well. I am writing to express my disagreement with the recent decision to deny my dispute regarding a specific charge on my credit card account. 
In your response, it was mentioned that XXXX on your account history, this charge is consistent with previous charges with this merchant. While I understand the importance of analyzing transaction history, I would like to bring to your attention that the particular charge in question was not authorized by me. 
I discovered that charge on my credit card statement that I did not authorize or recognize. After thorough investigation, it has become evident that this transaction was not initiated by me, and I believe my card information may have been compromised. 
The circumstances surrounding this transaction have raised significant concerns about the security of my credit card. I firmly believe that my card may have been used by someone without my consent, leading to this unauthorized charge. In light of this, I felt compelled to dispute the transaction and subsequently canceled my card to prevent any further unauthorized activity. This unauthorized transactions have caused significant financial strain, and I am eager to resolve this matter promptly. 
I am fully committed to cooperating with your investigation and providing any necessary information to clarify the nature of this dispute. The unauthorized use of my card poses a genuine security risk, and I believe it is crucial to address this matter promptly. 
I kindly request a thorough reconsideration of my dispute, taking into account the potential unauthorized access and the need to protect the security of my financial information. Your understanding and prompt attention to this matter are greatly appreciated. 
Thank you for your assistance.
Consumer complaint received 2024-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a initial disputed to Transunion asking them to reinvestigate the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  On XX/XX/year>, Transunion sent a letter stating that they were not going to reinvestigate the account, because it appeared that I was working with a credit repair company. I think this is a stall tactic. On XX/XX/year>, I sent Transunion a letter giving them 15 days to reinvestigate the items listed above, in accordance with 15 U.S.Code 1681i - Procedure in case of disputed accuracy ( a ) ( 1 ) ( A ) ( B ). Transunion has surpassed the 15 days, which is a violation of my rights.
Consumer complaint received 2023-04-21
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 (TX)

I have been disputing with capitial one and conmuucating with capitial one they wony grant me a goodwill adjusment.

They say they report indsr the fsir credit report act but yet there is still innacurate information..

I requested capital one to send me a full investagation om what theu found but theu cant And according to FRCA 623 ( a ) ( 8 ) E and 16 CFT 660.4 they have to provide me what I asked for or delete from my credit report I do have phone recording of people from capitial one excutive team telling me they have a disoute team that handle duspute but we cant talk to them which vilotes my consumer laws
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: M&T BANK CORPORATION (PA)

On XX/XX/ I had an appointment in branch with M & T bank. I decided not to proceed with opening an account and cancelled the appointment. To my surprise, M & T bank ran a inquiry on my XXXX report on XX/XX/ without my permission
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma (OK)

I keep getting emails & notifications saying my credit score increased yet it never reflects on my credit report. Credit Karma seems to be involved in fraud and lying to consumers. Their business practices are shady and they dont ever respond
Consumer complaint received 2024-01-17
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: Fidelity National Information Services, Inc. (FNIS) (NC)

I have requested proof of any documents that support the accounts that they are reporting on my reporting with my signature on it. They are still not cooperating.I have no other choice than to take legal actions against them which means a judge will request the documents. 
They're in violation of FCRA 15 USC 1681g. I NEED ALL DOCUMENTS WITH MY SIGNATURE AND ANYTHING THAT REFLECTS MY CURRENT ADDRESS AND SSN. I already send them a copy of my SSN CARD AND PROOF OF ADDRESS. 
Then they wrote me saying they still need the documents which they already have.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX  XXXX of Inquiry XX/XX/2022 & XXXX XXXX  Date of Inquiry XX/XX/2022.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company-without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 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 delete these fraudulent accounts ASAP.
Consumer complaint received 2023-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (OH)

Long and short of it, XXXX XXXX, owned by a company known as Mr. Cooper, has deducted a {$1000.00} escrow payment we made to our previous servicer, XXXX XXXX XXXX, from a {$2500.00} Escrow Balance that transferred when XXXX XXXX acquired our loan. Full documentation of all transactions is provided in the attached files. Question is, where did the {$1000.00} go? A question that's yet to be answered.
Consumer complaint received 2022-12-08
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (AZ)

Credence debt collection agency has been contacting me non stop regarding an debt in the amount of {$55.00} allegedly owed to XXXX. I have informed Credence on numerous occasions that I do not owe the debt. When I requested that my service with XXXX be disconnected, my account was paid in full. In fact, XXXX refunded me the amount that I had overpaid. I have requested that Credence provide me with proof of the debt however they have failed to do so. Instead of providing me with proof of the debt, they mailed me a letter stating that they ( Credence ) had verified the debt. I also requested that they provide me with information about their firm including their license number and whether they have a license in Arizona. They have failed to respond to my requests/inquiries yet they countinue to hound me. I am tired of them badgering me regarding a debt that I do not owe.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This complaint is to follow up on my previous complaint. The items that I am disputing are misleading and must be investigated. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The addresses listed above are not my home address The accounts are inaccurate and fraudulent. Im seeking Litigation. 
The inquiries are unauthorized and fraudulent. 
Please delete them at once.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I want this late payment deleted from my accounts within 15 days, this is not mine, I'm not aware of this. Under 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. Please update. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-07
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. (NC)

On XX/XX/year>, I had called XXXX to speak with a supervisor about the inaccuracies and every representative hung up on me after they told me to hold on for a supervisor. On XX/XX/year>, at XXXX XXXX, I sent a certified letter to XXXX asking for documentation on the inaccuracy of my credit report. I demanded that the accounts be verified or deleted immediately and they refused to do so. I had recently pulled my credit report and saw that things were being reported inaccurately. I did not provide written consent or instructions for the identified transactions to be reported on my consumer report. They have also reported negatively on my credit report while these documents were suppose to be verified or deleted. An account that was specifically in question was XXXX, which was the account that I sent separate documentation to as well, asking the same things. They had failed to provide to me as well in the XXXX  day time frame that I had sent documentation. ( sent paperwork XX/XX/year> at XXXX XXXX. ) XX/XX/year>, XXXX, excuse me if I spelled it wrong, XXXX XXXX, called and said that she was someone on a business matter calling, and stated that {$3400.00} was due and in collections. ( XXXX ). To my knowledge, nothing was suppose to be in collections and they harassed me prior to this with threatening phone calls, as I have stated in last claim. XX/XX/year>, I spoke with a representative who told me I owed an amount. I asked her if I could get a copy stating what I owe or the contract but she advised me that she didn't have that info and gave me a number to call and hung up on me. I can't owe a debt to something/someone who doesn't have that information. I have also sent violation letters about them not having the written consent to report and sending letters to my home. This has violated me and has hurt my report tremendously. XXXX is in violation of 15 US Code 1681b, 15 US Code 1692d, 15 US Code 1692e, 15 US Code 1692f, 15 US Code 1692g, 15 US Code 1692j. am seeking {$1000.00} for each violation, as allowed under 15 US Code 1692k- civil liability, for the damage caused to my character. XXXX  has also violated those same codes along with 15 US Code 1692 ( f ) ( 8 ), 15 US Code 1692 ( d ) ( 2 ), 15 US Code 1692 ( e ) ( 2 ) ( A ), 15 US Code 1692 ( f ) ( 7 ), 15 US Code 1692 ( f ) ( 6 ) ( a ), and violation of 15 US Code 1692 ( f ) ( 6 ) ( b ). XXXX  has sent to different letters to me with different addresses stating and amount owed. I have also sent letters to them about this as well. I had received an email from CFPB stating that more time was needed for a response back but XXXX and XXXX have reported on the account in that time frame.
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CO)

XX/XX/XXXX Attn : Citibank Lending Services I requested a credit line increase for my account ending in XXXX and in a letter dated XX/XX/XXXX, I got notified that I was denied this request. Regardless of the reason for being denied, I have the right to credit, and denying me access to my credit is discrimination. Withholding my access to my securities is security fraud. You are violating the Federal Equal Credit Opportunity Act and Consumer Protection Credit Act. 

I have tried for days to look for an email address or mailing address to send this complaint to with Citibank. I contacted their customer service and they told me, if you were declined a credit increase, we would not have any access to help you by phone, in email, in writing, or in person. So, Citibank cant help with this? Thats why I am coming directly to the CFPB. 

Let me remind everyone involved of Citibanks lawsuit last Fall for discrimination. Obviously, this is a recurrent theme with Citibank.
Consumer complaint received 2024-01-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (NY)

I hope this letter finds you well. I am writing to bring to your attention an issue regarding the late payments that appear on my credit report. After reviewing my credit report, I have identified several instances of late payments that I believe are inaccurate. 
I understand the importance of maintaining accurate and up-to-date credit information, and I am committed to ensuring the correctness of my credit history. I kindly request your assistance in investigating and correcting these discrepancies as soon as possible. 
COMENITY BANK/EXPRESS XXXX and COMENITYCB/XXXX XXXX I believe that these inaccuracies are impacting my credit score negatively, and I would like to request the removal or correction of the late payment information associated with the mentioned accounts. I have attached supporting documents, including payment receipts and statements, to substantiate my claim. 
Please provide me with written confirmation once the investigation is complete and the necessary corrections have been made to my credit report. I also request that you send an updated copy of my credit report reflecting the corrections to the address listed above.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disputed through XXXX and XXXX, they both took less than a week to come back and say it is correct, even though I have sent information that it isn't correct. I have reached out to the original creditor who told me they sent the correct information and it's up to the credit bureaus to report it correctly!
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NE)

My student loans were transferred from XXXX XXXX to XXXX and they dumped my credit score by XXXX points. They did not suppress my credit score. These loans were satisfactory. Nobody will resolve the issue. XXXX points will take me until I am dead to resolve. Can not resolve via phone. Nobody answers. Nobody responds to email disputes either. This is not my fault. How am I supposed to buy a car or rent or pay utilities after they dumped my score?
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have reviewed a recent credit report with many inaccuracies regarding my inquires, I have already been a victim of identity theft in the past I believe someone else used by information fraudulently to try to gain access, due to the amount of inquiries reporting to XXXX, transition, & XXXX it has taken a big hit on my credit which is negatively affecting me here are all of the following inquires with dates that were done without my consent. 
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
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

At approximately XXXX CST, I, XXXX XXXX XXXX XXXX XXXX, received a message from XXXX stating that my account was locked and that I was unusual. When, I, XXXX XXXX XXXX, XXXX, called XXXX, XXXX decided to jeer at me, XXXX XXXX XXXX, XXXX, making XXXX noises on the phone at me, XXXX XXXX XXXX, XXXX, verbally and physically XXXX XXXX. 

This initial incident happened on XXXX. Today XXXX I called Chase Private Client Checking to file a formal complaint. The XXXX XXXX and pulled the fire alarm. The XXXX then hung up the phone on me, XXXX XXXX XXXX, XXXX! 

I feel XXXX as I have the right to keep my account along with the right to be free from a XXXX XXXX
Consumer complaint received 2024-04-07
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. (MA)

Since 2004 I have been a victim of Identity Theft in which I have already reported more than XXXX times to the police. I have notified the XXXX, XXXX XXXX, XXXX XXXX, XXXX and the Three Credit Agencies. The problem is that the Credit Agencies, knowing the problem I have with my identity, continue to allow individuals to obtain loans and credit cards in my name.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (FL)

Company did not remove the accounts. 
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