davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (TX)

US Bank-Relia CardOn XXXX XXXX, I made a card to bank transfer. Ive called multiple times to have this issue investigated. Each time they said they would open an investigation, and did not do so. On Tuesday, XXXX XXXX, a rep finally opened up an investigation. When I called in today, I was given a trace number and told by the rep, that was all he could do. Then I requested a supervisor, XXXX came on the line. He was very rude, over talked me, and then sati made a transfer to the wrong account. After this, he stated that he could see where money had actually been transferred to the account in question. XXXX stated he could not give me information over the phone and suggested I call my bank. After calling my bank, for the third time and giving them the trace number, they still had no information regarding the transfer in question. When I called again to Relia Card, I was told by XXXX, from card holder services that I had to call US Bank. The rep from US Bank, stated the they lent their name to Relia Card and do not have any information about my card, and I do not have an account with them. Upon calling Relia Card again, the rep was rude and gave me the trace number again to call my bank, stating nothing else could be done by Relia Card. Im still {$2000.00}, the amount of the transfer, and they are refusing to provide any additional assistance. No investigation has taken place. This is very frustrating. This is my unemployment compensation and I need it. Hopefully, you can assist me with this.
Consumer complaint received 2023-08-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Resolution for Late Payments : This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. 

I demand the late payments to be removed off of these accounts from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

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, 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 2021-06-19
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: National Credit Systems,Inc. (NH)

I owned and lived in my own home for 27 years. I have never heard of this company. After the shock of seeing this on my reporter, I tracked down this company and learned it is notorious for filing false credit claims and then shaking down the victim for money to remove it. What a sore lack of integrity on the credit bureaus for allowing such a corrupt and transparent scheme. This company has has apparently been the subject of multiple lawsuits and have included links below to some of the sundry of complaints against them that date back several years. This is an absolute egregious violation of the FCRA and it's outrageous. I demand this claim immediately be removed and that this complaint along with its attachments is immediately posted in this matter. XXXX removed it ( I think ). XXXX claims they verified it. There's absolutely no way this account/claim could have been verified! It's false. I have not applied for any credit for several years.
Consumer complaint received 2021-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

To whom it may concern, I would like to file a formal complaint against Equifax for the following reasons. I'm providing my XXXX XXXX information that was submitted to defend against constantly delayed data updates and proper reflection that I'm a highly credit worthy citizen. NOTE : I have a perfect payment history, not one day late on paying anything. 

1. Equifax has consistently been reporting 30-50 points below XXXX and XXXX for no justifiable reason. 

2. Equifax has been significantly lowering my score for small increases and refusing to re-adjust after major decreases, lowered balances and paying offs. 

( -20 ) XX/XX/XXXX - for a XXXX loan I paid off in full ( -9 ) XX/XX/XXXX - for decreasing a balance {$180.00} ( -51 ) XX/XX/XXXX - for a new card I opened that is now below 35 % ( -16 ) XX/XX/XXXX For a {$1900.00} balance increased that is now paid down well below 35 % ( -22 ) XX/XX/XXXX for a XXXX XXXX card I opened which is now paid down over 35 % ( -12 ) XX/XX/XXXX For paying off XXXX XXXX loan of XXXX ( -46 ) for credit utilization which are now all below 30 % -50 % lowered. 

( -5 ) XX/XX/XXXX for decreasing a balance {$72.00} ( -21 ) for XXXX balance that increased by {$140.00}. XXXX payments are never missed 3. Equifax is projecting that I'm not credit worthy and interfering with my ability to lease my XXXX that I've waited 6 months to be receive. I will lose this car if you don't properly report data, my credit worthiness and score. 

TIME SENSITIVE : Their reporting is ruining my lease with XXXX XXXX and is going to keep me from picking up a car I've been waiting for, for over 6 months. This is feels like Torturous Intrusion against my right to credit and to live.
Consumer complaint received 2017-11-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

XXXX XXXX SOLD MY LOANS TO NAVIENT LOAN COMPANY. NAVIENT HAS REFUSED TO HELP ME LOWER MY PAYMENTS, PUSHED ME INTO COMMITTING TO LONGER LOAN PAYMENT OPTIONS WHICH HAS INCREASED MY INTEREST ON MY ORIGINAL LOAN AMOUNT. I HAVE HAD ISSUES, ONE SPECIFIC INCIDENT ON XX/XX/2017 AT XXXX IN WHICH I ASKED TO SPEAK TO AN ACCOUNT MANAGER AND THE INDIVIDUAL ON THE PHONE DID NOT LET ME AND PROCEEDED TO DENY MY ATTEMPT TO DECREASE MY MONTHLY PAYMENT DUE TO RECENT FINANCIAL CHANGES. I HAVE BEEN DENIED THE RIGHT TO SPEAK WITH A SUPERVISOR ON MORE THAN ONE OCCASION AND AT THIS POINT THE COMPANY IS UNWILLING TO LET ME SUBMIT A NEW REQUEST FOR INCOME DRIVEN PAYMENT PLANS. TWO SEPARATE MONTHS THE COMPANY HAS NOT TAKEN OUT MY PAYMENT, WHICH I HAD SET UP FOR AUTOMATIC WITHDRAW AND FAULTED ME FOR THEIR MISTAKE. I SPECIFICALLY REQUESTED FOR PAYMENTS TO BE TAKEN OUT AT THE END OF THE MONTH EVERY MONTH.
Consumer complaint received 2023-05-17
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: Bread Financial Holdings, Inc. (MI)

I have reached out to Comenity Capital Bank, XXXX, XXXX, and XXXX about fraudulent accounts that does not belong to me, I have contacted them multiple times. And they have yet to remove these items from my credit report. I have file a report with the police agency and FTC. All the accounts that needs to be removed are as follows COMENITY CAPITAL BANK/BIG LOTS CREDIT CARD XXXX XX/XX/XXXX {$1800.00}, COMENITY CAPITAL BANK/OVER XXXX XX/XX/XXXX {$860.00}, XXXX, XXXX XXXX XX/XX/XXXX {$290.00}, XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$140.00}
Consumer complaint received 2021-03-12
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. (UT)

I turned XXXX in XXXX of XXXX. I realized that there were three delinquent accounts on my credit dating back to when I was XXXX years old. I submitted my birth certificate and drivers license to XXXX and TransUnion and they refuse to investigate and remove the items from my credit report. What XXXX and TransUnion is doing is criminal as it is impacting my college applications and my credit report and scoreXXXX XXXX immediately removed the items once I proved my age with the same documentation provided to XXXX and TransUnion.
Consumer complaint received 2023-05-17
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. (NC)

I write to you today with a heart heavy with disappointment, as I find myself entangled in a web of outdated and fraudulent information on my credit report. The credit bureaus, entrusted with the responsibility of safeguarding the integrity of financial data, have failed in their duty, leaving me to suffer the consequences of their negligence. Despite my many repeated requests for the removal of this misinformation, the credit bureaus have turned a blind eye to my pleas. They have ignored my rightful demands for accuracy, allowing erroneous data to persist on my credit report, casting doubt on my financial standing, and impeding my access to fair opportunities. This outdated and fraudulent information has far-reaching consequences. It tarnishes my reputation, hindering my ability to secure loans, obtain favorable interest rates, or even pursue certain employment opportunities. The credit bureaus ' indifference to my plight demonstrates a disregard for the well-being of hardworking individuals like me. I implore you to rectify this grave injustice promptly. Remove the outdated and fraudulent entries from my credit report, restoring the accuracy and integrity that should be the hallmark of your institution. Failure to address this matter will only further erode the trust and confidence that the public places in your services.
Consumer complaint received 2021-03-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (DE)

On XX/XX/2021 I submitted a letter to the credit bureau disputing items that were inaccurate or did not look familiar to me on my credit report. After submitting my complaint I waited patiently expecting the bureau to resolve this issue and send me a new copy of my my credit report with the updated changes, but that was not the case. It has been more almost 60 days now and I recently reviewed my credit report and the items are still on my credit report. To my understanding the bureau advised they would provide results to my dispute investigation within 30 days or the items would be deleted. In hope of getting a response I recently sent another letter last week on XX/XX/2021 demanding them to respond to my initial dispute letter. At this point the items should be deleted and I feel like they are taking advantage of me as I still have not received any information or timeline to date. I don't know what else to do at this point.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

Several letters have been sent to all XXXX credit Buearus in reference to these accounts listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX. All XXXX of these accounts are inaccurately reporting on my credit report. From mix matching account numbers, invalid account numbers, last reported and last activity dates are wrong. I have been sending letters since XXXX of 2022 in reference to verifying these accounts and correcting the eras. Per the FCRA, IF THE ACCOUNTS CANT BE VERIFIED THEY MUST BE REMOVED FROM THE CREDIT REPORT. Reference 15 U.S.C code 1681e- Compliance procedures : ( b ) Accuracy of report.
Consumer complaint received 2017-05-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

hi my name is  XXXX   XXXX  I just file the complaint about  XXXX  credit bureau complaint  XXXX  yesterday I was checkin g trans union credit reports I have lots of new item in my credit report, I have o nly  XXXX  loans on my name auto loan and   XXXX   XXXX   credit card that 's it like I said last time  XXXX  credit bureau have false credit report on my name I never have  XXXX ,  XXXX  credit card and I never been to  XXXX  another  XXXX  I never go to   XXXX   XXXX   I have health insurance for  XXXX  and I only go to  XXXX  in  XXXX  only all the new ite m in trans union cre dit report its false statement thank you
Consumer complaint received 2021-03-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Adler Wallach & Associates, Inc. (CA)

XXXX XXXX I received alert on my report I called company and ask what was this for and the customer service rep was very rude and told me that it was a debt that I owe and need to pay and I ask her what was the debt and she told me that I should know what I sign for. So my mom told me what she thought is was and I explained to the lady that I spoke with someone in the office during this pandemic and let them know I lost my job shut down COVID 19 and also due to stay at home order by state government. And they told me they would get back to me and no one never got back with me to let me know the next step that I can take to try and continue payments. Im in all kind of programs to help me with my children also still struggling I Was diagnose in XXXX with XXXX and XXXX XXXX  which I struggle XXXX not to include my XXXX due to XXXX  can someone please help me with this situation. Lost to grandparents due to COVID so seeing this is very stressful
Consumer complaint received 2017-05-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION (TX)

In this  XXXX , I opened a new checking account with Regions bank as the promotion required. I met all requirements in the first month but I have n't received the opening promotion offer of {$400.00}. When I contacted the bankers recently, they told me additional terms which were not on the promotion at the time when I received and then told me I didnt qualify it now.
Consumer complaint received 2022-02-15
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: EQUIFAX, INC. (NC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (IL)

I went onto XXXX this evening to pull all three of my credit reports. It only allowed me to pull the XXXX ( which showed my old address from a year ago ( XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX ) as my CURRENT address which is actually ( XXXX XXXX XXXX XXXX XXXX IL XXXX ) on their main screen that has you enter your email and phone number after you log in, but won't allow you to fix the address or name! Then once I got past this the actual report had my current address showing correctly in XXXX, IL and XXXX which had tons of old accounts that have been paid off from my student loans from the past from eleven years ago ( they are suppose to remove old accounts after seven years ) on top of this they have all been paid perfectly but they only show X 's on most months except for a couple, then when I clicked the next button to go to the Experian report it said they were having technical difficulties and would not allow me to view it!!! I tried it twice, same thing!! When you are guys going to MAKE these credit reporting agencies tow the line and follow the laws??? They of all people should NEVER have an error of any kind on a report on ANYONE, they are the only ones holding all of our personal information!!! If they are that incompetent or LAZY that they can not do their jobs, they need to all be fired and the businesses SHUT DOWN with huge fines applied to them!!!! We don't even need them, this country got by much better when these idiots were not screwing up everyone 's financial lives by misreporting their personal information on a daily basis!!!! Make them fix these errors too and I want my Experian report and a copy of XXXX and XXXX too once all is corrected and the online versions had better match the paper versions they send me and the CFPB because I WILL contact my lawyer and sue them if they do not!!!!! I will ALSO sue them for any health issues like my XXXX XXXX they are causing to go up and all the stress and wasted time I have spent having to write letters, file complaints and analyze and fix their XXXX errors!!!!!
Consumer complaint received 2023-05-17
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. (NC)

Equifax XXXX XXXX XXXX XXXX, XXXX  XXXX To Whom XXXX concern, The only information attached to my profile should be as stated above or on the attached legal documents. Any other NAMES, ADDRESSES, EMPLOYERS, SOCIAL NUMBERS, must be removed and deleted for they are not accurate. 
You are in direct violation of the Fair Credit Reporting Act, the following accounts have violated several of my rights. 

Accounts : XXXX : XXXX - I have no recollection of this account, furthermore I don't know why it is being reported. This account isn't being reported on either XXXX or XXXX. XXXX claimed that this account has been verified. Under XXXX XXXX XXXX, I am obligated to see the method of verification from the creditor with my written signature stating that this in fact is my account or debt, under law you have 30 days to show me or you must delete. This account is also being reported as a XXXX, which if is the case I have never been sent a XXXX form. Also if this account is XXXX XXXX then it can no longer be considered debt by the consumer, rather it is technically income and makes this report inaccurate so this must be DELETED IMMEDIATELY! 

XXXX XXXX  : XXXX - This account is being reported with XXXX  Missed/Late Payments. Update all payments and status to XXXX paid as agreed and never late, XXXX. 

XXXX XXXX XXXX  : XXXX - This account is being reported with XXXX Missed/Late Payments. Update all payments and status to XXXX paid as agreed and never late, XXXX. 

XXXX XXXX XXXX  : XXXX - This account is being reported with XXXX Missed/Late Payments. Update all payments and status to XXXX paid as agreed and never late, XXXX. 

XXXX  : XXXX - This account is closed, but is reporting a 30 day XXXX payment. Update to XXXX paid as agreed and never late, XXXX. 

XXXX XXXX  XXXX - This account is inaccurate. It is closed but reported as settled for less than balance, and reported with late payment. The account was disputed and sent back as verified. Under US Consumer Code I am obligated to see the method of verification in writing with my written signature stating this is true. You have 30 days to provide me this information or you must delete Immediately! 


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 furnish an account without my written instructions.

15 U.S.C 1666 B : 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 the late payments from the accounts above as demanded, and remove the other XXXX accounts from the consumer report entirely as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2021-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

I have asked both XXXX MCM, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX to correct the information on my report. This account has been paid off and I was promised a DELETION of this tradeline. The account was closed, then I paid this account off on XX/XX/2020. This account is still showing as an open balance on my XXXX  report, and possibly all of my credit reports XXXX XXXX and XXXX  XXXX! The refusal for these companies to correct their reports has COST ME ALOT in higher interest fees when I have tried to apply for credit! will these 3 companies be paying back the financial damages they have caused my credit???? Or will they be deleting the tradelines of MCM/XXXX XXXX XXXX XXXX XXXX?

It is totally unfair that I should have to wait TEN MONTHS for the correction after I was promised it would only take 30 days!!!
Consumer complaint received 2021-06-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NH)

On XX/XX/XXXX I contacted Midland Funding about a debt in the amount of {$940.00} that was disputed twice and they could not provide proof of amount owed, date the debt was sent into collections/charged off, they could not prove the debt belonged to me or any information from the original creditor or anything about the original trade line. I would like this debt removed and for it to be no longer reported!