davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-09
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. (OH)

Account status and balances inaccurate for XXXX XXXX - XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX  and has not been corrected after numerous attempts.
Consumer complaint received 2020-04-09
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)

I am rebuilding my credit and paying my bills on time. I only have one open thing on my credit report account and I am trying to buy a home. The real estate company stated I only need to have a credit of XXXX as a first time home buyer. 

https : XXXX XXXX loan changes that were rolled out in XXXX are in effect in XXXX. According to XXXX XXXX, more lower-credit FHA applicants are being approved. In XX/XX/XXXX, only 19 % of closed FHA loans were for applicants with scores of 600-649. By XX/XX/XXXX, that increased to 23.5 % of approvals. Lenders are loosening guidelines and encouraging lower-credit applicants to apply. 

My scores are steadily rising with XXXX  ( XXXX ) and XXXX  ( XXXX ). Unfortunately, Experian purposely stifling my score and there is an 85 point ( XXXX ) difference even though all the companies have the same information. XXXX  and XXXX  gave me an excellent and fair payment score of XXXX. Experian lied and stated my payments were fair even though I never missed a payment. 

If you look at Experian 's website they are pushing their high-interest rate credit cards and upgrades at the consumers with the promise of raising credit scores. I feel like I am being blackmailed and my credit score is being held as a hostage. At this point I can't apply for credit accounts because of them it will be declined.
Consumer complaint received 2022-02-24
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 — Was not notified of investigation status or results
Company: The CMI Group, Inc. (AR)

I received a letter from Credit Management on XX/XX/XXXX about a bill for {$180.00}. In that letter it states to dispute or respond in writing by XX/XX/XXXX which I did. I sent a certified letter # XXXX on XX/XX/XXXX and estimated delivery date was XX/XX/XXXX. Today XX/XX/XXXX I get a notification that it has been put on my credit. I called and the rep acknowledged that they received the letter and sent a response on XX/XX/XXXX and I have not received no letter. Not only have I not received the letter but they did not even give it a week before putting it on my credit report. All I wanted from them was to verify this was my debt and I could have paid this in full. They gave me no tie to receive the letter and if I did there was no time to respond. I do not think this was handled correctly and I would really like this reviewed. 
Thank you! 
XXXX XXXX
Consumer complaint received 2020-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I was late on my credit card payment ( {$60.00} ) FIRST time and for a two days only. I explained the representative that I missed the payment due not feeling well. The Representative was not willing to help me and remove the late fee ( {$25.00} ) despite frustration and pain caused by coronavirus.
Consumer complaint received 2019-12-31
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)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've explained my situation to the credit bureau on several different letters. I am an identity theft victim and their are accounts on my credit report that does not belong to me. This is my last and final attempt to resolve this issue before I exercise my rights and contact a lawyer. I need these accounts removed immediately. I have a business I own and am being penalized because of these items that are reporting on my credit report and I'm also in the process of buying a home. I need these accounts removed immediately ....
Consumer complaint received 2023-01-06
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. (NC)

Attention : Experian credit Bureau And XXXX Credit Bureau : I am providing the additional Information you requested. 

This is my XXXX complaint where you have continued to ignore the identity theft report and is making me jump hurdles to Get this fraudulent information off my credit report. 

Per your request I am providing the report Number and the law enforcement contact information of the identity theft report. 

Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Experian and this complaint includes The additional information you requested.
Consumer complaint received 2024-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct :
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2023-06-24
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aldous & Associates, PLLC (TX)

Once again, federal law requires written notification of a debt BEFORE you play something on somebodys credit. Responding to the complaint I have made because you broke the law do not count. I am filed a complaint with the Utah state bar against your attorney. If you dont believe me his bar number is XXXX 
This is your last chance to remove this from my credit before I sue you. And I intend to make it a class action lawsuit. 
1. You have admitted in writing that you didnt notify me prior to putting it on my credit, that parking is illegal.

2. After having multiple letters returned according to the resident of that address and me telling you that was not my address, you violated, third-party disclosure by sending yet another letter with your name, clearly visible.

3. And last, but not least, you have continued to break the law I will not stop until I put you out of business.

4. I have forwarded a copy of this complaint and all of their responses directly to their client. 


REMOVE THHHISS FROM MY XXXX
Consumer complaint received 2022-02-24
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. (FL)

My name is XXXX XXXX, There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2020-03-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

During XX/XX/XXXX Merchant XXXX XXXX Charged me {$81.00}. 

During XX/XX/XXXX XXXX XXXX Charged me {$25.00}. 

During XX/XX/XXXX XXXX XXXX charged me {$25.00}. 

During XX/XX/XXXX XXXX XXXX charged me {$25.00}. 

During XX/XX/XXXX XXXX XXXX charged me {$25.00}. 


XXXX  XXXX is a Gym Where I started receiving service as a member, but according to the contract, they were only supposed to charge me {$10.00} monthly, and the amount of {$81.00} was a completely unfair charge for no reason nor did they provide me any reason for it. My Bank of America credit card account is in jeopardy because of all the unfair and overcharging misbehavior and misdeeds done by Merchant XXXX XXXX, and I'm afraid that justice will not be done to me in this case.
Consumer complaint received 2022-02-23
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: Capio Partners, LLC (KY)

I have a duplicate debt reported on my credit report. It has already been reported on my credit report, and this new collection company, keeps reporting the same debt thats already on my credit report. Same debt, just a different collection company.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

I have been a customer of XXXX XXXX XXXX  over 6 years and I had a credit card with them with a card limit of XXXX . I was involved in an accident in XXXX in XX/XX/XXXX and I lost my wallet and everything. I lost my parents in that accident and went into XXXX XXXX XXXX and was hospitalized till XX/XX/XXXX. When I got back I saw my two credit card was maxed out and two others were open under my name. I reported to the police and try to connect with the banks as well. They not only did not help but they ruined my life by charging me more and ruining my credit. I have tried to explain several times but they do not want to help. I have been terrified by phone calls and threats that they will go further. I am in a situation of shock and they denied to do their job, protect me and my money. They have not reached out to me but are calling and causing problems to my family members who are not in the application at all. They are using personal information to threaten me and not take responsibility of my money. I have disputed amounts several time and they can see that all the charges are were done internationally and online but they denied that to me.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have been a customer of Bank of America over 6 years and I had a credit card with them with a card limit of XXXX . I was involved in an accident in XXXX in XX/XX/XXXX and I lost my wallet and everything. I lost my parents in that accident and went into XXXX XXXX XXXX and was hospitalized till XX/XX/XXXX. When I got back I saw my two credit card was maxed out and two others were open under my name. I reported to the police and try to connect with the banks as well. They not only did not help but they ruined my life by charging me more and ruining my credit. I have tried to explain several times but they do not want to help. I have been terrified by phone calls and threats that they will go further. I am in a situation of shock and they denied to do their job, protect me and my money. They have not reached out to me but are calling and causing problems to my family members who are not in the application at all. They are using personal information to threaten me and not take responsibility of my money. I have disputed amounts several time and they can see that all the charges are were done internationally and online but they denied that to me.
Consumer complaint received 2020-03-26
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CNG HOLDINGS INC (CA)

I was contacted multiple times by this company demanding payments that were incorrect I have also submitted in writing disputing the amount this company and XXXX XXXX XXXX were both sued multiple times for overcharging customers false advertisement and incorrect billing they also have been alerted multiple times to the XXXX XXXX XXXX  and have a alert placed On their company and there was a class action lawsuit that I wasnt was not aware about until now. My fianc has passed away and I need everything to repair my credit and this is the only creditor that has yet to resolve this issue I would like to have this removed from my credit report due to incorrect in overcharged fees and harassment Attached is proof of the above information.
Consumer complaint received 2016-11-01
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (GA)

Turned down twice in XXXX and XXXX by Wells Fargo for extension of current HELOC - variable/prime ( now at limit ( $ XXXX, since XXXX, or new HELOC. First mortgage paid off in XXXX. I have credit score over XXXX and equity in condo of over {$160000.00} XXXX I will be XXXX next month, and am living alone. My average annual income since retirement in XXXX is XXXX {$XXXX}. WF turned me down twice, explaining ( XXXX ) they are at the mercy of government regulations concerning ratio of income to credit exposure. Income is composed of about half fixed benefits, ( pensions and SS ), and half from IRA distributions from XXXX IRA, now at a level of {$XXXX}. Reasons for loan extension request of {$XXXX} is to replace IRA distributions for 2 year period ( XXXX & XXXX ). I want to reduce taxable income for that time, and finance repairs and improvements to home in preparation for sale and likely future retirement living in a group facility.
Consumer complaint received 2022-02-24
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASEUPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY XXXX : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-02-24
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX 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 2020-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (CA)

This company is tried to collect on an alleged debt that was already paid and already removed from all three bureaus of my credit report. I have never heard of this company, nor their attempts to collect this alleged debt until I received notice from my credit monitoring service that I had a new collection.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-02-23
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. (MS)

I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CNG FINANCIAL CORPORATION (UT)

The credit bureaus XXXX and XXXX  are reporting inaccurate information on my credit file. They are reporting a late on Axcssfn/cngo for XX/XX/19. I have never been late and it needs to be removed off my credit. I didn't know this late was reporting until I checked my credit.