davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-21
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: Experian Information Solutions Inc. (NJ)

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. 

I told the Experian, XXXX XXXX and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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.

Also they are not even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account INQUIRY DATE : [ XX/XX/XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-08-21
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. (GA)

Identity thief began due to a stolen wallet which now have started to see fraudulent accounts active, open, debt collection on credit report I have submitted information and request to correct and also called company to report due to lack of information/ fraudulently reporting it is now showing up on credit and reporting agency fail to correct information as requested
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I opened a credit card with XXXX. It is a credit card company which debit your account every week after you make purchases. I closed the bank account that I was using for automated payments during my divorce. When I realized that, I immediately contacted the company which takes payments for XXXX and set up payment plan. I did that in XXXX XXXX XXXX Since then I have made 3 payments and paid off my account completely. I paid off every dime I owed before account was charged off or went into collection. Following the last payment everything was fine. However in XXXXXXXX XXXX XXXX, the XXXX reported my account to the all three of credit bureaus as charged-off/collection account with over 5 missed payments and showing that I still have balance owed. None of this is accurate. I paid of the account and made payments on the dates that they stated I have not made payments. I contacted the company which took payments and they sent me the letter showing that I paid in full ( see attached documents ). I then contacted XXXX and after couple of emails they stopped replying or attempting to fix the issue. Because of this, my credit score has significantly dropped, and I have hard time qualifying for any credit or applying for jobs. XXXX has refused to remedy the issue and just completely ignoring me. This is extremely unfair since I worked hard paying off the account and making sure all of the payments go through to fulfill my obligation.
Consumer complaint received 2023-05-05
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. (IN)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because, according to 15 USC 1681. I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX / XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-06
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I opened a credit card with XXXX. It is a credit card company which debit your account every week after you make purchases. I closed the bank account that I was using for automated payments during my divorce. When I realized that, I immediately contacted the company which takes payments for XXXX and set up payment plan. I did that in XXXXXXXX XXXX XXXX. Since then I have made 3 payments and paid off my account completely. I paid off every dime I owed before account was charged off or went into collection. Following the last payment everything was fine. However in XXXX XXXX XXXX, the XXXX reported my account to the all three of credit bureaus as charged-off/collection account with over 5 missed payments and showing that I still have balance owed. None of this is accurate. I paid of the account and made payments on the dates that they stated I have not made payments. I contacted the company which took payments and they sent me the letter showing that I paid in full ( see attached documents ). I then contacted XXXX and after couple of emails they stopped replying or attempting to fix the issue. Because of this, my credit score has significantly dropped, and I have hard time qualifying for any credit or applying for jobs. XXXX has refused to remedy the issue and just completely ignoring me. This is extremely unfair since I worked hard paying off the account and making sure all of the payments go through to fulfill my obligation.
Consumer complaint received 2021-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (IL)

Today I called Victoria Secret to try to settle this account, because it has been showing up on my credit report for awhile. I didn't open this account nor did I authorize anyone that they could open this account in my name. I've disputed this account multiple times as not being mines sent police report. I see a couple of years back someone made payments on this account, but it wasn't me or my bank account. Well I'm in the process of trying to buy a home and my lender asked me to call them to try to settle just so it's not showing a balance. I called Victoria Secret and spoke to an XXXX and I told her that I wanted to speak to someone regarding the charged-off account. She then transferred me to another lady in another department that answered that she was with Comenity Bank that was so rude, condescending, and unprofessional. This is one of the reasons why I never applied for a card with this company, they're XXXX when you go in they pick and choose who they greet and assist while in store. Well the young lady asked how could she help me. I explained that I was calling regarding a charged-off account with Victoria Secret and I wanted to settle and pay it off. She then stated that the amount was {$1000.00}. I say yah don't have a payment option since it's COVID. She got snooty and said Ma'am there hasn't been a payment made since 2018, like ( XXXX you haven't paid this bill and I'm not willing to help you ). I then said I'm aware I don't like your tone and I want to speak to someone else, because you're talking to me like I'm an XXXX she laughed and said okay then hung up. This is the reason for the filing of this complaint. THIS CALL NEEDS TO BE LISTENED TO AND SHE NEED CORRECTIVE ACTIONS DONE!
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (OH)

As of XXXX, I began to notice some fraudulent activity on my checking account. It was then that I notified my bank by way of physically going into the bank as well as by calling the fraud department as they had suggested. After doing I disputed several transactions that were not familiar to me and was told that I would be issued a provisional credit and after receiving the documents in the mail, I should fill them out and return them to the address enclosed. After doing so, without warning the provisional credits were reversed from my account causing a negative balance and always coincidentally close to the date of my direct deposit, leaving my account without any funds causing me to overdraw my account in order to buy basic necessities for the month. This has continued and still continues. Upon requesting evidence to support the allegations that the disputed atm/debit card transactions were performed by myself and/or my wife because the patterns of use and the places that were used to withdraw funds from the atms etc. were consistent and that the photos that they had in their possession were the same people in all of the photos!!! I have called them and requested the documents that they claimed to have to support their findings and they informed me that they were not able to release that information. That says to me that they know me and what I look like and that isnt true. 
After conducting my own research I have learned that XXXX XXXX has had a data breach/hacked leaking personal information and has also been fined by the federal government for opening accounts in customers names using their personal information without their consent. When the breach occurred in XX/XX/2022, is exactly the same time that the fraudulent activity soared and the fraudulent transactions and other fraudulent activity such as fraudulent account numbers appeared on our accounts. I have recorded conversations between individuals and myself and many of them dont appear to be legitimate conversations with legitimatXXXX XXXX XXXX employees. I have screenshots of my account that have account numbers and information that suggests that someone has hacked into my account and opened an investment account in one or both of our names. After inquiring about the account numbers that were listed on my account both at the bank and by calling the fraud department, I can not get a straight answer and I have been unable to find the appropriate department to get an answer. Since XXXX, I have had to question many transactions that have occurred on my account and after being given the provisional credits the same pattern of reversal of funds continues many of which I have not been given an opportunity to submit documents in support of my claim of fraud! I am sure that the evidence that I have in my possession is indicative of fraud and unauthorized access to my accounts!
Consumer complaint received 2023-08-21
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. (MI)

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.

has violated my rights. Or list of inquiries 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 2023-03-18
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: Experian Information Solutions Inc. (FL)

Inquires on my report that are not mine. Victim of ID Theft XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (MD)

Since XXXX XXXX, I was working with a loan consultant XXXX XXXX with Caliber Home Loans as I was looking to purchase a new home. I 've worked with XXXX XXXX in the past, and I trusted that she would help me obtain a new home loan as she did for previously. The presenting issue is that for nine months XXXX XXXX with Caliber Home Loans used deceptive, predatory lending practices in an attempt to obtain a home loan on my behalf that she knew I would not qualify to get. To explain further I just learned from a more reputable lender that I am only qualified to purchase a home loan for {$300000.00} when for 9 months XXXX XXXX with Caliber Homes provided pre-approvals for 4 different home in the range of {$400000.00} to {$640000.00} when she knew that I was in no way capable of obtaining a loan in that range. She knowingly continued to deceive me knowing that I was selling my current home, about to rent and own a new home that she provided a preapproval to purchase knowing that my XXXX only showed that I made {$39000.00}. She just admitted to this omission after she ran my credit twice, allowed me to go forward with putting my previous home up for sale and assisted in the sale of my last house, she knew I would lose a {$2000.00} deposit on a home I can not afford to purchase and never would have been able to buy because she has had access to my XXXX since XXXX. I took a loss of {$80000.00} on the purchase of my old house, lost my {$2000.00} deposit on the new home, {$1000.00} in moving expenses and the unfortunate owner of the house I am being forced to vacate is also impacted as his house has been off the market for 3 months because of her lies, deception an omission. Additionally, she stopped corresponding with me after she finally told me the truth. This is no how you treat someone you called " like family. '' Her tactics to use me to deceptively obtain a loan she knew I would not afford has harmed me financially and emotionally.  Now, I have to find a place to live again ( I just moved in XXXX because of her lies and sold my house ) as not to disrupt my children as well as deal with a homeowner who was also financially harmed. All of the above events took place from XXXX XXXX until XXXX XXXX. Additionally, Caliber Home loans serviced my previous home loan that another lender told me I should n't have received either because I did not qualify and they did not pay my taxes on that house. I did n't realize this until XXXX XXXX when a received a notice from XXXX County that they were putting a lien on my house for a tax sale. I had to pay those taxes out of my pocket because of the error. I still have n't been reimbursed for those fees either.
Consumer complaint received 2023-08-21
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. (MI)

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.

has violated my rights. Or list of inquiries 1

5 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 2023-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my Consumer Reports and noticed that there was an inaccurate account on my credit report XXXX XXXX XXXX XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items XXXX not appear on my credit report if they can't be verified by any evidence or proof.
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (IL)

I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.
Consumer complaint received 2018-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (FL)

I have been complaining for a year to Citibank, NA/XXXX  that I am a victim of a fraud at a gas pump. Someone then used whatever ID they stole to obtain a {$500.00} cash advance. Citi wants that from me plus interest and fees of {$270.00}. I have asked over and over for proof they might have as to who did this, signatures, ID used, pictures etc. They just ignore my requests that they investigate the matter and have placed the account with a collection agency called XXXX. I made the same requests of them to investigate on XX/XX/XXXX and at this point have heard nothing. My credit is perfect, or was, but I will not pay a debt I did not incur.
Consumer complaint received 2023-06-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-04-03
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 (MI)

I have 2 credit cards with capital one & only one of the cards has been reporting on my credit report for almost a year. Both cards are still active and up to date but only one shows up. Ive called capital one several times and they say they are reporting both cards but I explained to them both are not reporting and they keep telling me to write them a letter.
Consumer complaint received 2023-08-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I been disputing false information on my credit report. requesting a copy of the original debt so it can be verified if not the information that doesn't belong to me should be removed.