davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian has me listed as deceased. I followed the directions on their website 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 ; submitted a notarized affadvit of my continued existence, along with copied of birth certificate, XXXX Passport, NY XXXX XXXX XXXX, Social security care, rent stub and utility bill as proof of identity. Originals of all documents were presented to Notary Public and certified as being true. 
Experian responded by email that the contents in my Experian credit report were not their concern and I had to contact source of the erroneous data myself. They ARE the source. For literally decades ( on and off ) I had sought the removal of a credit card default that my father incurred XXXX  years before my birth. My father ( same name ) is deceased ; instead of deleting the erroneous data, they deleted me. 
For 2 years or more, I have not been able to get credit because of this and I am blocked from access to my Social Security account online. As I am alive, I need this resolved
Consumer complaint received 2024-03-19
Product: Credit reporting 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: EQUIFAX, INC. (FL)

I am so sick and tired of my credit score dropping for no reason. I pay my credit cards in full every month every card I have are on auto payment. Equifax and XXXX XXXX are the 2 biggest offender of this problem.This same thing happened to me a few months ago and after contacting Consumer Financial Protection Bureau the problem was solved in days.Now that I am going to pick up a brand new XXXX XXXX XXXX XXXX  that I ordered and with my score dropping for no reason I will be forced into a higher percentage on my loan.This is total XXXX I am a fanatic on keeping my credit score in tip top shape.
Consumer complaint received 2023-07-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-08-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

I made a payment of {$2200.00} on XX/XX/2020. This payment was processed the next day, on the XXXX. I received a confirmation email that it was processed. 

My monthly payment is due on the XXXX for an amount of {$330.00}. Today, on XX/XX/2020, my account is saying that my XXXX payment is past due. 

This is un acceptable. I made a very large transaction and it got processed before my payment was even due. Now, six days after that transaction my account is saying I missed a payment. HMFUSA 's  constant mishandling of payments is going to negatively affect my credit score and worthiness. 

I no longer want to work with this company! Please let me pay off my loan in full!
Consumer complaint received 2020-04-15
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: Experian Information Solutions Inc. (CA)

I can't get an Experian Boost. Two creditors should now be off my Experian report. The company may be dormant during Coronavirus scare, I can't reach a chat member, a phone support member and I'm having log-in problems.
Consumer complaint received 2020-08-11
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. (NY)

My credit score is down 46 points despite having an excellent history of timely payments and excellent use of credit at my XXXX XXXX XXXX. I called my bank to get clarification on the matter, they were unable to help me because as I mentioned I have an excellent credit history so they gave me the Transunion phone number which is XXXX. I called them and spoke to a representative who said that from their records, I never used credit, so they lowered my credit score. But this is not true, I am using the credit and paying the full amount as soon as possible to increase my credit score and I can prove it with my XXXX XXXX credit transactions. I asked to speak with the Transunion supervisor who was busy at the time and was supposed to call me last week, but they never called me back. It's outrageous. I want to make a formal complaint and investigate and get my 46 points back. Thank you!
Consumer complaint received 2020-06-11
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: Experian Information Solutions Inc. (CA)

I AM FURIOUS WITH THE XXXX EXPERIAN XXXX XXXX AND XXXX XXXX  XXXX! I HAVE BEEN TRYING TO RESOLVE MY ID THEFTI SSUE FOR THE PAST FEW MONTHS AND THEY ARE REFUSING TO HELP ME. I HAVE TRIED REACHING SEVERAL DIFFERENT DEPARTMENTS DIFFERENT SUPERVISORS AND MANAGERS, NO ONE KNOWS WHAT THEY ARE DOING, NO ONE IS HELPING OR GIVING ME ANY RESOLUTION. THEY REFUSE TO GIVE ME VIABLE EVIDENCE PURSUANT TO SECTION XXXX XXXX IN THE FAIR CREDIT REPORT ACT. I AM TIRED OF GOING BACK AND FORTH AND NOT GETTING ANY RESOLUTION. TELLING ME ADDRESS NAME SOCIAL AND BIRTHDAY MATCHES IS NOT VIABLE EVIDENCE, OBVIOUSLY IT MATCHES THATS WHY I AM A VICTIM OF IDENTITY THEFT. THEY HAVE NO SIGNATURES FROM ME GIVING APPROVAL OF THE OPENING OF THESE ACCOUNTS. I NEED YOUR HELP CFPB IN HELPING ME RESOLVE THIS ISSUE, I AM SICK AND TIRED OF DEALING WITH THESE COMPANIES WHO ARE ROBBING ME FROM MY PEACE. ITS BEEN TOOOO MANY MONTHS ALREADY. OH AND I WILL ALSO ADD THAT XXXX  REFUSES TO BLOCK ANY INFORMATION THAT IS REPORTED AS FRAUD PER WHAT THEIR SUPERVISOR SAID, SHE SAID THAT WE DO NOT FOLLOW FEDERAL LAW, WE HAVE OUR OWN RULES AND PROCEDURES, WE WILL INVESTIGATE FOR 30 DAYS. THEY DO NOT COMPLY TO THE RULES OF SECTION XXXX IN THE FCRA. AND SHE CLEARLY STATED XXXX DOES NOT COMPLY WITH FEDERAL LAW, THEY FOLLOW THEIR OWN RULES AND REGULATIONS.
Consumer complaint received 2020-08-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

Dear Equifax RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently HAVE YET A received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction withabove listed account.I was saddened to learn that you FAILED TO verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to  investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) IGNORED MY REQUEST. I would like to see a complete list of all documents and correspondence with whom you obtain the account from. Please include all names and contact information of employees that you spoke to as part of this investigation. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.
Consumer complaint received 2020-06-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX I transferred {$200.00} USD from my chase checking account into coinbase as XXXX currency. I uploaded my drivers license to verify my identity and almost immediately ( after the transfer completed successfully ) they notified me that they were forcing me to close my account and I need to transfer my funds out right away. I have been trying since XX/XX/XXXX to transfer the funds out but an alert comes up that states I am unable to transfer and to contact support. I have contacted support over 5 times and they state they opened an investigation but I have not received any follow-up or update. I am able to log onto my account where it then alerts me I need to transfer my funds immediately because my account is being closed. I continue to email - as there is no number you can call to reach anyone - but no one will answer me. I desperately need to transfer my money out especially since XXXX  could drop value at any time forcing me to lose money.
Consumer complaint received 2020-04-15
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: Experian Information Solutions Inc. (TX)

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. I pulled my credit and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$140000.00} XXXX  XXXX XXXX {$1200.00}
Consumer complaint received 2020-06-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have been trying to get this resolved since back in XXXX, I am so frustrated and angry, because neither XXXX  or Bank of America want to help me out. I have tried reaching out to higher management different supervisors different representatives, and I keep getting transferred from one department to another, and all are saying they can't help me. XXXX   and Bank of America refuse to remove this fraudulent account from my XXXX  credit report, I am exhausted and tired of this negligent behavior. They " verify '' the account to be accurate, yet they are not sending me any viable evidence pursuant to section 609E of the fair credit reporting act. I am a victim of identity theft, and I should not be suffering for something that was not committed by me.
Consumer complaint received 2020-04-15
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. (TX)

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. I pulled my credit and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$140000.00} XXXX  XXXX XXXX {$1200.00}
Consumer complaint received 2016-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

I am forwarding to Chex Systems the police report. I am disputing XXXX items on my credit report with them. I have submitted a FTC affidavit and they refused to take because of no signature by an officer but I was able to get it notarized and the items I am disputing and should be removed due to Identity theft is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXXXXXX XXXX XXXXXXXX is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt. XXXX XXXX  XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$580.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP.
Consumer complaint received 2022-05-16
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. (MN)

i am a victim of id theft due in part to the XXXX data breach. i am a member of the class action lawsuit against XXXX and i believe that they are unfairly keeping negative marks on my file that circulate between the credit reporting agencies mainly XXXX and XXXX  witch shares information with all the major credit reporting agencies. after filing over 26 ftc reports and disputes with these company i still have errors on my credit report, witch is keeping me form my pursuit of happiness that is my constitutional right. im not able to qualify for certain jobs or to live in certain areas due to the fact of my credit score when i have allotted steps to fix the situation. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. I have not given any written permission to put anything on my credit profile. CRA have no permissible purpose by law to contact third parties with my private or personal information. These offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. I have followed all protocol and i still have a mountain of fraudulent accounts. accounts are in the ftc and report that has been uploaded.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Im a co-signer on my daughters ( whos a veteran ) XXXX XXXX account. Prior to the co-signing, my credit scores averaged between XXXX and over XXXX. Now, it has dropped to an average of XXXX to XXXX. Its enough of a drop that in researching to apply for a home modification loan, Ive been told that it will affect the results of a new loan. The credit companies are basing this on one sole late payment, caused by the militarys red tape in adjusting my daughters XXXX status, which is why it was necessary for her to have a co-signer. Why should this be allowed, especially since she hasnt had a late payment for almost 3 years. Is it necessary to affect two individuals lives based on one late payment? As a recently retired XXXX ( XX/XX/2019 ) it is crucial that I maintain good credit scores, which if not for the one late payment would be flawless. Furthermore, as a Veteran on XXXX, it causes undue stress and hardship on my daughter, as well as on me. The credit companys overzealous action is unequivocally uncalled for, and therefore, Im asking that it be removed from my report, and hopefully, from my daughters.
Consumer complaint received 2022-02-20
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. (NV)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXXXXXX Account XXXX XXXX, and XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX have 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.
Consumer complaint received 2020-04-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (NY)

The collection company place a collection on my credit file before sending me a ( 30 ) days Notice. I call them last month to removed the collection from all three credit bureaus and told them i moved to a new address so they can send me the 30 days notice to the new address, I just received the notice on the XXXX of XXXX. I call them to send me a validation letter and sign contract between they and the original creditors as proof for them to collect the debt from me and they said they will not send me anything else and the collection is going to remain on my report and there is nothing I can do about it. I told them that the government said that all collection are on hold for the next 90 days because everyone is worry about their life right now and need time to pay off any debts.
Consumer complaint received 2020-08-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

Date of Service-XX/XX/2013 Account Number-XXXX Balance- {$250.00} I am Disputing the debt that is 6 years 6 months old and do not recognize the debt as mine. 

Original Creditor-XXXX XXXX XXXX XXXX Florida Current Creditor XXXX XXXX or XXXX- XXXX XXXX XXXX XXXX XXXX Tx XXXX Phone-XXXX
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (NC)

Thank you for taking the time to consider my complaint about US Bank and their partner Elan. My wife, XXXX XXXX, and I requested this account be closed multiple times via phone, but it was never actually closed. The account was not be used or monitored by either XXXX or XXXX XXXX as it was presumed closed. The issuer allowed an annual recurring charge to be charged to the account, even though there had been not activity for 12 months and a new XXXX number had been assigned which was never activated by us. 
I called to dispute multiple times but the account status was not clear for several months, due to sale of the Fidelity credit card portfolio by XXXX XXXX  XXXX to another issuer. Finally, after extreme frustration in the dispute, we decided to pay the balance given the low dollar amount of {$51.00} and avoid charge off. Account activity over the time period from XX/XX/XXXX - XX/XX/XXXX supports this explanation. 
HISTORY : ' Account opened XX/XX/XXXX, regularly used with high credit limit of {$25000.00}, with no payment delinquencies until XX/XX/XXXX ' In XX/XX/XXXX, account balance was {$0.00} and called to request the card to be closed. We stopped monitoring the account. 
' {$39.00} annual fee was charged in XX/XX/XXXX, but went unnoticed until XX/XX/XXXX when it was paid in full ' In XX/XX/XXXX, I again requested via phone for the account to be closed and again stopped monitoring ' There was no activity from XX/XX/XXXX until XX/XX/XXXX, when another annual recurring fee was charged to the account ' Again, given that we thought the account was closed, we were not monitoring ' When I discovered the account was still open and another charge had been allowed I called to complain and dispute. There was some confusion by the servicing agent given the accounts were in transition from XXXX XXXX XXXXXXXX to another issuer { due to portfolio sale ) ' Finally the account was closed in XX/XX/XXXX at my request. I presumed the charge had been reversed. 
' Upon receiving notification that there was still an unpaid balance in XX/XX/XXXX and, given my level of frustration with the matter and the time required to resolve, we paid the balance of {$51.00} in XX/XX/XXXX and ended the matter. 
- In XX/XX/XXXX, I disputed the charge through XXXX and USBank updated their credit report incorrectly to show that the account was not closed until XX/XX/XXXX.