davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-19
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. (FL)

Experian DID NOT verify the information into XXXX XXXX XXXX remark on my credit report. They didn't verify the date that it was opened, they DID NOT verify the address and signature on the application, they did NOT verify the status, all they did was say it was updated. 

PER the FTC that is NOT a proper method of verification. Again, I have NO signed contracts with XXXX XXXX XXXX, the address they supposedly verified I never lived. So, how can they verify the information. Name and JUST SOCIAL SECURITY NUMBER? I thought when you applied for credit, you had to also put the address you resided in addition to your name and social XXXX XXXX XXXX - Account Number - # XXXX
Consumer complaint received 2022-05-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion customer service would not help and take care of the hard inquiries reporting to your credit report.I am a victim of their inquiry issue I spoke with transunion customer service on XXXX said to call back they would research XXXX no record of research being done call back XXXX no record of research, asked which hard inquiries I needed removed I listed them, advised wasnt part of the hard inquiry issue Filing complaint with CFPB Here is a list of hard inquiries that are not attached to any account and I havent signed for XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX
Consumer complaint received 2021-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (SC)

I was offered {$75.00} after spending at least {$37.00} twice with XXXX. I did this and earned it in XXXX. I called US Bank and have offered pictures ( attached ) and they confirmed that I qualify after being transferred to multiple departments with incompetent people. They have still not offered me the credit. Per their terms, also attached, I'm supposed to receive this offer in 5-7 business days from XX/XX/XXXX. It's shows that I have earned it but they won't pay me per their promotions. It's now XXXX.
Consumer complaint received 2019-11-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF HAWAII CORPORATION (HI)

I went into Bank of Hawaii and ask for a personal loan to build credit. I felt uncomfortable because they was stereotyping me because of my ethnicity. I asked for {$1500.00}. I had my direct deposit going into the account, so they knew I was a substantial amount of money to pay the loan back.
Consumer complaint received 2021-11-15
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)

On XX/XX/XXXX I sent a dispute to TransUnion about the following accounts : XXXX CARD ( Date Opened XXXX XXXX, XXXX, Credit limit {$7100.00} ), XXXX ( Date Opened XXXX XXXX, XXXX, Balance {$0.00} ), XXXX XXXX XXXX ( Date XXXX, Credit limit {$1800.00} ), and XXXX CARD ( Date Opened XXXX. XXXX, XXXX, Credit limit {$10000.00} ). It's been over 5 months since I send the disputes and till this day TransUnion have not respond as they are obligated by Federal Law. Attached is the dispute I sent to TransUnion on XX/XX/XXXX.
Consumer complaint received 2021-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (WA)

On XXXX, a collection of {$230.00} appeared on my credit report regarding an account that I don't own, and I have never opened a XXXX account. I contacted collection agency ( CCS ) on XXXX, and learned that the report was filed from XXXX against an account I do not know about, and do not own. 

However, what I also learned was that the account owners name was not even my name, yet somehow XXXX & CCS claimed it was me owning them the debt. 

I filed an report to XXXX as directed by CCS on the same day ( XXXX ), and have kept in touch with them every day since XXXX does not disclose investigation progress anywhere else except for phone calls. Every call, XXXX either came back with asking for more information that has been provided to them, or downright saying they are still investigation without providing any more detail. I also asked to speak to the supervisor, hoping to explain the situation clearer, but the customer service never allowed me so, and always refuses to connect me to anyone else while not providing any useful information. 

The collection still appears on my credit report, and the collection agency says they would only remove it from XXXX requests while XXXX representatives are not helping at all. It has drastically impacted my credit score, and is preventing me from even renting an apartment.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXi within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting : XXXXXXXX XXXX-Balance {$970.00} XXXX  XXXX-Balance {$300.00} XXXX XXXXXXXX-Balance {$73.00} XXXX XXXX-Balance {$280.00} XXXX XXXX-Balance {$300.00} XXXX XXXX-Balance {$250.00} XXXX XXXX-Balance {$360.00} XXXX XXXX-Balance {$620.00} XXXX XXXX-Balance {$1100.00} XXXX XXXX {$21000.00} XXXX XXXX-XXXX-Balance {$1200.00} XXXX-Balance {$680.00} XXXXBalance {$230.00} XXXXBalance {$70.00} XXXXBalance {$1900.00} XXXX-Balance {$660.00}
Consumer complaint received 2022-12-16
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: STARK & STARK, P.C. (NJ)

I'm currently in a legal dispute with my home owners association XXXX XXXX ( XXXX XXXX XXXX ) and their attorney Stark & Stark debt collector. Stark & Stark was sent a cease and desist letter on XX/XX/XXXX. my request has been completely ignored on multiple occasions. XX/XX/XXXX a notice wage of execution was sent to a colleague of mine and a company that i don't even work for. I wrote private on all my documents pertaining to this matter and was completely ignored. Stark & Stark has violated my rights many times. Stark & Stark has been bullying me for over 10years for a 3,000 debt. and another 7,000 in legals fees which is extortion. and because of their relationship with the courts the motions always work in their favor. They failed to provide me with an ADR ( alternate dispute resolution prior to ligation. Stark and Stark made false claims it was offered and I never responded which is false.Because the ADR law was created after I purchased my home. ADR should have been created by the association and I requested a ADR in court and still haven't seen one. Starting XX/XX/XXXX, I sent them a payment every month to try to resolve alleged balance, of the association fee in good faith and each payment was returned basically it wasn't good enough. How do you sue someone for money but return it? This is all about extorting me out of my home. XXXX XXXX and XXXX XXXX with the help of Stark & Stark and XXXX XXXX XXXX own several homes in my development using these same bullying practices. They're clearly taking full advantage of the fact. Our homes were built in a marginalize community through the affordable housing program. and they can get some prime real estate at a bargain.Now this area is under redevelopment. and our property values has tripled. Its unethical, aggressive and should be against the law but unfortunately, it's not. Stark & Stark and XXXX XXXX for some reason think they can skip steps in due process.
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (CA)

Its Credit Karma .On XX/XX/XXXX my phone was stolen out of my vehicle. I made multiple attempts to disconnect service however its in my dads name and he was on a cruise. I also made multiple failed attempts to erase phone and as well as lock it but didnt have correct password.. However later that day I had left to XXXX. I returned to XXXX on XX/XX/XXXX and that is the same day my physical card was activated by myself. The very first transaction I made was for {$83.00}. I used my card a couple times not much became I was saving to put my son whom I lost in XXXX of XXXX in his finial resting place at the cemetery. On XX/XX/XXXX I attempted a transaction and it was declined due to insufficient funds. I called the bank and my account was drained of everything. I was also told that it was used on a virtual credit karma card. Thats when I realized it had to be my XXXX XXXX. I then filed a claim and yes I stated my PIN was compromised. I asked for a number or email so I could submit my police report and my flight tickets showing I wasnt even in the state. I was told if they needed anything they would email me. Never received an email requesting documentation. Four days later my claim was denied. I called and appealed the decision and found out that the rep included a transactions that I made with my physical card that I am not disputing. However again it was denied for the reason of being authorized. I opened the claim again and it was denied for not saying my pin was compromised. I calked back and reopened it again and was told it was denied because I made transactions after the date Im claiming it was stolen. I have requested all documents pertaining to my claim that was used to deny my claim. I asked for copy if transactions I disputed to confirm and monthly statements. I havent received anything. I then emailed all my proof plane ticks, police reports, written statement and I also explained Im not disputing my physical card transactions only the virtual card transactions those are the only ones I didnt authorize. They havent helped me at all. I cant speak to anyone. I asked for a manger to contact me and nothing no documents. And they keep denying my claim and its legit. They also closed my account so XXXX cant even look on my online banking. They are refusing to give me my money.
Consumer complaint received 2022-05-20
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. (CA)

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 Experian and XXXX was XX/XX/2022, 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 accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I recently settled an account with XXXX store card. The agreement was that I pay a certain amount and in exchange the account would be closed and I would no longer owe any balance on the account. This agreement was paid and settled. Since then XXXX have reported my balance and payment status incorrect on two separate occasions to the three credit bureaus. The correct way it should be reporting is my balance being {$0.00} and my payment status closed. XXXX had two opportunities to report this information correctly but they maliciously didn't do so. Instead of updating the terms of our agreement they violated my rights by falsely reporting the account balance with a balance of {$280.00} and not updating the payment status proving that this matter is situated. They continue to report incorrect information to the credit bureaus which is a violation of my FCRA rights. They knowingly reported incorrect information. This has caused me emotional hardship, it is still ruining my personal character and continues to negatively affect my life.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I wrote to transunion three different times. I asked them to remove all information that was inaccurate. I have names that are wrong, addresses that are wrong, employers that are wrong. I sent them my ID and proof of address ( utlility bill ) three times. They are not updated my personal information and it's stressing me out.
Consumer complaint received 2019-01-31
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. (ID)

I sent a complaint before about the house I sold & paid off completely. All three credit bureaus were more than unhelpful. After I sent complaints on them I was told the issue had been fixed. But they have not fixed it. That house I no longer am responsible for is still being reported by Experian for sure and maybe even the other two. I tried to call Experian. I could not get ahold of a real person.

I am so very tired of them controlling my life. This is not right.
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (CA)

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 : # XXXX Account name : # XXXX XXXX family support 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 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax continues to report inaccurate information on my credit file. There is a address that they have deleted 3 times and continue to put this address back on my credit file. I have had the same address for 32 years which is XXXX XXXX XXXX XXXX FL XXXX. Per the FCRA you are in violation by continuing to put inaccurate information back on my credit file that was previously deleted. You also have several accounts that list included in bankruptcy XXXX and there is no bankruptcy on file. Remove all of these inaccurate accounts listed below immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - CARD SERV XXXX XXXX - CARD SERV XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also this below account is not mine. I have contacted power financial and they have no record for me in there system and this account number is unknown. Please delete this fraudulent account as my information was comprised in the Equifax data breach. 

XXXX XXXX XXXX I have attached the dispute results that i received directly from Equifax showing the incorrect address was deleted and all these accounts in question state included in bankruptcy XXXX.
Consumer complaint received 2019-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I am disputing charges related to my purchase made with XXXX XXXX XXXX using my Capital One Mastercard. There was an authorized charge that was made on credit card in the amount of {$700.00} ( original purchase made in the amount of XXXX XXXX ) billed on XX/XX/ 2019. I am not disputing this charge as the purchase receipt contains my signature ( see attachment ). And this charge was settled with Capital One. 

There was an additional charge of {$650.00} from the same merchant -- XXXX XXXX XXXX, on XXXX XXXX, 2019. This is an unauthorized charge to which I did not agree. The receipt provided by the merchant is not signed by me see attached receipt. I have reported this charge to Capital One requesting that it be removed from my account. Capital One has declined to remove these charges from my account. They have never explained to me why I should have to pay for a charge that I never signed off on. Instead, they require that I provide the following documents to settle my case : 1 ) Purchase agreement 2 ) Cancellation policy 3 ) Refund voucher. 

This is not a reasonable request, as these charges have not been authorized by me, and therefore have no associated purchase agreement, cancellation policy or a refund voucher. 

I request that the original charge of {$650.00} and the resulting interest charges be removed from my account. I have been in regular contact with Capital One since XX/XX/ 2019, and have been unable to settle this dispute. 

I am attaching a copy of my original statement showing authorized and unauthorized charges from this merchant, along with a receipt for authorized charges, and a receipt for unauthorized charges. 

I look forward to the resolution of this dispute.
Consumer complaint received 2022-05-20
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. (MO)

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. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  , MO XXXX XXXX XXXX Balance Owed : {$77.00} XXXX XXXX  XXXX Balance Owed : {$460.00} XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX  XXXX Balance Owed : {$750.00} XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$50.00} XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX  XXXX Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$120.00} XXXX XXXX Balance Owed : {$50.00} XXXX  XXXX Balance Owed : {$50.00} XXXX XXXX Balance Owed : {$50.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$91.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX****Balance Owed : {$170.00} XXXX XXXX Balance Owed : {$89.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$600.00} XXXX XXXX  XXXX XXXX Balance Owed : {$120.00} XXXX XXXX XXXX XXXX Balance Owed : {$320.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy Reference # : XXXX Date : Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FI XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-15
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: AFNI INC. (TX)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2022-10-13
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. (NY)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX  Account Number : XXXX XXXX XXXX Bankruptcy Case Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX/XXXX  Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX 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.