davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will fill for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-11-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently retained copies of my credit reports and saw inaccurate and unknown accounts. I disputed with TransUnion via certified letters. They received my initial dispute letter on XX/XX/2020. I have proof via certified mail receipts. By law they have 30 days to reply to me in regards to my claim. Meaning they had to reply to me by or before XX/XX/2020. They even disclosed that information on their online portal. I did not receive a response until XX/XX/2020. In my initial letter I was asking for proof, bearing my signature, showing that I have a contractual obligation to pay the furnisher the amounts claimed. This information was not supplied and was told that the accounts were verified as accurate. I have asked for a list of names, addresses and telephone numbers of the people who claim to have verified these alleged accounts without having actual proof, bearing my signature. I sent them a letter regarding this matter and they received it XX/XX/2020. According to law, they still have a couple days here to reply to me but this is getting out of hand and my issues and concerns are not being solved. I am not getting the documentation I am requesting to complete my investigation. Additionally, the furnishers are required to place a " notice of dispute '' on the alleged accounts within 30 days of the dispute and that was not done either.
Consumer complaint received 2020-11-11
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. (GA)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND AND SOCIAL SECURITY NUMBER TO OPEN A XXXX  XXXX CREDIT CARD IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & XXXX XXXX ; XXXX On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-11-14
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. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$16000.00}
Consumer complaint received 2020-11-11
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)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND AND SOCIAL SECURITY NUMBER TO OPEN A XXXX  XXXX CREDIT CARD IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA & XXXX 39 ; sXXXX On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-11-14
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. (NY)

In this CFPB complaint, XXXX XXXX is requesting once more that the credit reporting agencies remove the challenged fraudulent accounts that are still shown on my credit record. According to Fair Credit Reporting Act Section 605b, the Credit Reporting Agencies are required to erase any accounts and information that were the result of identity theft. I was a victim of identity theft once more, and I'm requesting once more to have information gained through identity theft deleted from my credit report. In line with FCRA 605B ( 15 U.S.C. 1681c-2 ), any accounts must be deleted no later than four business days after XX/XX/XXXX. I had shared this report in my previous letter, and I'm publishing it again. I have my questions regarding the veracity of the information you provided on several accounts because I am UNKNOWN to you and REMOVED from other bureaus. My credit report should be cleared of the following accounts : XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$3200.00} XXXXXXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXXXXXX Date AssignedXXXX Original Balance {$2900.00} XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Balance {$1300.00}. Despite their inability to send me copies of the proof of verification from their investigation, the Credit Bureaus kept the disputed accounts on my Credit File! Since the Credit Bureaus ' actions violated a consumer 's FCRA rights, the accounts should be immediately terminated.
Consumer complaint received 2020-11-11
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)

the accounts listed ( XXXX  XXXX ) are fraudulent someone used my photo id and social security number to open these fraudulent account in my name THESE ACCOUNTS DO NOT BELONG TO ME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & XXXX  XXXX ; XXXX On XX/XX/20, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My account with ( XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2022-11-06
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

I have been paying XXXX of XXXX of credit card debt off without cancelling or closing my accounts and my credit score keeps going down. The last score drop was over XXXX points for paying down my credit card debt by {$100.00}. I have contacted Equifax about my score and why it keeps going down when Im paying down debt and they refuse to allow me to talk to a member of management to resolve this situation
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (NY)

XXXX XXXX XXXX ran a LexisNexis Credit report on me in XXXX of 2020. This was done without my knowledge or consent the letter from XXXX XXXX XXXX states : XXXX XXXX XXXX at XXXX XXXX XXXX XXXX  XXXX NY Notices XXXX XXXX XXXX, XXXX, NC XXXX. It was a very strange letter. I can provide it if needed. 
The letter stated to contact XXXX XXXX or LexisNexis for a Free Copy of the credit report. Neither would give me a copy. 
The letter stated to contact the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX on both XXXX and Lexis Nexis. XXXX XXXX Financial Services Examiner 3 at the XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXX } responded back approximately 6 months later stating they have no authority over credit related matters. XXXX XXXX said he closed my case ; he gave no advise.
Consumer complaint received 2020-11-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Resurgent Capital Services L.P. (NH)

I am called every morning before at XXXX XXXX. Just this week alone, I was called at XXXX XXXX on Sunday, XXXX XXXX on Monday and XXXX XXXX Tuesday. This has happened every day for weeks.
Consumer complaint received 2022-11-14
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. (NY)

In this CFPB complaint, XXXX XXXX is requesting once more that the credit reporting agencies remove the challenged fraudulent accounts that are still shown on my credit record. According to Fair Credit Reporting Act Section 605b, the Credit Reporting Agencies are required to erase any accounts and information that were the result of identity theft. I was a victim of identity theft once more, and I'm requesting once more to have information gained through identity theft deleted from my credit report. In line with FCRA 605B ( 15 U.S.C. 1681c-2 ), any accounts must be deleted no later than four business days after XX/XX/XXXX. I had shared this report in my previous letter, and I'm publishing it again. I have my questions regarding the veracity of the information you provided on several accounts because I am UNKNOWN to you and REMOVED from other bureaus. My credit report should be cleared of the following accounts : XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$3200.00} XXXXXXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXXXXXX Date AssignedXXXX Original Balance {$2900.00} XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Balance {$1300.00}. Despite their inability to send me copies of the proof of verification from their investigation, the Credit Bureaus kept the disputed accounts on my Credit File! Since the Credit Bureaus ' actions violated a consumer 's FCRA rights, the accounts should be immediately terminated.
Consumer complaint received 2020-11-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will fill for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-11-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Thaxton Investment Corporation (GA)

On XX/XX/2020 I received a call at XXXX. The caller asked to confirm my identity then stated that they were trying to get a message to my sister. The caller introduced themselves as XXXX calling from Covington Credit. She wanted me to let my sister know they were trying to reach her. I initially took the information to pass it along, but did a quick XXXX search to confirm if it was a scam or debt collector. I immediately found out is was a loan company, and the first review I read stated, " if you are late AT ALL they will call any family member of yours that they can and harass them. '' That business practice is unacceptable. My sister 's personal business is for her alone and not anyone else 's business. By calling me on my personal cell phone during work hours they wasted my time and disclosed information that should have been kept private between their company and my sister. I also found out that they had also contacted our father and disclosed information to him, including an estimate of the amount she owes. In talking with them he was even told the monthly payment and he told me he sent a check. This company should be fined for disclosing this information and if they cash a payment from a family member they should be shut down. I tried to reason with the manager that what they were doing is wrong, but she was very rude and condescending. If you are going to interrupt my day with something that is not even my financial business then you need to be ready to give a thorough explanation in a respectful manner. I'm sure this manager would not appreciate me harassing her family members.
Consumer complaint received 2020-11-11
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: CITIBANK, N.A. (DC)

I am requesting a {$300.00} credit to my CITI credit card. 

I have disputed and continue to dispute a XXXX XXXX, 2020 charge for {$300.00} with XXXX.XXXX. 

On XX/XX/2020 CITI generated a letter to me saying the investigation was closed in the merchant 's favor and I had until XX/XX/2020 if I wanted to continue the dispute and submit evidence. I never received a copy of that letter. 

In early XX/XX/2020 I accidentally found the letter in my CITI account. I immediately submitted additional evidence and made about six follow-up phone calls as my case was not resolved. 

On XX/XX/2020 CITI generated another letter saying the investigation would be closed as my additional evidence was not submitted by the XX/XX/2020 deadline. Again, I received no copy of this letter via mail or email or other digital alert, but I did accidentally find it in my account. 

On XX/XX/2020 at about XXXX XXXX  EST, I spoke with billing dispute supervisor XXXX. 
Per her admission, neither the XX/XX/XXXX nor the XX/XX/XXXX letter was sent to me in hard copy. 
Per her admission, I was enrolled in paperless communication. 
Per her admission, no email or other alert was sent to me in regards to that XX/XX/XXXX or XX/XX/XXXX letter. 

However, per the TERMS & CONDITIONS of paperless enrollment, for such legal notices, " we will notify you by email ''. ( Those Terms & Conditions pasted below. ) As such, CITI did not abide by their terms & conditions of my paperless enrollment, and by not abiding by their duty, I was not informed of the deadline. However, as soon as I learned of the deadline by accident, I immediately responded both by letter and numerous phone calls. 

In simpler terms, CITI said they would keep me updated by email, yet they set a deadline and never informed me of it. But then in their XXXX XXXX, 2020 letter, they are finding against me, as I did not abide by their deadline that they did not tell me about it. 

CITI 's mistake of no email notification is their fault alone. While CITI must abide by XXXX 's dispute process, but for CITI 's mistake, I would have met the deadline. 

I request a {$300.00} credit from CITI to my credit card. 



" Enrollment in Credit Card Paperless Statements and Other Communications " We send cardmembers various types of legal notices, including notices of increases or decreases in credit lines, privacy notices, account updates and statements. Currently, we can provide some of these legal notices, including statements, electronically. We are working towards being able to provide all of these legal notices electronically. When we are able to provide all legal notices electronically, we will notify you by email. In the meantime, if you choose to receive legal notices electronically, you will need to monitor both your U.S. postal mailbox and your email inbox for legal notices. ''
Consumer complaint received 2022-11-14
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. (GA)

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 Account name : THE BANK XXXX XXXX MI XXXX Account Name : XXXX BANK XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX 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 state 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 crime 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 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

The information that would reflect positive has left off my report such as a paid off home paid off bankruptcy paid off car inadequate severely negativity is on there when uploading proof they say they have not gotten it or it won't upload when sent they claim never received I keep explaining myself twice over and never get a positive answer nor solution. I worked hard and gave up a lot of money to correct my issues and I still have a poor score which has gave me higher interest rates or flat out denial of credit..I want the corrections made I have lived in the same house for 20 years got the letter paid in full XXXX XXXX congratulations gave up thousands of dollars to pay off my bankruptcy just to still see a poor credit score not fair when creditors look and see all the negativity how can I ever get ahead of all of it. Why do we have credit bureaus if they will not have current and correct information and all I hear is we understand NO they do NOT because it isn't them being effected it is me and my daughter being a single mom after an XXXX XXXX  injury trying to get back on track in my life I can't and I gave up all that revenue to fix the main issues all for nothing. I need help
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (IL)

I always paid on time, and this giving me XXXX, 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