davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
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. (MN)

All three credit bureaus have reported incorrectly that my car loan with XXXX XXXX was discharged through bankruptcy. I provided them proof from credit acceptance that the account was paid in full and they still determine that is a valid report. This has been going on for years and the credit bureaus blame XXXX XXXX and vice versa.
Consumer complaint received 2022-10-20
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. (CA)

To : Whom it May Concern, This is about the inaccuracy that is inequitably furnished by your organization on my Consumer Report. I came to know about this inaccuracy on XX/XX/22. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following ; 1 ) Extended Credit 2 ) Car Loan According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 
There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 
Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must expertise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I request you to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide me with the details of the procedures that meet the need of commerce for the consumer credit. As result, I hereby demand the following ; Please delete 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 ALL INQUIRIES 10 ) ALL LATE PAYMENT Sincerely yours, XXXX XXXX
Consumer complaint received 2022-11-10
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. (IL)

In accordance with the fair credit reporting act. The list Of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX # XXXX 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 2023-07-22
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. (ND)

I am submitting another CFPB Complaint dedicated directly to Experian Credit Reporting Agency to kindly follow up the demand that they remove the remaining inquiries they are reporting on my Credit File. As much as I appreciate them removing a portion of the inquiries I previously disputed, I am a bit disappointed in seeing that my Credit file with Experian still indicates the unauthorized inquiries I previously requested for removal. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information, and I once again expect that my rights will be respected. I need Experian to remove the following inquiries completely from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX These Inquiries were not authorized by me nor anyone I gave authorization on my behalf and I am submitting this complaint to demand that the Experian Credit Bureau must remove these inquiries from my Credit File as soon as possible.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

Your agency is in violation! 
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. 
Delete this at once! 

Listed below are the Accounts that are being challenged 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 Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXXXX | XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX | XX/XX/XXXX, XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX, XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX | XX/XX/XXXX
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I signed up for an annual XXXX subscription for a product that they sometimes called XXXX XXXX or XXXX XXXX ( now branded XXXX, I believe ), in XX/XX/XXXX. They offered two subscription tiers : monthly and annual. Originally, I was being double charged, both for an annual subscription as well as a monthly subscription. 

I tried contacting the XXXX multiple times to correct the double charging through their web support portal. At the time, they had a web-based form set up where you would type out your message, give your email address for them to contact you, and wait for a reply. They did not send confirmation emails, so there was no way to " prove ' that you had contacted them through this portal. No one ever contacted me as a result of my repeated support inquiries. 

After multiple contact attempts through their web form, I sent them an email directly to a email address listed on an XXXX website, https : XXXX. The relevant part of the form reads " To cancel your existing account, call XXXX Customer Support at XXXX or email XXXX with your cancellation request. '' I also tried calling them at this number, only to find it disconnected. In my email, I asked that they refund the double charges, and cancel future recurring charges. I can provide that email, but am withholding it for now because the instructions for submitting a complaint say to not include any personal or identifying information, and the email contains that information. 

I did not receive a response to that email either, so I began disputing the charges. To this day, XXXX continues charging my card every month, without any way for me to cancel the charge. Most recently, on XX/XX/XXXX, they increased the charge to {$79.00}. That charge is the source of this complaint. I disputed that charge, and the credit card company sided with the merchant, even though I provided documentation showing that I had attempted to cancel this subscription nearly a year earlier. 

It's also worth noting that this is a common problem : if you XXXX " XXXX won't let me cancel my subscription, '' You will find countless examples of people looking for help for this exact problem. There is even a class action lawsuit filed which speaks to many of the exact same issues I am facing : XXXX XXXX XXXX
Consumer complaint received 2021-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  and transunion refuse to acknowledge new information after receiving emails of payment dates. 
XXXX XXXX {$100.00}, dollars XX/XX/XXXX XXXX  XXXX XX/XX/XXXX {$50.00} dollars XX/XX/XXXX XXXX, dollars XX/XX/XXXX {$30.00}, dollars XX/XX/XXXX {$40.00}, dollars XXXX XXXX XXXX  XX/XX/XXXX {$100.00} , dollars This is a breach of the public trust and should not be excepted nor excepting false information by federal licensed agents. 
During all this my bank XXXX allowed XXXX XXXX XXXX XXXX to fraudulently remove funds from my bank account for more than XXXX dollars and refuse to qaunitfy the reason by USPS this is requested because they can't be trusted clearly.
Consumer complaint received 2022-10-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I applied for help with my past due mortgage, with XXXX XXXX XXXX XXXX, they were able to approve me for assistance, & they wired-ACH transfer to Select Portfolio Servicing ( XXXX XXXX XXXX ) {$13000.00}, on XX/XX/2022, Select Portfolio has not applied the money to my mortgage account as of XX/XX/2022. I have reached out to my servicer to see why they have not applied the $ XXXX to my mortgage account & i am told it is pending. The XXXX XXXX has cleared per XXXX XXXX XXXX XXXX. Select Portfolio Servicing ombudsman department refuses to take my call, nor do they call me back regarding this matter. I was refused to talk to upper management by XXXX on ext XXXX on XX/XX/2022. There is no reason the XXXX XXXX should not be applied to my past due mortgage, & again the servicer will not communicate to me when the funds will be applied.
Consumer complaint received 2018-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a personal checking account at Bank of America and they charged me a ( 1 ) -time fee of $ XXXX because the CA Franchise Tax Board levied a garnishment of $ XXXX against this account. I promptly called the CA Franchise Tax Board and paid the entire balance owed to them of $ XXXX and NO garnishment occurred. I then called Bank of America back and asked them to reverse this fee and they refused.
Consumer complaint received 2023-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (MA)

I called Goldman Sachs apple card customer service a day before i made a payment via check to ask which address i could send an overnight XXXX payment and they assured me that it was the one they have on their website. At no point they said that they would not accept a XXXX delivery. They payment went out and sent back by XXXX because they could not deliver it to a po box . I called them and said that they were sorry that i was misinformed and taht i should send it via XXXX. I asked for them to refund me the charge and they said that they could not. I sent the payment via usps and they received it on XX/XX/23 at XXXX and the payment was not posted as a manual transaction until Tuesday XX/XX/23 at XXXX. I called today XX/XX/23 at around XXXX and asked why the payment has not been applied to my available balance and they claim that the payment i mailed was placed on hold until XX/XX/23 and that they had no explanation. I asked for a better clarification and they said they had none. I filled a claim with them. They are holding payments that are mailed in for more than 10 business days and that should not be the case when they have delayed the receipt and application of such payment. This will reflect longer on my credit report as a line with an outstanding balance when it is not accurate.
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NV)

This company started a scheduled maintenance in XXXX of 2022 and since then I have been unable to access my account online. It gives an error message and does not allow me to pay. I have to call customer service to make a payment, which hold times are over 3 hours usually and the rep adds a {$9.00} charge everytime I make a payment over the phone even though are no alternatives! They have marked my account late over and over again even though the agent on the phone always tells me to call when the outages have cleared up to get a waiver for those lates I am stuck with this item on my credit with no options while they charge me late fees, over the phone convenience fees, and lock my online account so I can't even check the status. They call over 15 times a day when they are in need of payment but during business hours even though I told them I can not answer while working but then their call center is closed when I get off work. after doing online research i see that there are MANY account holders experiencing issues with this company and it feels like a scam. I ALSO WAS SUPPOSED TO GET A {$1000.00} REFUND ISSUED TO MY CARD, THE DENTIST SHOWED ME WHERE THEY DID THE REVERSAL BUT THE CREDIT NEVER SHOWED. I am really frustrated and tired of chasing these people down just so that they'll take more of my money. I honestly feel uncomfortable continuing to hold an account with them.
Consumer complaint received 2023-07-22
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. (CA)

These items are in litigation. Please delete these Items 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 2023-05-11
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. (NJ)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I kindly request that you conduct a thorough investigation into the matter and, upon verification, promptly remove these inaccurately reported business credit card accounts from my personal credit report. Furthermore, I ask that you provide written confirmation of their removal and update my credit report accordingly. I am aware of the legal rights and protections afforded to consumers under the FCRA and ECOA. I hope for a timely resolution of this matter and anticipate that you will take appropriate steps to rectify this situation as required by law. 


XXXX XXXX Date openeed, No. of months ( terms ), last reported date, and date of payment are all inaccurate or incorrectly reported information to all XXXX major credit bureaus. 

I have disputed this account XXXX times, and the credit bureaus claim that the information was verified, which is far from the truth. I want this account deleted from my reports because this is a clear violation of my rights.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have begun my dispute with all of the credit agencies since XX/XX/XXXX. I have sent to Experian my dispute letter along with my Identity Theft report. XXXX and XXXX have removed it from my file however, Experian refuses to remove it. I have spoken to XXXX, XXXX, XXXX and XXXX. They are telling me that it can't be removed. I told them that this account isn't mine and that I have filed a dispute since XX/XX/XXXX. I also told them that by law they weren't supposed to report anything on my credit without my consent and I haven't given them my consent to do so. XXXX told me she didn't need my consent and that XXXX XXXX has given it to them. She told me to go to them and dispute it. I told her that her agency was reporting it. She said that it was verified. I asked her to tell me how it was verified? What number did they call? Who did they talk to? and when was it verified? XXXX says she didn't know. I demanded that it be removed. She said she can't and if I needed to start a dispute, she can assist me. I asked to speak to a supervisor. XXXX was the supervisor who told me that the documentation that was sent was incomplete. I asked how can it be incomplete I followed the instructions on their site? I told also told them that the other agencies had it removed with the same documentation that I provided to them. I told him his agency had a obligation to furnish accurate information in which they are not. He said what XXXX and XXXX does has nothing to do with him. Isn't my consumer report is supposed to be 100 % accurate according to the law? Well, it's not. At this point I am demanding that XXXX XXXX be removed. I was denied a loan for $ XXXX because of inaccurate reporting. In spite of my many letters sent to this agency, I am still having a hard time removing this item from my consumer report.
Consumer complaint received 2023-07-07
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. (GA)

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2022-10-19
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX acct # XXXX, acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX, acct # XXXX XXXX XXXX XXXX  acct # XXXX, acct # 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. I did not give them written instructions.
Consumer complaint received 2023-07-22
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. (NY)

I've a credit card from XXXX. My XXXX payment information has been continuously being misreported to the credit bureaus for months. Here 're the things that are being misreported. 

1 ) I've only one XXXX XXXX. But on my credit reports, it's showing that I've two XXXX cards, which is clearly false. 
2 ) I've no balance on my one and only XXXX card, everything 's fully paid. I paid the {$99.00} balance on XX/XX/2023, and the ACH debit payment was posted on my account as well. Whenever I login to my XXXX  account, I see that I've {$0.00} balance. But, on my credit reports it's showing that I've a {$99.00} balance for each XXXX card, so it becomes {$190.00} balance for two XXXX cards, which is also clearly false. 

I was supposed to have {$0.00} balance on my one and only XXXX card, instead they're reporting that I've {$190.00} balance across two XXXX cards, with false late payments still being counted. 

I've previously contacted XXXX about this, and I was told that the correct information will reflect on the report within 30 days from the payment date. So far, it's already been more than 2 months since the payment was made. XXXX has been reporting the false data to all credit bureaus ( XXXX, XXXX, Experian ). This's a major issue and seriously has to be fixed.