davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2022-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Un authorities inquiries in my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-27
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. (FL)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account inaccordance withSections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX XXXX
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sterling Infosystems Inc. (TX)

I am writing a complaint against Sterling located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. This company ran a background check for employment with XXXX. Sterling did a background check and reported a XXXX  from 20 years ago in the state of Texas. The Texas Business Code Section 20.05 clearly states that XXXX are not to be reported over 7 years of the XXXX. This reporting led to me not receiving this job. Below you will find that section. 

Sec. 20.05. REPORTING OF INFORMATION PROHIBITED. ( a ) Except as provided by Subsection ( b ), a consumer reporting agency may not furnish a consumer report containing information related to : ( 1 ) a case under Title 11 of the United States Code or under the federal Bankruptcy Act in which the date of entry of the order for relief or the date of adjudication predates the consumer report by more than 10 years ; ( 2 ) a suit or judgment in which the date of entry predates the consumer report by more than seven years or the governing statute of limitations, whichever is longer ; ( 3 ) a tax lien in which the date of payment predates the consumer report by more than seven years ; ( 4 ) a record of arrest, indictment, or conviction of a crime in which the date of disposition, release, or parole predates the consumer report by more than seven years ;
Consumer complaint received 2023-02-01
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. (TX)

I signed up for credit monitoring services with MyXXXX in XX/XX/. I noticed that Equifax and XXXX were reporting XXXX 30 day late payments on an old credit account. I've never missed a payment on anything. It's rare that I even carry a balance on any of my credit cards. I mailed Equifax and XXXX letters on XXXX XXXX XXXX  to ask them to correct the errors on my credit report. I did not receive a response back from either. On XXXX XXXX XXXX I wrote a second letter to both Equifax and XXXX requesting that the inaccurate information be removed from my credit report. I included a copy of the first letter that I mailed on XX/XX/XXXX. It is now XXXX XXXX XXXX  and the XXXX 30 day late payments are still showing on my credit report. Nothing has been done. I haven't received a response in almost 4 months. I wasn't even aware that this was hurting my credit until I applied for a project loan with XXXX XXXX and I was told the interest rate was higher bc of my credit score. I immediately searched online to see how to obtain my credit report. I also read that I should monitor my credit bc inaccurate information could be on my credit report. So I signed up with MyXXXX and I discovered that I am being directly affected by these XXXX inaccurate late payments. I've never had to deal with anything like this and it has caused me to pay unnecessarily higher interest rates. There's no way of actually speaking to someone via phone. Both websites just gave mailing addresses. Please help me resolve this. There seems to be no way to get these inaccurate late payments removed.
Consumer complaint received 2024-03-03
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. (MD)

re : bankruptcy file number XXXX After checking my report I saw there's a bankruptcy listed on my report. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not Validate the info with the ORIGINAL CREDITOR, they must remove the information from the credit file. 

I have received documentation from the bankruptcy court ( the ORIGINAL CREDITOR ) in the mail stating that they DON'T and DIDN'T provide any information to the CRA 's, nor do they ever validate or confirm public records. 

XXXX XXXX has given you documents or information they themselves can't validate or verify, which is this public record. Third party providers or CRA 's collect information regarding public cases or public records, it is NEVER validated by the Recorder of Deeds nor the US Court System due to the FCRA Privacy Law. 

At this moment, you are breaking the law and committing fraud because this info has never been validated or verified and its a violation of 15 USC 1681a ( e ) An investigative credit report is when any portion if information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Also, I'm also being violated pursuant to 15 USC 1681b ( a ) ( 2 ) considering you do not have my consent to furnish my information as well as 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumers report. 

Your fraudulent activity and continuous violations are causing me injury because it preventing me from obtaining credit to support and sustain my family. I need to bankruptcy information to be permanently deleted and removed from my report immediately and if this unauthorized public record information is not deleted from my report in the next 30 days, I will be filing a complaint to the FTC. 

Failure to respond in a satisfactory manner within 30 days of receipt of this complaint will result in a small claims action against your company and I will be seeking no less than {$5000.00} in damages for but not limited to : Defamation, Negligent Enhancement of Identity Fraud, Violaton of the FCRA and Consumer Financial Protection Bureau.
Consumer complaint received 2020-12-15
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: CITIBANK, N.A. (MN)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XX/XX/XXXX/XX/XX/XXXX, XX/XX/XXXXI and XX/XX/XXXX add a hard inquiries on my credit reports. The report does not include information about the creditors. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-04-05
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. (AZ)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (TX)

On XX/XX/20, I was informed i could convert an existing XXXX credit card with Citibank to a Citi Diamond Preferred credit card. I asked the representative if the promotional balance transfer rate was going to be honored and was confirmed it would be. 

On XX/XX/20, i followed up with Citibank and informed the agent that I could not see a balance transfer offer online. The representative informed that the promotional rate is only available to new applicants not converted credit cards. I informed the representative that I was informed otherwise when I converted my XXXX credit card. The representative reviewed the online chat with the previous representative and I was informed that the promotional rate was going to be honored. I was informed that the promotional rate would be posted in 5-7 business days. 

On XX/XX/20, I followed up again with Citibank to inform them that i do not see the balance transfer offer. I was informed that it was not available to converted credit cards. It was elevated to a Senior Account Specialist and was informed that promotional rate is not available.
Consumer complaint received 2023-02-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Deutsche Bank (OH)

My parents were sending money XXXX from XXXX to the US on the XXXXXXXX XXXX XXXX from the Deutsche Bank to XXXXXXXX XXXX. On the XXXXXXXX XXXX XXXXXXXX he was told his transfer needs more information : what it was for and his passport ID. Which he both supplied. I was calling XXXX and the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX neither of them saw any money on my end. My father was told to wait until the XX/XX/XXXX and his bank ( Deutsche Bank ) would start a trace for the money and charged him already XXXX for it. He went back yesterday XX/XX/XXXX and still nobody knows where the money is. 
I sincerely hope you can help figure this out. 
Thank you
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

XXXX has violated many consumer rights, in engaged in insurance fraud, deceptive practices and unjust enrichment. XXXX has sent letters asking to settle the matter, the most recent in XX/XX/XXXX, but have not responded to faxes sent to multiple departments and phone calls to the departments mentioned in the letter. XXXX has ignored financial instruments intended to settle the account in XX/XX/XXXX. XXXX has ignored IRS Fiduciary form 56 sent XX/XX/XXXX, to settle the account. XXXX has ignored UCC1 ( # XXXX ) and UCC3 ( # XXXX ) filing in Washington State and mailed directly to XXXX in XX/XX/XXXX. XXXX reported a loan balance of {$0.00} between the months of XX/XX/XXXX and XX/XX/XXXX on the consumer 's account. XXXX filed insurance claims and collected monies on account XXXX in XX/XX/XXXX, yet continues to try and collect on the account, directly from the consumer ( as of XX/XX/XXXX ). 

XXXX has reported CHARGE OFF status with the credit reporting agencies, yet refuses to send the tax documents ( or any for that matter ) stating that it has been charged off. 

XXXX has given, without permission, the consumer 's information to multiple parties ( violation of XXXX USC 1681 ( a ) ( 4 ) who have since violated consumer rights, harassed the consumer, including the consumer 's friend 's and family. Harassment and abuse are covered under 15 USC 1692d and 15 USC 1692g. 

XXXX have allowed assigns to file lawsuits, in XXXX XXXX, Kentucky. The contract specifically states that the laws of Washington State shall govern the contract. 

The consumer continues to be railroaded and ignored while XXXX effectively pursues unjust enrichment off of the consumer, between the securities created, payment from the consumer, cashing out on an insurance claim and attempted collection of the XXXX XXXX XXXX XXXX. Is a tax exempt, non profit organization allowed to do this? How can one organization claim to be not-for-profit, hold tax exempt status and collect on one contract several times? This has been documented in many communications with XXXX and XXXX has not rebutted any of the claims. 

On their website, XXXX states they are a " not-for-profit, member-owned cooperative ''. They hold a not-for-profit and tax exempt status with the IRS. 

In a letter dated XX/XX/XXXX XXXX has been urged to make this right with the consumer, but as of XX/XX/XXXX they have yet to do so.
Consumer complaint received 2021-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

After filing a complaint with this office, ( # XXXX-XXXX  ) 5th 3rd bank retaliated against me by filing a report with the Sheriff 's office against me and my wife. We were contacted by Deputy XXXX  Of the XXXX County Sheriff 's Office ( XXXX ) on behalf of 5th 3rd and told to not contact the bank again for anything under threat of arrest. The XXXX stated all contact must go thru the CFPB since this is where the complaint was filed. I should not be subjected to segregation or discrimination for making a discrimination complaint with this agency.
Consumer complaint received 2017-07-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ASTORIA BANK (NY)

Bank sent me a letter to close my account because I would not allow my employer 's name to be connected with my account. Bank refused to refund me {$25.00} dollars as they were supposed to on XXXX XXXX, 2017. This is the worst bank ever, they view their customers as XXXX XXXX and XXXX. No one should continue to use this bank they look down on people are very bias. Branch Manager, XXXX XXXX XXXX, very nasty dealing with customers.
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There was an unauthorized charge made to my Master Card credit card account issued by the XXXX XXXX XXXX ( XXXX ) in XXXX, which I refused to pay. After much haggling, I paid off the credit card account IN FULL on XXXX XXXX, XXXX and stopped using the card/account. The XXXX then reported the account as a Charge-Off anyway ; so I wrote to the XXXX and they responded that a mistake was made, but the credit reporting agency ( TransUnion ) STILL has not corrected my credit agency file, even after I submitted proof of my payment to the XXXX, and the credit reporting agency continues to show the credit account as a charge-off! How do I get this problem corrected???
Consumer complaint received 2023-02-01
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. (MA)

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 2023-02-01
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)

These accounts are not mine Some had used my information without my knowledge to initiate these accounts. and it affects my finances. I have tried to work with bureaus to resolve this issue to no avail, with limited correspondence, and not in timely manner.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX Experian XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 
This is inaccurate and erroneous data on my profile. Please correct ASAP!!!! 

un-authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-17
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Richard J. Boudreau & Associates, LLC (NY)

I was told, i could have my loans cut by 50 %. All I have to do was pay a fee upfront and then 30 days after I would agree to pay a certain amount monthly for 12 months and my loan would be paid off. This happened in XXXX. But now in XXXX, I started to get letters about paying for this loan I thought I already paid off years ago. Turns out I did enter an agreement to pay monthly with the right company but the Company i originally spoke to where the fee went to were scammers. No company heard of them and when i looked at my XXXX statements to get the name and search who they were. It says they closed down and had other complaints for asking for fee to settle loans upfront. Company that I think scammed me are called Richard J. Boudreau and Associates.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I HAVE A XXXX XXXX CREDIT CARD TIED TO MY CHECKING ACCOUNT BECAUSE THEY ADVISD ME TO DO THAT SO IT WILL COVER SOME DEBT TRANSACTIONS. THEY LIED TO ME. THEY CHARGED MY CHECKING ACCOUNT OVERDRAFT FEES, THEN THEY CHARGED MY CREDIT CARD CASH ADVANCE FEES AT THE HIGHEST INTEREST RATES, THEN THEY CHARGED ME INTEREST. I CALLED THEM AND TOLD THEM TO REMOVE THE LINK TO THE CHECKING ACCOUNT. THEY REFUSED. THE NEXT DAY, THEY CLOSED THE CREDIT CARD ACCOUNT AND REPORTED ME AS DELINQUENT FOR OVER 6 MONTHS. I AM STILL MAKING MORE THAN MINIMUM PAYMENTS MONTHLY. THEY REFUSED TO FIX THE REPORTING TO THE CREDIT COMPANIES AND DESTROYED MY FINANCIAL REPUTATION. NOW I CANT GET A LOAN FOR MY BUSINESS. THE EMPLOYEES TAKE MATTERS PERSONALLY AND DESTROY CUSTOMERS FOR THEIR OWN SADISTIC JOYS. I AM CURRENTLY SUING THEM. BUT I WAS ALSO ADVISED TO FILE THIS WITH YOU.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

In accordance with the fair credit reporting act, the list of the accounts below, has violated my federal, protect the consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any other following items of information any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 responsible cause to believe that the information is inaccurate