davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, XXXX Account # 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 2023-07-31
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. (FL)

XXXX XXXXXXXX XXXX are reporting a debt from original creditor XXXXXXXX XXXX from XXXX on my credit report. I don't live in XXXX for 6 years and I never had a debt in there. I asked them for the original information and it's complete IDtheft. I asked them to remove from my report and stop reporting. they still reporting
Consumer complaint received 2024-03-11
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. (SC)

I am writing to dispute an inquiry that appears on my credit report. I have carefully reviewed my records and can confirm that I did not initiate this inquiry. I believe this inquiry is inaccurate and should be promptly removed from my credit report.
Consumer complaint received 2022-11-03
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. (MD)

I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be deleted, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request EQUIFAX credit bureau the method of verification for disputes In accordance with FCRA, I am requesting the account to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. Here is the account that needs to be delete in my file ASAP : XXXX XXXX XXXX XXXX Balanced Owed : {$1000.00}
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

My account had been in arrears and was restricted. I set up a payment plan to catch up on my account and have the restriction removed. I began paying off my account earlier this year. Once my account was no longer behind and I was currently with payments, I called and asked about having the restriction removed. I was told by a customer service agent that with XXXX on time monthly payments or paying off the balance in its entirety the restriction would be removed and I would be able to use my card. I made XXXX monthly on time payments. In fact, the third monthly payment I paid off my entire bill and currently have a {$0.00} balance. When I called back I was told that I would have to wait close to 30 days for the restriction to be lifted. I stated that's not what I was told previously by Customer Service. So then, I was transferred to a Specialist would said the restriction would be removed in 10 days. I called back and now I'm being told it will be 10 BUSINESS days. I've paid my ENTIRE balance and just want to use my card!

I constantly remind them the calls were recorded, so what was told to me can be verified. But each time I speak with Customer Service agents they tell me something different!
Consumer complaint received 2023-07-31
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. (MI)

accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

If the validated debt was accurate it wouldve been accurately reporting across all 3 credit bureaus. This is ground for removal they 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 A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-23
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. (WI)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( {$980.00}, Opened XXXX. XXXX, XXXX ), XXXX XXXX ( Balance : {$130.00}, Date Opened : XX/XX/XXXX, Original Creditor : XXXX XXXX XXXX ), XXXX XXXX ( Balance {$51.00}, Original Creditor : XXXX XXXX XXXX ), XXXX XXXX ( OpenedFeb. XXXX, XXXX, Balance : {$570.00}, Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX  ( Reported : XXXX. XXXX, XXXX, Balance : {$170.00} ), XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$190.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I requested from my Mortgage Company a reason as to why my monthly payment have been going up every year. For many years my payment was at {$720.00}. Then it went up to {$750.00} Now it is at {$780.00}. According to the bank ( SPS ) it was due to a shortage in the escrow for taxes. Which is not true. 
When I was paying {$720.00} my principle was at {$560.00}, escrow payment was XXXX XXXXXXXX {$720.00}. If you take {$160.00} x 12 months= {$1900.00} for taxes. And the taxes at that time were a total of {$1900.00}. 
Now for XXXX the total taxes are : {$1900.00} for the year. Which is a difference of {$9.00} from the year before XXXX. And with that they now raised my payment to {$780.00}? Why? There is no reason for that. 
When the payment was at {$720.00} and it paid the taxes in the amount of {$1900.00}. But since then they raised to {$750.00} and now {$780.00}???
Consumer complaint received 2022-12-06
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. (NJ)

I have attached to this document the proof of my previous complaints to the CFPB that have been ignored. 

XXXX. XXXX XXXX reprint of letter dated XX/XX/2020 stating that my account was closed and they were unable to verify personal information on my account. " we will report to the credit bureaus that the account was closed by grantor ''. 

XXXX. The XXXX account should not be reflected as late as it should not be reporting due to the blatant errors in metro 2 compliance for this account. This has been requested to be corrected via the phone and the mail, and uploading documents. No positive, proper response has been provided as of yet from experian. This account should be deleted by law.
Consumer complaint received 2021-04-24
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: Santander Consumer USA Holdings Inc. (SC)

XXXX XXXX and Santander reported inaccurate information to XXXX  which they used to decrease my credit score by nearly 40 points. Experience also had me sign yp for boost, then used it against me because they lost the connection to my back. They cited no report of payments while the connection was lost for more than 60 days. But I contacted them within 15 days of notice that the contact loss notification appeared on their website. When I could not reset it according to their instructions I called them to find out if this was a systems breach or scam. They did not fix the connection at the time and I could not fix it until about 10 days ago. By then XXXX had scammed me and made 3 complaints which lowered my credit score. All in all experience and XXXX XXXX  don't show accurate depictions of my financial life
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Ive had identity theft items on my credit report for months, some over a year! Ive sent multiple disputes and emails with no action taken whatsoever! Dont credit protection laws apply to you guys or no?
Consumer complaint received 2022-10-29
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. (FL)

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 fil ing a legal complaint against you!
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Blackhawk Network Holdings Inc. (CA)

Ever since " Happy '' Cards have been more difficult to come by, I have tried to buy " XXXX  '' and " XXXX ( XXXX ) '' gift cards to shop at various merchants listed on the packaging. However, the quality of these gift cards is not as good and sometimes the cards have PINs with coverings that are hard to scratch off, that scratch off too easily ( thus removing the PIN ), or have already been scratched off before purchase. I bought a {$490.00} card on or around XX/XX/XXXX, but could not read the PIN to redeem the card. I submitted case XXXX to Blackhawk Network, which offered a refund. I submitted documentation on or around XX/XX/XXXX. 

I never got my refund. Instead, I got a total of XXXX e-mails. On XX/XX/XXXX, I got an e-mail that said : " Our team is currently working on your case XXXX and will provide you an update as soon as possible. '' Then, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and today, XX/XX/XXXX, I got e-mails that substantially said the same thing : " Please allow us more time to continue working on your case, we are reviewing the information provided and the one on our system to give a resolution. '' It is manifestly apparent that Blackhawk Network is not actually providing any refund, and is just holding my money indefinitely. I reached out to Blackhawk Network a couple of times on other cases but just got canned non-responses. I want my money sent back to me.
Consumer complaint received 2023-09-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2022-12-02
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. (TX)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-06
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are closed, but not deleted. Recently I did anon my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that those accounts were property investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. RESOLUTION As a consumer, by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating and/or deleting the accounts listed in my dispute. In conclusion the I did give consent to any of the parties involved.

ref : 16 CFR 313.4- initial privacy notice to consumer required.

16 CFR 313.8- Revised Privacy Notices 16 CFR 313.10- Limits on disclosure of non-public personal information to nonaffiliated third parties.

15 USC 6821- Privacy protection for customer information of financial institutions.
Consumer complaint received 2023-04-29
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. (SC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$12000.00}, XXXX XXXX XXXX Balance : {$470.00}
Consumer complaint received 2022-12-06
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)

Submitted dispute stating XXXX XXXX XXXX account on my report not showing current balance of XXXX  and account being closed/transferred to another servicer with XXXX, XXXX, XXXX Equifax. All disputes were submitted on/around XX/XX/XXXX and XX/XX/2022. On XX/XX/2022 received dispute results stating all information was verified. There was no change to the account balance or account status. Additionally XXXX XXXX has an announcement on their website that they are no longer servicing federal student loans. My federal loans were all transferred to XXXX on XX/XX/2022 which are currently showing on my credit reports.
Consumer complaint received 2022-11-24
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. (TX)

There are a lot of fraudulent information in my credit report. Examples are unauthorized inquiries and inaccurate or outdated accounts. This is damaging my credit and violates FCRA.
Consumer complaint received 2023-07-11
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. (MD)

My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.
Consumer complaint received 2022-10-22
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. (VA)

I dont have a contract with ( XXXX XXXX XXXX Also this is fraudulent because I was unfortunately XXXX  during the time this account was open. Pursant to 18 USC 8, I owe no debt, This company XXXX XXXX XXXX XXXX ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX Balance Owed : {$30000.00}.
Consumer complaint received 2022-12-02
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. (TX)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-24
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. (GA)

I ordered a copy of my report from XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Equifax, XXXX and XXXX have not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of these accounts listed below. I believe it was reported in error. 
XXXX XXXX  XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX AUTO XXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX : -
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022, my check was stolen by someone for {$5000.00}. I did not receive and use the check, but the thief took the check and withdrew the money. I want the Bank of America to compensate me for this money.
Consumer complaint received 2022-10-24
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. (GA)

I ordered a copy of my report from XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, XXXX and TransUnion have not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of these accounts listed below. I believe it was reported in error. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$3700.00} ; XXXX  XXXX  XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} ; XXXX XXXX  XXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX : -