davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I started a dispute with Experian back in 2020 ( presently still sending the letters ) about my personal information needing to be updated and carry only my correct address, correct name and correct date of birth. Also, about several accounts that have been reporting inaccurately which XXXX and XXXX have seen the errors and immediately deleted the accounts. Which I find it weird for two credit bureaus to be able to remove the accounts for inaccuracies but Experian claims to verified them. How is Experian verifying them when the other two credit bureaus couldn't?. 

As of today, nothing has changed and its frustrating. I've written multiple letters ( in matter of fact every month ). I am in the process of trying to buy a house with my kids but Experian needs to update/correct/or removed the accounts. 

I currently reside in XXXX and they still have XXXX old addresses from XXXX, XXXX 

There is a XXXXXXXX XXXX  account, The Bureaus account, XXXX XXXX XXXX, XXXX XXXX. I did my research and there were inaccuracies which XXXX and XXXX agreed with since they removed the accounts. Experian have not even bother with it. Then to top it off, I send them letters every month and I get a response every other month or every 3 months. 

I just personally would like for them to review my report accordingly as XXXX XXXX and XXXX has done, How can XXXX credit bureaus agree on what was sent and did their part and Experian keeps saying its verified. Impossible!!! Wouldn't the other two have verified it too!!?
Consumer complaint received 2015-09-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Merchants and Professional Bureau, Inc. (CA)

Merchant & Professional Collection Agency is reporting to XXXX that I owe {$690.00} to them from a debt they bought from the Original Creditor which was XXXX XXXX XXXX. That debt is way past the 7 years from date of last activity or payment to that account. I have disputed with XXXX, but XXXX keeps coming back that they " verified '' the debt. Upon repeated requests to Experian on " how they verified '', they will not prove how they verified, which is a blatant violation of the FCRA. The debt was mine, but it is way past the 7 year window that it is allowed by federal law to be reported on my credit bureau. I just want it off, not fair that I should be punished for this debt forever. I will take legal action if my complaint here does not get the item removed.
Consumer complaint received 2015-11-02
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (IL)

I am very upset and disappointed in the rewards change of my XXXX credit card. The free night benefit removal has been a disappointment. In addition, I just the annual fee charged to my account. {$75.00}. 

I believe it is very bad practice to suddenly change the terms of card ; In addition the old terms were advertised in marketing materials and in statements, website. 

To add insult to injury, I just found out that US Bank and XXXX XXXX have been selectively issuing free night certificates to select customers. 

I would like to also received the free night certificate. 

Thanks, XXXX XXXX
Consumer complaint received 2021-12-28
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: 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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I mailed Experian a letter with a return receipt stating to remove my security/fraud alert as I was in the middle of buying a home. I waited XXXX weeks and called they stated they didn't have anything. I tried for XXXX hours a day for XXXX week to upload the document as they were in the correct format and size to no avail. What am I supposed to do now? 

dates are from XXXX XX/XX/2019 - XXXX XX/XX/2019.
Consumer complaint received 2021-08-24
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. (AZ)

I have had excellent credit for years and have never missed a credit card payment, and have always paid off my credit card balance in full, every month, on all my credit cards for 20+ years. Last month I stayed at a hotel and booked a villa on my credit card and had a $ XXXX balance when my statement was issued on XX/XX/XXXX ( the previous month my statement balance was less than {$1.00} ). Because of this balance on my credit card, Experian dropped my credit score from XXXX to XXXX. Before this massive drop it had never been below XXXX. Please note also that my credit card balance from XX/XX/XXXX is already paid off. 

I submitted an apartment application in XXXX as well, and my application was not accepted. One of the contributing factors was, obviously, my credit score. I consider Experian 's practices to be discriminatory if not fraudulent, since they clearly use arbitrary rules that do not accurately reflect the true creditworthiness of an individual. Along with the other two credit bureaus, they hold a monopoly on credit scores that should not be allowed to continue. 

I have not yet received updates from the other credit bureaus, so I don't know if they also adversely impacted my credit score.
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I applied for a Capital One QuickSilver credit card in XX/XX/2021 mainly because they offered {$200.00} cash back if I spent {$500.00} in 3 months. Also I thought it would be convenient since most of my banking is with Capital One. I spent more than {$500.00} in 3 months but was not given the {$200.00} cash back. When I inquired to the QuickSilver customer service, they said that they actually had 3 different QuickSilver credit cards and I was given one without the cashback feature. I was not informed of this. Also I have a credit score of over XXXX so I don't see why I was given an inferior card.
Consumer complaint received 2021-12-28
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 — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC (NJ)

Reported problem to XXXX, about credit card account INDIGO that went into collection but the collection agency doesnt appear on my credit report and I have paid amount owed to that collection agency. Called XXXX XXXX XXXX. The agreement between me and indigo credit card was I pay velocity collections and they would forward proof to XXXX as paid and to delete from my credit report. On XXXX and XXXX it was done right and it doesnt show on my credit report. So XXXX is my problem they just dont know what there doing.
Consumer complaint received 2021-12-28
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. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I have dispute several account with XXXX and I submitted complaints regarding several creditors on my credit profile. Ive submitted documents such as police report and court documents. These companies are still reporting negative on my credit profile which have caused me to to be denied for numerous of credit opportunities. Listed below you will find the complaint number from CFPB and the creditors listed. I would like these issues to be resolved immediately and not just a statement of investigation, There have been Several investigations and no results. I would like for XXXX and the companies listed to uploaded all supporting documents, regarding these debts listed on my credit profile. Otherwise, I would like to request a full investigation from the FTC. This have affected my life tremendously. Need Help ASAP!!!! 
Thank you, CFPB Complaint number with the documents attached : XXXX Companies Listed on the credit profile : - XXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX : {$7900.00} - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$170.00} XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX  XXXX XXXX : {$170.00}
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

XX/XX/XXXX XXXX XXXX temp number ( XXXX ) XXXX XXXX XXXX number ( XXXX ) XXXX XXXX To Whom It May Concern : Last Friday, XX/XX/XXXX, I went into an XXXX XXXX XXXX XXXX XXXX XXXX near the XXXX XXXX XXXX XXXX, to purchase a Jet Pack, for reception on XXXX internet network. 

I was sold a package with a XXXX XXXX XXXX ( because my moto XXXX wouldnt work ) ; promised by XXXX XXXX XXXX, that the XX/XX/XXXX first payment would be less than {$200.00}. I agreed, and waited for my number ( XXXX ) XXXX XXXX, to be changed. He even wrote down his quote on my receipt, and then denied that he wrote it. 

The number was not transferred, and XXXX has avoided me ; he left about 3:00 PM. 
He texted me the next day, saying I had threatened him, because I had pointed out that he lied to me about the price, and failed to transfer the number. He told me it was out of his hands! 

I waited through Sunday, XX/XX/XXXX, when it was apparent the number wasnt going to change. Driving back to the store, I explained my predicament to XXXX XXXX XXXX ) XXXX XXXX. She tried to help, taking back the items purchased, and returning my old phone. I called the previous carrier ( XXXX XXXX ), but was told the number wasnt available. I spent hours on hold, trying to fix this, using XXXX phone. And hours on the road. 

Today is the fifth day I have been unreachable, because my number is not in service. No one at XXXX seems to be interested in this ; there is no commission to be had. I talked to XXXX who offered to put me on customer service hold again, at the store yesterday ; I declined. 

I would like to dispute the sale, as dishonest activation fees, and therefore void : Suntrust ( Truist ) disputes ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charged XXXX XXXX - XXXX credit XXXX XXXX - XXXX credit XXXX - XXXX credit XXXX XXXX XXXX total owed Please help me restore my number, and retrieve my refund from XXXX! 

Thank you in advance for any help you may offer. 

Sincerely, XXXX XXXX XXXX : Any Interested XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Trans Union has several inquiries on my credit report that are on authorize or fraudulent and they are refusing to remove them And also a XXXX card decreased my current credit limit from the incorrect information that they received from Trans Union which I totally believe that is unfair. But then they turn right around and approve me for {$3000.00} credit card after they just decrease my credit limit because they said I had several inquiries and credit issues
Consumer complaint received 2021-12-28
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: DISCOVER BANK (MD)

XXXX XXXX has several inquiries on my credit report that are on authorize or fraudulent and they are refusing to remove them And also a Discover card decreased my current credit limit from the incorrect information that they received from XXXX XXXX which I totally believe that is unfair. But then they turn right around and approve me for {$3000.00} credit card after they just decrease my credit limit because they said I had several inquiries and credit issues
Consumer complaint received 2022-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have constantly requested from transunion and the debt collection company to validate my debt : the contract that I had with them and my signature and show me proof that I did business with them by sending me proof thru mail. And within a couple hrs they released to from investigation. They have not sent me any proof of validation.
Consumer complaint received 2019-08-07
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. (NV)

It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off XXXX 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 2021-12-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I heard about my grandfather writing a will for me stating that all his money and businesses went to me im recently hearing about this heard my aunt asked my mom for my information to get an id card for me and ended up doing fraudulent accounts with other people idk that family and tried keeping this XXXX a secret from me so I wouldn't know about my riches or businesses under my name
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

I want to ask for your help. I discovered that my Wells Fargo account have been stolen from by others, a total of {$7400.00} on XX/XX/XXXX. It has been stolen a total of 3 times. 1 ) {$2500.00} was stolen on XX/XX/XXXX. ( 2 ) {$2400.00} was stolen on XX/XX/XXXX. ( 3 ) {$2500.00} was stolen on XX/XX/XXXX. At 10 pm on XX/XX/XXXX, I found that my account was missing {$7400.00}. I immediately called the number on the back of the Debit card ( XXXX ). The person who answered the call said : We will investigate and gave my claim number : XXXX. She said the investigation will end in 10 working days and 30 days compensation. 

The second day of the investigation, XX/XX/XXXX. A letter came from Wells Fargo saying we are not responsible, we will not compensate, our bank can not withdraw money without a Debit card and password. The letter 's claim number is wrong, the date is wrong, and we are not responsible for what happened. I went to three banks to collect evidence on XX/XX/XXXX. The manager did not know at all, zero investigation. And yet they sent a letter to me saying they investigated and are not responsible for this matter, this is wrong of them, and blatantly lied to me. 

I personally went to the three branches to tell the manager about the matter and asked to view the CCTV and the written signature. The manager staff answered, " We can't do it. The record and receipt can't be provided. ID is not required for withdrawals below {$2500.00}. '' As long as the card and password are correct, money can be withdrawn from any account. Is the business management reasonable? Is it legal? How can I recover from my loss? 

Every time we come to our bank to withdraw money for more than {$1500.00}, the staff asks me to show my ID, but this time they stole {$7400.00}, and there's nothing. This bank is irresponsible and shirking. What is the name and address of the superior department of the management bank? How to deal with this matter and recover from my loss? 

My Debit card is always safe kept in my cabinet, and there is absolutely no leakage to others. It just hangs on XXXX to collect rent, and the money within it was stolen. The day after the tenant 's rent was transferred to the account the amount was stolen. What is the reason for this? 

I have always believed that the bank is safe, so it takes a long time to check the account. Please guide me on how to solve this situation and recover this loss. 

Thanks!
Consumer complaint received 2024-03-11
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. (CA)

I am a victim of identity theft and have enclosed a copy of my FTC /identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. 

You are in violation for reporting Inaccurate, incomplete, or unverifiable information. 

This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. the information does not relate to any transactions that I have made ; therefore ; I am writing to request that you place an immediate block on the fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
By law you can not decline or rescind this request because : The block or request by the me ( the consumer ) is not in error Was not requested on the basis of a material misrepresentation of fact by me ( the consumer ) I did not obtain possession of goods, services, or money as a result of the blocked transaction or transactions.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. / 15 USC Code 1681 c-2
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

I mailed a letter via certified mail to experian on XX/XX/2021 in reference to addresses that I never lived at, phone numbers that are not mine, and employers I have never worked at are reporting on my credit file. It has been over 30 days and I have not received any correspondence from experian in regards to removing this incorrect personal information. According to the FCRA after 30 days with no response items must be removed from my credit file.
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

Bank of America is misreporting on my credit. They have reported a Home Equity Line of Credit as a " charge off. '' This loan was paid off in full. I have supporting documentation that it was paid off. I have worked with Bank of America for three years to get this resolved and they refuse to change it. In that time I have paid more in interest on various loans because of this affecting my credit score. My local credit union ( XXXX XXXX XXXX XXXX ) requested a payoff from Bank of America on XX/XX/16. Bank of America did not respond. A second request was sent on XX/XX/16 so that XXXX   XXXX XXXX XXXX could pay it off and assume the HELOC. Rather than responding, Bank of America reported the loan as a " charge off '' on XX/XX/16. After again making contact, XXXX sent Bank of America a Cashier 's Check ( # XXXX ) in the amount of {$34000.00}. That check was dated XX/XX/16 and cleared Bank of America on XX/XX/16. I have made phone calls, submitted disputes through XXXX, hired a company to assist me in the matter, and still it remains unresolved. Bank of America is negligent in their practices and this needs to be resolved immediately. I have spent countless hours attempting to rectify their mistake.