davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I recently disputed the following accounts on my credit report that are inaccurate and was informed that after an investigation the accounts have not been deleted even though according to USC 15 1681 inaccurate items must be deleted by law. How is it impossible that these accounts were properly investigated when they are still not reporting at least 100 % accurate across ALL XXXX AGENCIES ( Experian, XXXX, and XXXX ) as required by law. Please delete these accounts IMMEDIATELY as they are still violating my consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 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
Consumer complaint received 2023-09-27
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: Experian Information Solutions Inc. (TX)

This letter is being sent today in order to formally contest some errors found on the credit report. Some discrepancies were discovered during a recent review of the credit report, which has caused my credit score to suffer. 

A prompt response to look into these inconsistencies and make the necessary corrections is expected given how serious this problem is. The credit system is made to accurately reflect consumers ' financial circumstances. However, the appearance of these errors raises concerns about the efficiency of that system. 

Dealing with these errors is difficult despite efforts to keep finances in order. It is doubtful whether this important financial document is accurate, which could have an impact on future financial decisions and the credit score. The potential effects of a system-generated report on one 's financial situation demand serious consideration. 

The seriousness of the situation is highlighted in light of the current circumstances, and an immediate conclusion to this dispute is urged. We need your help to solve this problem and deliver a credit report that accurately reflects fiscal responsibility. 

A timely response to this important matter is desired. A correct credit report can be obtained with your help.
Consumer complaint received 2023-08-09
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. (FL)

THIS ACCOUNT IS REPORTING INACCURATE AND HAVE VIOLATED MY CONSUMER RIGHTS DUE TO MILD PRACTICE. THIS ACCOUNT IS REPORTING INACCURACIES ACROSS ALL ( XXXX ) CREDIT BUREAUS. 



XXXX OF XXXX
Consumer complaint received 2022-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I ordered a copy of my credit report and saw an account was opened fraudulently under my name with a company called XXXX XXXX on my credit report it shows a balance if {$6500.00} that was charged off. This is not mine, I need this to be removed. The account was opened around XX/XX/2021.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2023-08-09
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. (FL)

THIS ACCOUNT IS REPORTING INACCURATE AND HAVE VIOLATED MY CONSUMER RIGHTS DUE TO MILD PRACTICE. THIS ACCOUNT IS REPORTING INACCURACIES ACROSS ALL ( XXXX ) CREDIT BUREAUS. 



XXXX OF XXXX
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP (KY)

My initial credit line was XXXX XXXX 
I could not make payments due to a bug in their system. I had to call every month and pay over the phone. Company got on my browser with me logged in and seen this. They reversed late payments 2 or 3 times because the web page kept crashing every time I tried to make a payment. Out of the blue they raised my limit to XXXX $ and then dropped it to XXXX XXXX 
This decreased my XXXX score by XXXX points. I was in the process of getting a business loan secured by my personal credit. This obviously threw a wrench in my plans. I called the credit card company ( us bank ) to see why. 
They sent me to the underwriting department who said it was because of late payments. Not even bothering to look and see that I couldn't pay if I wanted to ( which I obviously did ). Looking online for answers I found the fair credit reporting act I found this. 
According to the Fair Credit Reporting Act, the only reason a card issuer needs to inform you about a credit limit decrease is because you missed a payment, are only making minimum payments on a high balance or took some other negative action that raised a red flag. In that case, your issuer would have to call or send written notice by mail or via the secure online message center. 


So I called us bank back on a recorded line and asked to speak to underwriting. 
She told me there was no such department. 
I asked to speak with a supervisor. 
The supervisor ( XXXX ) told me the same thing I already heard. 
They throttled me because of late payments. 
I then informed her of the fair credit reporting act to which she said they can do this to me because it's in their terms of service agreement. 
I asked if that means they don't have to adhere to the F.C.R.A.? 
She basically told me whatever I read to her doesn't apply to them. 

So in a nutshell, us bank solicited me a cc while i was shopping in XXXX. 
A cc which I didn't need. At the time I already had at least XXXX $ of unused credit at my disposal. Well I signed up anyways thinking it would save me on gas. Instead this XXXX ended up costing me XXXX points off my credit score, hours of time trying to resolve countless issues I had to call about and now it's costing me a loan to open my small business. 
I have since sent payment of the total balance to us bank and I'm sure even paying it completely off won't raise my score XXXX points. 

I would like for them to make this right. 
It is a blatant violation of the F.C.R.A and they don't seem to know this which tells me that this is common practice to them. 
No letter and or message was ever sent to me entailing their decision. 
XXXX XXXX XX/XX/2023
Consumer complaint received 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance Owed : {$46000.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-25
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. (AZ)

I reviewed my Consumer Reports and noticed that I had XXXX 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 XXXX XXXX. I have never been late on payments for the account : 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 2018-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (IL)

Principal payment only I have incidents with caliber home loans twice within the last 3 months. 
The first incident payment was sent electronically, the payment showed that it was received but never posted to principal balance until 2 emails ( my second showed that I was XXXX ) It was taking care off. After this incident, the payment was received and has been posted correctly. 

The second incident payment happened recently. I called caliber after 5 days ( gave them time to work on it, and I did sent email in between ). I  called them on the 6th day, talked to agent who did not show motivation in helping client and no clue of what Is going on to locate the payment, no alternative suggestions. All I got was they have not received payment. I did confirm with my bank that the payment was received and processed by caliber. 
In my opinion and experiences with thsi company, I feel that they make it difficult for us as consumers to pay down the loan in order to gain more interest. It is unfair practice and seem cheating on our hard earned money. 
I need someone to investigate this company and taking care of this issues because I am sure I am not the only one this happen to
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, 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. (MT)

I have two inquires on my report from XXXX XXXX XXXX on my credit reports one on XX/XX/XXXX and one on XX/XX/XXXX and I have never applied to XXXX and have no idea that it is.
Consumer complaint received 2022-10-25
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. (PA)

I AM WRITING TO DELTE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT!
Consumer complaint received 2022-10-25
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (GA)

During COVID, I moved. Unbeknownst to me, I had a utility bill after moving that went unpaid. I only discovered there was a balance when I saw a collection on my credit bureau on XX/XX/XXXX, by Transworld for XXXX XXXX. Immediately, upon discovery, I contacted XXXX XXXX directly to pay the collection balance of {$190.00}. XXXX XXXX sent me an email with a payment confirmation number for the payment in the amount of & XXXX on XX/XX/XXXX. In XX/XX/XXXX, I reviewed my credit bureau again only to find the collection was still showing. I filed a dispute with my credit bureau. I contacted XXXX XXXX who said they notified Transworld the debt was paid. I spoke with Transworld who said they did had not received notification of payment from XXXX XXXX. On XX/XX/XXXX I forwarded the payment confirmation to the email address provided by Transworld at XXXX. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I spoke with Transworld who said they did not have a record of the payment, so I contacted XXXX XXXX who said they once again notified Transworld the account had a XXXX balance and was closed for each of those dates having sent that notification to the email account they were provided with for communication which was XXXX. I then contacted Transworld who continued to say the account was in dispute and refused to update their records. I escalated the call and everyone I spoke to said they did not have access to the email account where payment was sent and could not confirm payment. On XX/XX/XXXX, I called XXXX XXXX and Transworld on a conference call and gave permission for them to speak to one another regarding the account. The Transworld manager told the XXXX XXXX representative they would need to call the TSI Client Services Hotline at XXXX. XXXX XXXX is not an outward bound call company so they are not authorized to call on behalf of accounts, so I once again, conferenced XXXX XXXX with Transworld with the provided TSI hotline number so that XXXX XXXX could once again confirm the account balance is XXXX and the account is paid. The XXXX XXXX representative again confirmed payment was made. This debt was paid nearly 6 months ago. It is negatively impacting my credit despite my having paid the account, as well as my due diligence to resolve this matter. I thought I was doing the right thing going directly to XXXX XXXX. XXXX XXXX has been wonderful to work with and so helpful and cooperative. Whereas, Transworld has been incredibly rude, frustrating, and difficult to work with, giving me the run around, and refusing to acknowledge the paid debt despite being provided proof of payment. It is despicable that after 6 months and repeated efforts to notify them of the paid debt that Transworld has not updated my credit report. I notified them today ( XX/XX/XXXX ) that I am filing a dispute with the consumer finance department.
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, we transferred the balance on our Capital One card to a XXXX  XXXX XXXX credit card. On XX/XX/XXXX, I received a letter from Capital One asking me to call them and notifying me that my account has been put on restriction due to a fraud inquiry. I called right away and was asked to provide a bank statement to show that I was the owner of the account that paid my Capital One card. I did not understand why they cared who paid my card but agreed to provide information. We sent in the XXXX  XXXX XXXX statement that clearly shows the amount of money that was paid and that I am the owner of the account. I called Capital One on XX/XX/XXXX and was told that they can not clear the restriction until they get a XXXX statement. I explained that there is no XXXX statement and that I already provided the XXXX  XXXX XXXX statement at issue. I explained that it seems XXXX was entered in the notes by mistake. They asked me to resubmit and assured me this would be resolved in the coming days. I heard nothing and called again. I was again told that they are waiting for a XXXX statement. I explained the situation and asked to speak to a manager. The manager was not helpful and told me that I had no option to speak to anyone above him. On XX/XX/XXXX, I received letters noting that if they did not receive the information requested, my account would be closed. I called and explained the situation. I explained that anyone that looked in the system could see they were paid by XXXX  XXXX XXXX and that they already have the information that they have requested. Both the initial agent and then the manager that I spoke to told me that there was nothing that they could do until they received the XXXX information. Again, I explained that this information does not exist and is a mistake in their notes. I asked to speak to a different manager and was told that there is no other manager above this manager to speak with me and that basically I had no recourse. I have excellent credit and have done nothing wrong. Capital One has shut down my points that I have accrued over the years as a Capital One customer and are threatening to close my account. They refuse to review the information that they requested and offer no recourse to the consumer.
Consumer complaint received 2024-04-24
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: SANTANDER HOLDINGS USA, INC. (NY)

The account number, high balance, payment history, account status, and other data from my SANTANDER CONSUMER USA account is inaccurate and different on all 3 credit bureau reports. Santander has failed to provide documentation of sufficient investigation or to remove the inaccurate information.
Consumer complaint received 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Under the Fair Credit Reporting Act, my consumer rights have been violated. 

A reporting agency needs written instructions from me, the consumer, to furnish a consumer report. Without written instruction, this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition, you have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) WI XXXX : Account number : XXXX, This account violates 15 U.S.Code 1681b ( a ) ( 2 ) CRAs need written instruction to make a consumer report by the consumer a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ) XXXX XXXX Account number : XXXX, This account is in violation of 1681b ( a ) ( 2 ) CRAs need written instruction to make a consumer report by the consumer .a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ) XXXX : Account number : XXXX, This account is in violation of 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ) XXXX XXXX : Account number : XXXX, This account is in violation of 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ) XXXX : Account number : XXXX, This account is in violation of 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). 

XXXX  XXXX Account number : XXXX, This account is in violation of 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer. a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). 

The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. 

I have not given permission to access my credit profile and they have no permissible purpose by law to contact third parties with my private or personal information