davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
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. (NY)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-10-03
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: BARCLAYS BANK DELAWARE (NY)

I was mistakenly/fraudulently charged on my Barclays Arrival Card by a company for something I did not approve. Barclays flagged these charges and blocked them after confirming with me that I did not approve them. Subsequently, Barclays reversed this block and charged me citing " documentation '' received from the company. 

I tried to contact the company, XXXX, about these charges but they have been unable to provide me the requested documentation. I also contact Barclays and they said they would send me the documentation they received so that I could review it as well. After contacting them via phone and by mail multiple times over a 6 week period I did not receive the documentation. 

I would like to formally complain about my treatment in this matter as I have a right to review these materials.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX FCU - Account Number : XXXX
Consumer complaint received 2023-05-25
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. (NC)

Submitted a dispute to the credit agency about inaccurate information being reported on my report and the did not properly investigate my disputes. 

According to the law 15 U.S. Code 1681a Definitions ; the term investigative consumer report means a consumer report or portion there of in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. However such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency which when such information was obtained directly from creditor of the consumer or from the consumer. I would like to know, 1. Who did they talk to. 2. How did they complete this investigation.
Consumer complaint received 2023-01-17
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA (FL)

I previously reported the loan servicing for not doing what theyre supposed to do on my credit report however, they want to claim that the debt or balance is still there. However, these loans have been XXXX. There is no more debt or balance to be owed and FedLoan servicing keeps fraudulently reporting. They need to fix this issue or they will be litigation. This is not going to continue and I will not continue to be financially harms by Fedloan servicing for them not doing what theyre supposed to do.
Consumer complaint received 2022-10-03
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: Experian Information Solutions Inc. (MD)

Account name : # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-17
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. (SC)

XXXX XXXXXXXX credit limit is different on each bureau the last reported dates do not match and the date last active is reported Different on each report In accordance with the Fair Credit Reporting act 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 an 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 reason
Consumer complaint received 2023-06-26
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)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-01-17
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. (SC)

XXXXXXXX XXXX XXXX XXXX  is different on each bureau the last reported dates do not match and the date last active is reported Different on each report In accordance with the Fair Credit Reporting act 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 an 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 reason
Consumer complaint received 2023-01-17
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. (SC)

XXXX XXXX credit limit is different on each bureau the last reported dates do not match and the date last active is reported Different on each report In accordance with the Fair Credit Reporting act 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 an 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 reason
Consumer complaint received 2023-01-17
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. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-17
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. (MD)

I sent a letter out on XXXX XXXX to XXXX and Equifax about a XXXX collection accounts which is XXXX XXXX XXXX and diversified adjustment However the credit bureaus sald they completed the investigation and everything was XXXX XXXX accurate. 

According to the law 15 U.S, Code 6 1681a - Definitions ; rules of construction. 
The term " investigative consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to. 
How did they complete this investigation I want the CFPB to publish this description on consumerfinance.gov so that others can learn
Consumer complaint received 2020-03-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (OR)

I applied for a mortgage on XX/XX/XXXX with a Float option. The loan officer accidentally had me sign a Lock option. She told me that one will be discarded. I asked to exercise my Float option, but the told me it was already locked. I provided a copy of the Float document I had signed. They told me it was locked. They changed the 'signed on ' date of the original accidentally submitted lock document to make it look like I had submitted the lock agreement three days after the Float. They have not responded to my numerous requests to address this. Then today I fing they changed my home insurance to show they are the third party interest on XX/XX/XXXX. I have not signed closing documents yet. They have not yet set an appointment to sign. I request they accept my request to cancel the loan and to refund the money I prepaid them.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
Consumer complaint received 2023-01-17
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2024-03-21
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TN)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-12-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

Despite numerous disputes, the erroneous information persists, staining the overall standing of my credit report. I demand immediate action to rectify this issue and request the removal of these inaccurate late payments. 
Account Information : XXXX XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have consistently made timely payments for the mentioned account, and it is disheartening to see that inaccurate late payments continue to be reported on my credit file. This misinformation is negatively impacting my credit standing and hindering my ability to secure favorable financial opportunities. 
I am formally requesting the immediate removal of the inaccurate late payments from my credit report. The Fair Credit Reporting Act ( FCRA ) mandates a prompt resolution of consumer disputes, and it is imperative that you adhere to these guidelines to ensure the accuracy of my credit report. The prolonged existence of these inaccuracies despite previous disputes is unacceptable, and I demand immediate action to rectify this situation.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/2022 XXXX and XX/XX/2022 XXXX XXXX issued inquiry. 
There were unauthorized transactions made with this card. 
Noticed collections on XXXX XXXX  Filed dispute with all XXXX credit beauros Dispute was corrected and collection was removed. 
Transunion has Deliberately denied me to dispute fraudulent activity on my consumer report. 
My credit score dropped XXXX points From XXXX to XX/XX/2022 XXXX to the fraudulent account.
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (SC)

on XX/XX/2022 td bank closed my account without reason and are illegally withholding funds ( {$550.00} ) that i deposted cash into a td branded atm. they promised to reach back out to me within 30 days with no response. with every attempt to contact i received cold transfer and misinformation and im still not given an exact date when my money will be returned or the reason my account was closed in the first place
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (PA)

After paying on a no-interest 24 month purchase, for two years, Comenity Bank suddenly and without warning charged me {$650.00} in interest on the purchase. The final payment was about {$100.00}. 

I had my account on auto-pay, but the final payment on that purchase was not included in the autopay payment. Thus, I missed it and they charged me the interest. 

I was not sent an email or text messaged about this imminent interest charge, despite being on their call/text list for account information. I regularly receive marketing and account information in those ways from Comenity for this account, so it is perplexing why they would not contact me. 

Two deaths in my family prevented me from dealing with this account until now. I called Comenity on XX/XX/17 at XXXX and they said they could not eliminate the charge or issue me a credit. 

I am filling a complaint that they violated consumer protection laws by not informing me of the impending {$650.00} interest charge, by not increasing my auto pay amount at that I could pay the balance and avoid the charge, and by not offering to me to increase my auto pay so I could avoid the charge.
Consumer complaint received 2023-06-09
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. (NY)

I submitted a complaint to the CFPB on XX/XX/XXXX about the incorrect information being reported on a XXXX XXXX account by Equifax and XXXX along with evidence that showed that claims of the account being verified as accurate were not true because both credit bureaus were reporting different payment history data for the same account. I received an email from the CFPB stating that Equifax has responded to the complaint and stated they needed more time to look into the matter. I updated my Equifax credit report today XX/XX/XXXX and once again in what seems to be deceptive practices, I see that Equifax has once again reported inaccurate information on this account. I have uploaded my XX/XX/2023, Equifax report along with the Equifax credit report I previously uploaded on XX/XX/2023, to show and have documented that Equifax is not acting in good faith, continues to misrepresent my credit file, and also to have my countless attempts to resolve this issue on record as supporting evidence, as my next course of action will be to sue Equifax for compensatory and punitive damages. I will also be sending a complaint to the NY Attorney General 's office.
Consumer complaint received 2018-11-07
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. (NC)

1 ) I called TransUnion/XXXX and sent dispute letters as well stating acct # XXXX for amount {$630.00} is not my account it was open fraudulently and it still has not been removed. I also called the collection agency XXXX XXXX XXXX XXXX and disputed it on there end. I have been disputing this account since it appeared on my account and I will not be accountable for an account I never opened. 

2 ) I called/sent dispute letters to TransUnion/XXXX stating acct # XXXX for amount {$320.00} is not my account it was open fraudulently and it still has not been removed. I also called company stating I never opened the account please remove amount or detach my name on the account and no action. I have been disputing this account since it appeared on my account and I will not be accountable for an account I never opened.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-01-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/23 It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Failure to comply with the deletion demand if you are unable to provide XXXX XXXX COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the State of YOUR STATE. Additionally, if you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal and punitive damages available by law.