davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-22
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. (VA)

I have the right as a consumer to report In accurate information on my credit report. I have written several letters with no response from the credit bureaus, or any information has been provided on this account. 
XXXX  XXXX XXXX. account # XXXX ( 11 XXXX  XXXX XXXX ) balance amount XXXX opened XXXX XXXX is inaccurate. No account was opened with this company on the date referenced above.
Consumer complaint received 2022-05-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 45 days later I have not received a response yet on my dispute. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give 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 removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2015-11-10
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XXXX/XXXX/2015, I contacted XXXX XXXX XXXX with whom I have a brokerage account, regarding my desire to send a money-transfer, the following week. On a recorded line, the representative informed me the charge for this service was a flat-fee amount, either {$24.00} or {$25.00}, he was not quite sure. I believe the rep 's name was XXXX XXXX. 

XXXX/XXXX/2015 I phoned XXXX to initiate the transfer. When I asked him, the rep told me there would be no fee for the transfer, and that the exchange rate from XXXX to XXXX would be XXXX. I assumed the remission of the fee was due to my being a Premium Elite Client. XXXX has sometimes granted me such rewards. 

After completing the wire request, I thought to look up the exchange rate. It was between XXXX and XXXX! Based on the amount of the wire ( {$15000.00} ), the wire charge ( fee ) was therefore {$300.00} [ ( XXXX ) * XXXX ]. I called back XXXX, and they confirmed the standard rate was a 2 % charge. 2 % of {$15000.00} is indeed {$300.00}. I pointed out that it is absurd to charge {$300.00} to wire money, and that even XXXX would do it for a fraction of that. IN ANY CASE, THEIR REPRESENTATIVE HAD ALREADY STATED THE FLAT FEE WAS {$25.00}. 

XXXX XXXX refuses to refund the {$300.00} out of which they cheated me ( THE FEE WAS NEVER STATED TO ME IN ANY WAY ). I want them to refund the {$300.00}, and charge me the flat fee, as agreed.
Consumer complaint received 2022-01-07
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. (GA)

This account is inaccurate XXXX XXXX XXXX # XXXX. The Last date of Activity, Account Type - Detail, Payment History, Balance Account Type and an FCRA violation. Please remove this inaccurate account from my credit report.
Consumer complaint received 2022-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (TX)

I have a collection account on my XXXX credit report that is inaccurate. It states I owe {$120.00} for a service I still have, that is open and active and I am making monthly payments. This is entirely unethical in so many ways. To have a collection account on an open active account that I have. I have called the originator and was told my account has never been put into collections. 

I would like this to be removed and deleted from my account.
Consumer complaint received 2023-08-01
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. (MI)

I have attempted multiple times to dispute the late payments during COVID-19 when I was laid off and unable to always make the full payment. There was an order in place that companies were not allowed to report negative because the impact of COVID. XXXX was able to work with me to make payment arrangements, but they are reporting me as late during those times. I mailed letters and the returned as " unable to deliver ''. I also called and they stated it was noting I could do but dispute it. I have a copy of the letter mailed and returned envelope and a image of my credit report.
Consumer complaint received 2022-05-22
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. (VA)

Consumer XXXX XXXX  Deleted XXXX XXXX XXXX Texas on XX/XX/2022. Bankruptcy is still showing on report. Based off the credit laws, if items are incorrect or inaccurate they should be removed from credit report.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-22
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. (TX)

I have contacted these individual debt collection companies about the removal of any accounts they have reported to my credit. The bureaus are still reporting this negative information. They have not removed the inaccurate information from my credit. This is a violation of my rights as a consumer in accordance with the Fair Credit Reporting Act. 

Everything has to be 100 % accurate on my credit report. How is that possible if the original creditor information is missing, the open date is inaccurate, the loan amount is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. 

My rights have been violated under : 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 My livelihood as a consumer is being harmed greatly. 

These inaccurate, unverified, and negative accounts are highlighted in my credit report uploaded : I XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-17
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. (CA)

debt collections are unknown and invalidated, bureaus in question are constantly reporting inquires and accounts that doesnt belong to me by any means. ive sent in letters to have this inaccurate data removed from my consumer report under the fcra and the fdcpa.my consumer laws have been breached and violated by XXXX, XXXX, equifax pursutant 15 usc 1692, and 15 usc 1681
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted these individual debt collection companies about the removal of any accounts they have reported to my credit. The bureaus are still reporting this negative information. They have not removed the inaccurate information from my credit. This is a violation of my rights as a consumer in accordance with the Fair Credit Reporting Act. 

Everything has to be 100 % accurate on my credit report. How is that possible if the original creditor information is missing, the open date is inaccurate, the loan amount is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. 

My rights have been violated under : 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 My livelihood as a consumer is being harmed greatly. 

These inaccurate, unverified, and negative accounts are highlighted in my credit report uploaded : I XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-22
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2022-05-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (CA)

WORLDREMIT is the merchant 's name this merchant wiretransferred money using my debit cards and credit cards in XXXX. 
I have reported this to XXXX XXXX and got my cards replaced after a XXXX, WORLDREMIT charged me again for the wire transfer on my debit cards and credit cards ( XX/XX/XXXX ) I have never used WORLDREMIT to send any money nor have account with this merchant. 
It is highly suspicious how they are able to trigger transaction again after my card number for debit and credit cards are changed. 
I tried to contact WORLDREMIT numerous times, however, my call was dropped by them every single time I was trying to contact their customer service. 
Therefore here I am reporting for their business for fraudulent activities
Consumer complaint received 2022-05-22
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: Bread Financial Holdings, Inc. (NC)

In accordance with the fair credit reporting act XXXXXXXX XXXX  XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-22
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: NAVY FEDERAL CREDIT UNION (GA)

In accordance with the Fair Credit Reporting act XXXX  - Navy Federal Account # XXXX, has violated my rights. Charged off in the amount of {$13000.00}. 
Date Opened Date Reported Closed Date XX/XX/XXXX XX/XX/XXXX XX/XX/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
Consumer complaint received 2022-05-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation (TN)

I was off work due to an illness and I spoke with a lady about making payments and she told me it had to be paid in full. I thought I had insurance to cover when I wasn't working. Also, they reported a bad debt to credit bureau when they could've just contacted me to fix it.
Consumer complaint received 2022-12-03
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Real Estate Equity Exchange, Inc. d/b/a Unison (NJ)

on XX/XX/2022 I applied for home equity sharing with Unison. I provided all the documents requested. for more than 3 weeks I waited for the next step which was getting the appraisal done. On XX/XX/2022 I was informed by the file processor that the title was clear and I can get my own appraisal as the company facing some delays. On XX/XX/2022 I provided the appraisal to the company after paying {$450.00} so the application can move forward. On XX/XX/2022 the company rep informed me that the analyst feels the appraisal over estimated the house and the company wants to do its own appraisal. After a discussion with a supervisor to understand why would we need a 2nd appraisal, the company went ahead and ordered their own appraisal this time. When their own appraisal came back with almost same value like the one I did, the rep emailed me on XX/XX/2022 to advise that their analysts still feel the value was high and they couldn't move forward with the application. This was a misleading experience that wasted time and money for me. This company should be held accountable for the way they conduct business.
Consumer complaint received 2022-05-22
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. (OH)

15 usc 1681 a Innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information All reports have to have 100 % accurate information how can they say that a proper investigation was conducted???
Consumer complaint received 2022-05-22
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. (TX)

I have contacted these individual debt collection companies about the removal of any accounts they have reported to my credit. The bureaus are still reporting this negative information. They have not removed the inaccurate information from my credit. This is a violation of my rights as a consumer in accordance with the Fair Credit Reporting Act. 

Everything has to be 100 % accurate on my credit report. How is that possible if the original creditor information is missing, the open date is inaccurate, the loan amount is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. 

My rights have been violated under : 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 My livelihood as a consumer is being harmed greatly. 

These inaccurate, unverified, and negative accounts are highlighted in my credit report uploaded : I C XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2023-07-11
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: HEARTLAND PAYMENT SYSTEMS INC (FL)

Per last complaint, XXXX university agreed that if payment plans were set up that they would close their assignment to the collection agency and apply a hardship deferment to the account, which would clear the past dues. the hardship would also allow esci to update the past credit history to current and good standing. 

Payment plans were set up and payment actually has already been completed, yet XXXX and esci have both failed to correct the issue, all that has been updated was that monthly payments have been set up. Please resolve at your earliest convenience, thank you so much.
Consumer complaint received 2022-12-17
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. (IL)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX Balance : {$27000.00}
Consumer complaint received 2022-07-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (NJ)

ive been trying to buy the car for the last couple months. Nobody has called me back. XXXX from Chase auto finance called me never give me a direct number never call me for an update. I wan na buy the car if its not through Chase I will go through a credit union for my job. But nobody has communicated with me at all. I want to buy the car. Theyre not communicating with me at all they called me and nothing in response
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

BEFORE I START THIS DISPUTE, I WOULD LIKE TO LET THE CFPB THAT THIS IS NOT A DUPLICATE COMPLAINT. 

MY COMPLAINT IS ABOUT GETTING MY UPDATED CREDIT REPORT SOLEY FROM XXXX AND TRANSUNION. TRANSUNION TOLD ME THAT I CAN NOT OPEN ANY ACCOUNT BECAUSE MY TRANSUNION ACCOUNT IS IN SPECIAL SERVICE DEPARTMENT. I CALLED THEM SEVERAL TIME TO LET ME OPEN A TRANSUNION ACCOUNT SO I CAN MONITOR MY CREDIT SCORE INSTEAD OF GETTING IT FOR FREE FROM ANNUAL CREDIT REPORT WEBSITE THAT DO NOT GIVE CREDIT SCORE A SUMMARY. ITS BEEN ALMOST A YEAR NOW THAT I CAN NOT ACCESS MY ACTUAL TRANSUNION CREDIT REPORT FROM THEIR WEBSITE. THEY ARE VERY RUDE WHEN I'M TRYING DIG DEEP OF WHAT IS THEIR REASONS WHY THEY PUT MY ACCOUNT TO SPECIAL DEPARTMENT? NO STABLE AND CONSISTENT RESPONSE FROM EVERY AGEN I SPOKE TO, INSTEAD I HAVE A RUDE AND ARROGANT RESPONSE FROM EACH ONE OF THEM. FOR XXXX THE SAME REASON, THEY TOLD ME I HAVE A DUPLICATE ACCOUNT BUT THEN THEY DONT RESOLVE THE DUPLICATE ACCOUNT AND I WAS WASTING MY MONEY PAYING MONTHLT XXXX SUBSCRIPTION AND I HAVE NOT RECEIVED ANY CLEAR OR UPDATED CREDIT SCORE. THEY ARE ALSO RUDE AND ARROGANT WHEN I TRIED TO KEEP ASKING WHY I CAN NOT GET AN UPDATED REPORT? AS PER FCRA IT IS MY RIGHT A S CONSUMER TO HAVE OR REQUEST AN UPDATED CREDIT REPORT.