davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
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: Experian Information Solutions Inc. (TX)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XX/XX/2022 XXXX CO XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Consumer complaint received 2022-04-14
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. (MD)

On XX/XX/2022 I contacted Experian about the following negative accounts ; XXXX  ( Account Number : XXXX, Date Opened:XXXX, Balance : {$930.00} ), XXXX ( Account # XXXX, Date Opened:XXXX, High Credit : {$180.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-05-25
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. (TX)

FCRA violations : inquires not mine XXXXXXXX XXXX XXXX XXXXn XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX CXXXX Inquired on FCRA violations : accounts not mine XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} XXXX XXXX  account. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1100.00} XXXX XXXX account. {$11.00} XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$1400.00} written off. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$390.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$650.00} XXXX Account charged off. {$650.00} written off. {$650.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$440.00} XXXX Account charged off. {$440.00} written off. {$440.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$1100.00} written FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-05-25
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. (TX)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-13
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. (NE)

XXXX XXXX XXXX XXXX XXXX XXXX* XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX michigan XXXX contact # : XXXX XXXX XXXX XXXX  on monday XX/XX/ 2014 i paid off LOAN. 
i was enrolled in auto-pay for years almost guaranteeing their money each month. 
I ( PAID-OFF ) loan sooner then what was due, but this company put on my credit report negative discrepancies. 
I PAID OFF MY CAR LOAN, PAID MY CAR PAYMENT, EVERY MONTH
Consumer complaint received 2021-12-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: M&T BANK CORPORATION (VA)

I had a Home Equity line of credit with my bank M & T XXXX XXXX XXXX MD XXXX I sold my condo and went to closing on XXXX/XXXX/21. I closed all my accounts with M & T bank because I moved to XXXX  Va where there are no M & T banks. It is now XX/XX/XXXX a full month after the Line of credit was paid off and my accounts were closed, however M & T bank has not yet listed my line of credit account as closed. In addition the loan has a - {$610.00} balance they owe me at the same time they want me to pay them {$95.00} left due on my overdraft protection account. As the checking account is closed I have no way to pay this amount due online. I want these accounts closed and listed as paid in full. My credit score dropped 45 points in 1 day due to this mortgage loan on a home I sold at closing a month ago. I want the left over line of credit funds used to pay the overdraft protection amount due. As soon as possible as this continues to hurt my credit score. I have sent notarized letters requesting this resolution but it has been over 2 weeks since M & T acknowledged receiving notarized letter yet accounts still listed exactly as they have been incorrectly for weeks.
Consumer complaint received 2021-12-13
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: EQUIFAX, INC. (TX)

i sent out disputes on XXXX/XXXX/21 and haven't heard anything back in 71 days, I feel like im being ignored of my disputes. in section 611 ( a ) its plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove from my credit report, i demand these accounts be deleted promptly or i will file for litigation, my information was also impacted by the Equifax data breach
Consumer complaint received 2021-12-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NC)

My work income was severely affected by the get-go of the Pandemic and i fell behind since XX/XX/XXXX- I am a XXXX XXXX and visit Clinic & Hospital Facilities ; as of XX/XX/XXXX- I signed for Forbearance for my loan # XXXX with XXXX aka XXXX until XX/XX/XXXX when I was entered into 3-month Trial Period for XXXX, XXXX XX/XX/XXXX -- which I paid religiously on time but XXXX sold my Loan and the new Fay Servicing claims they did not receive any documentation from XXXX showing that I was in compliance and locked Loan Modification for they to continue and honor the agreement. Last documentation with XXXX instructed me to start new payments to XXXX as of XXXX XXXX but XXXX is playing hide-go-seek with me, not returning my Tre-Way-Calls, not responding to my multiple emails and lastly their website is not allowing me to make any payments but instead, they want me to sign a Deed-in-Lieu ( every email i have submitted to them includes the documentation, the Loan Modification duly Notarized and my XXXX XXXX XXXX Statements reflecting the days those payments posted and cleared. 
To help myself avoid all this mess I signed a contract and paid {$750.00} x 5months to XXXX XXXX so-called Real Attorneys out of California, ( Deposit directly on their XXXX XXXXf XXXX Checking Account ) between the months before entering the Trial Period with XXXX, but they just took my money every month and who knows how many other homeowners have been victims of this nonsense - scam - and malicious criminal activities since the beginning of the Covid-19 Pandemic times. I have documentation and all kinds of recorded conversations, receipts, bank statements, and email traces to back my story ; i have the money to make my payments to XXXX but they don't want my money, they want just to take my home away from me to leave me in the cold without roof over my heads because my house is sitting on a pile of equity, it is on a piece of huge land and they want to Foreclosure me to Sell for Big Profit. That there is criminal and can not go unpunished. 
I reported this also to Ms XXXX XXXX at the local XXXX and provided her with all details, emails, documents, receipts, Bank Statements ; someone has to HELP me- Please. XXXX XXXX  XXXX XXXX ( XXXX ) XXXX -- Home XXXX XXXX XXXX XXXX NC XXXX
Consumer complaint received 2023-06-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (SC)

I sent {$110.00} in Bitcoin to a friend through CashApp. Unknown to me at the time of sending the money he had closed his account. Cash app excepted the money and completed the transaction even though his account was closed. He is now unable to access his account. They have refused any type of help to resolve the situation.
Consumer complaint received 2022-05-25
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. (NJ)

Experian has committed aggravated identity theft against me for the non-consent or legal authorization to use, disclose, obtain and resell my non-public personal information my false statements and misrepresentation. Also, I filed a Identity theft report with the FTC for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXor the unauthorized use of my credit card that I didnt benefit from. Experian refuses to to remove these accounts from my credit file. This identity theft report and request for removal was not made in ERROR, I did not obtain any goods, services, or money, nor is this a misrepresentation of any sort. Per 15 USC 1681c-2 you must block and remove.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2022-05-25
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. (TN)

To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 


These are clear violations of my federally protected consumer rights
Consumer complaint received 2024-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently looked up my credit report on XX/XX/year> and sent letters to Transunion. my tracking numbers are XXXX, XXXX, XXXX. They said the letter did not appear to be sent directly by me, however in the letters it states " I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. '' It is clear they did not read or attempt to process these disputes. They sent an automated letter to stall. I have attached the highest identification documents possible. This has been extremely damaging to me as it has been over 90 days. these inaccurate items has caused me to be denied credit. I have done everything in my power to try to fix the situation with nothing being done. This is my last effort before seeking litigation.
Consumer complaint received 2022-05-25
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. (TN)

To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 


These are clear violations of my federally protected consumer rights
Consumer complaint received 2019-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WV)

Unauthorized accounts on my credit report by all three Credit Bureaus ( XXXX, XXXX, Experian ) XXXX XXXX  XX/XX/XXXX, XXXX, XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  /XXXX  XXXX XX/XX/XXXX. Which violates Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2021-12-13
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. (GA)

The following accounts listed below were all opened fraudulently without my consent and Experian is reporting fraudulent accounts which is against the law XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NC)

i had a idenity theft happen to me and somebody i knobelieve it is paid off my mortage without my concent and then about a week later they called in and pretend to be me and had the payment be reversed which now just put me behind on payments, now not only are they fight me about a payment that ws made by me and will not put it towards my balance but they are giving me a very very very rough time on working with me on something that happened and that was not in my control or my fault so they will not work with me to fix this so need help and i want whiever is responsable for also giving out my personal informatiom to pay for what they did and punished to the full extent including charges and being fired thank you for your time and concideration also if you have a fax number i can send over the rest of everything i have
Consumer complaint received 2021-12-13
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. (NC)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-12-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

I had fraud on my account and Citibank and they refuse to help and credit my account. They are giving me the me the run around. I have tried to fix this problem with them and they are treating me as a criminal when I am the victim of fraud. The following are the transaction dates and amounts : Transaction Date Amount XX/XX/2021 {$99.00} XX/XX/2021 {$84.00} XX/XX/2021 {$49.00} XX/XX/2021 {$46.00} XX/XX/2021 {$99.00} XX/XX/2021 {$74.00} XX/XX/2021 {$170.00} I have attempted to resolve this issue three times and they refused to help. Very upset with this bank and how they are treating their customers.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (MI)

my cash app was closed all of a sudden with money in it and it said for violation of terms i did nothing but deposit money from my card to cash app and from cash app to my card i was given no real reason nobody could assist me with this situation i was told there was nothing they can do or no way i could speak with any one and i still have no answer or reason to y my account was closed i have been a customer for a long time and never had a problem i ordered a new card i paid for and was told i wont be able to use it and can't get a refund or a reason y my account is closed
Consumer complaint received 2024-03-09
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. (NC)

I requested that XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX be removed from my credit file.
Consumer complaint received 2023-03-03
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. (TX)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-12-13
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: TRUIST FINANCIAL CORPORATION (AL)

XXXX XXXX, XXXX XX/XX/2021, XXXX XX/XX/2021 Several inquiries were reported and placed on credit report without knowledge to the consumer that credit checks were being acquired. None of these inquiries resulted in established open accounts. Requests to have these inquires removed have been ignored by the companies and credit bureaus.
Consumer complaint received 2021-12-13
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: Mortgage Research Center, LLC (AL)

Dates:XXXX  XXXX, XXXX XX/XX/2021, XXXX XX/XX/2021 Several inquiries were reported and placed on credit report without knowledge to the consumer that credit checks were being acquired. None of these inquiries resulted in established open accounts. Requests to have these inquires removed have been ignored by the companies and credit bureaus.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX, XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-06-23
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: Block, Inc. (LA)

My Cash App account was closed 4 months ago because Cash app refused to properly handle a Dispute On this morning I checked my Cash Account it was closed I contacted Cash App only to be told I violated terms of there Service and no further action would be taken and that she was not allowed to give me Violation results and hung up