davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

I repeatedly provided PROOF from DCS that shows that all accounts are closed. XXXX, Experian and XXXX continues to tell me that the creditor shows and account open. Why are the credit bureaus are violating to FCRA? I have the documents proving that this account is closed. I paid all accounts off in XX/XX/2022 and DCS/XXXX provided me with proof that these accounts are truly settled. My credit report show that it is open and that the creditor verified that it is so. NOT true. These bureaus are not looking at my documents because if they were they would know that these account are closed
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 — Account status incorrect
Company: EQUIFAX, INC. (WA)

I repeatedly provided PROOF from DCS that shows that all accounts are closed. XXXX, XXXX and Equifax continues to tell me that the creditor shows and account open. Why are the credit bureaus are violating to FCRA? I have the documents proving that this account is closed. I paid all accounts off in XX/XX/2022 and DCSXXXX provided me with proof that these accounts are truly settled. My credit report show that it is open and that the creditor verified that it is so. NOT true. These bureaus are not looking at my documents because if they were they would know that these account are closed
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (CA)

Ordered pantry cabinet and never got it disputed it twice with cash app they denied my dispute two times. They haven't made the merchant respond or try to contact merchant and I sent proof I tried and they still took merchant side.
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US 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 2023-08-02
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: Block, Inc. (TN)

I have been receiving debit cards from companies such as XXXX, XXXX and CashApp that I never applied for. I do not have any of these apps. When I call the companies regarding the cards, I have to go through their fraud process to cancel the account. As far as I know there hasn't been any actual activity on the account. The concerning aspect of this is how these accounts are being opened in the first place. I believe that it may have started after I listed an item for sale on XXXX XXXX XXXX. I had someone pressure me to open a XXXX account, which I refused. Shortly after that encounter I received the first debit card. I have my credit frozen ; therefore, no one can open a credit account under my name. I would like to know how I can prevent these debit cards getting opened in my name and what protections I need to put in place to prevent this from happening going forward.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Charleston Area Medical Center (WV)

I checked my credit report today and a company, Healthcare Financial Services, has reported to the credit bureaus that I have an outstanding balance on a medical debt in the amount of {$1500.00}, which was reported on XX/XX/2018. 

I remember paying this debt and checked my credit card statement, which reflects payment was made on XX/XX/2018 in the amount of {$1500.00}. 

I contacted Healthcare Financial Services and just reach their voicemail. They have not responded to my inquiries. 

Contact information for Healthcare Financial Services is as follows : Healthcare Financial Services XXXX XXXX XXXX XXXX. 
XXXX, WV XXXX XXXX : XXXX.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Mailed letters on XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-05-25
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. (FL)

I sent a letter last XX/XX/XXXX to remove these negative items ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$86.00} OFF LEASE ON XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after filing the complaint. Ive already included this in my previous Complaint # & I am including it again.
Consumer complaint received 2022-05-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: VW Credit, Inc (MD)

My automobile loan payments to VW Credit were set up to be drawn automatically from my bank account. The final payment was due on Monday, XX/XX/2022, so I logged in to my loan account that day to confirm that it had been paid. It had not been withdrawn yet, so I waited until the next day and tried again. On the day after the payment was due, my account login information didn't work. I called VW Credit and was informed that when the account was paid in full, they disabled my account access. This is idiotic and infuriating, but didn't seem worth filing a complaint. 

Then they sent me an email to inform me that they had sent me a secure email that I could read only by logging into my account. I thought this meant they had realized their error and reinstated my account, but my account login still didn't work. I called the company and they admitted that my account is closed and that there is no way for me to access my payment information or the secure message they sent me. 

After paying VW Credit promptly for 5 years, they have locked me out of any access to my payment history. If they failed to report my payments accurately to the credit bureaus, I will have no way to obtain the records I need to correct my credit report or gather payment information for my personal financial records. Not only is this policy absurd and annoying, it leaves customers without access to their personal financial records. 

In my calls to VW Credit, I already informed them that I will never purchase another VW if this is an indication of how little they value their customers, but this is an abusive credit practice that really ought to be changed. Perhaps the CFPB can explain that to them in monosyllabic terms that even VW Credit can understand.
Consumer complaint received 2022-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

This collection company put this collection on my credit report with XXXX, IC Systems for a bill with XXXX XXXX on XX/XX/XXXX. I reached out to XXXX on XX/XX/XXXX to state this was not my collections and that on XX/XX/XXXX another collection company tried to place this same exact debt on my credit which XXXX took off my credit on XX/XX/XXXX. Apparently this collection company bought this debt and has again violated my consumer rights because I reached out to XXXX XXXX and they are aware this was not my debt. I asked XXXX to please dispute and remove this collection. XXXX in turn did an update to my credit file on XX/XX/XXXX trying to delete this collection but allowed IC Systems to put the collections back on my credit on XX/XX/XXXX. 

I have attached documentation showing it was removed the first time and would like it taken off my credit.
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IL)

Back in XXXX of XXXX, there was no announcement that Comenity  Credit Card was going to shut down their payment processes online. There was no way to log in to see what was being billed, there was no way to make a payment, not even by phone. Then when I found out " Easy Pay '' was opened in XX/XX/2022 there was still no representation of statements of bills and no way to know how much was being charged to my account. There was no announcement that the website was back up. As of now, I can see statements, but not all of them are accounted for XX/XX/2022 is missing. I have been trying to make payments and sent Comenity two physical letters from my bank stating the payments were never tried and have not heard back from them on this specific topic. I have been charged for " chargebacks '' saying Comenity tried to charge my bank but it never went through. None of the payments I scheduled went through the day I scheduled them to go through. I have been charged late fees that have added up to over {$200.00} on my credit card. I asked to have them removed, but no response was made until today XX/XX/2022, and was just simply told I did not qualify. Other customers of Comenity were subjected to waived fees and charges. I have reported them to the XXXX, but nothing was done and no reports or changes have been made. 

I have also received a " bill '' in the mail explaining my account was closed due to the supposed sent-back payments.
Consumer complaint received 2019-06-13
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: CITIBANK, N.A. (MD)

I had an account with citi bank The account closed and charged off and I have called them several times to pay the account or pay a settlement offer if there was one each time I called they told me they are not taking any payments on the account And there was nothing I could do I have asked XXXX to remove this account from my credit report and they will not do so This is hurting my credit and I need this account to be closed and removed The balance on the account is XXXX
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: EQUIFAX, INC. (AZ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 2015-12-14
Product: Credit card — 
Issue: Delinquent account — 
Company: BARCLAYS BANK DELAWARE (NY)

I applied online for a Barclay Bank Visa card as part of a program through XXXX to finance a new computer. They have never sent me so much as an invoice, let alone the actual card. I 've not been able to make any payments online because you need the card number to set up online payments. The only thing I know is the last XXXX digits of the card, because that was in the first email they sent me. When the account is in arrears enough, I get an offer of a payment plan, and can sign in using the last XXXX digits of the account to make a payment. Once you make a payment, you can no longer sign in that way and have to wait to be in arrears again. I have been able to make XXXX payments, and my credit score is plummeting because of this. The only way to contact them is over the phone ( I have XXXX and ca n't use the phone ) or at a mailing address. I wrote them a letter XX/XX/XXXX asking for their help and received no response of any kind.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 2022-05-25
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: Experian Information Solutions Inc. (FL)

I sent a letter last XX/XX/XXXX to remove these negative items ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX Balance : XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after filing the complaint. Ive already included this in my previous Complaint # & I am including it again.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Unauthorized inquiries on my credit reports are as follows : 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 2022-05-25
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. (WA)

I repeatedly provided PROOF from DCS that shows that all accounts are closed. Transunion, XXXX and XXXX continues to tell me that the creditor shows and account open. Why are the credit bureaus are violating to FCRA? I have the documents proving that this account is closed. I paid all accounts off in XX/XX/2022 and DCSXXXX provided me with proof that these accounts are truly settled. My credit report show that it is open and that the creditor verified that it is so. NOT true. These bureaus are not looking at my documents because if they were they would know that these account are closed
Consumer complaint received 2022-05-25
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: Experian Information Solutions Inc. (LA)

I have disputed several accounts with Experian numerous times due to the accounts being fraudulent. I have attached a copy of the dispute letter and FTC identity theft report as well as proof of identity and proof of address. These accounts are still reporting on my credit report as of today. Per FCRA 15 U.S. Code 1681c-2- Block of information resulting from identity theft. 
( a ) BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft, no later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of identity of the consumer ; ( 2 ) a copy of identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2022-09-28
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
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. (FL)

XXXX XXXX last 4 ss XXXX XXXX, Transunion, XXXX Are reporting inaccurate Fraudulent accounts on my Credit. I have filed multiple disputes regarding these accounts and they refuse to remove and provide me with how they obtain the information and what information the obtained to show that I'm the one responsible for the debt. They even have several inquiries on credit report that don't belongs to me either. According to FCRA Rules and procedures and I quotes If any credit Breau fail to remove Fraudulent or inaccurate accounts that's being reported on credit report I have the right to sue them in Federal Court. Therefore I'm once Again requesting that the following items be removed from my credit report immediately. 
1. XXXX XXXX  ( Fraudulent ) identity theft 2.XXXX XXXX ( error on report this has been paid it shows In collections ) 3.XXXX ( Fraudulent ) Identity theft 4. XXXX XXXX ( Fraudulent ) Identity theft.