davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2020-08-18
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: Experian Information Solutions Inc. (UT)

I have been trying to get ahold of an agent or someone for the past 2 months to pay on this loan. I have emailed in to their email that keeps sending me promotions and that talks about my investments and I get no response. I call in to their line only to be told that my account is being handled by management and they will call me back but I am not receiving any calls back. 

This is effecting my credit and has dropped my credit from a XXXX all the way down to a XXXX all because of their lack to contact me so I can have this handled. I have not been able to pay for my membership w/ Experian to be able to keep up with my credit for the past 2 months because my priority was to have this loan paid off first but its impossible when no one is calling me back on it. 

I've needed to pay my past due and i need this taken care of because this is not helping me at all for my future. This is the second time this has happened. I have emailed in on XX/XX/20-XX/XX/20 and the most latest I emailed in was on XX/XX/20. 

SOMEONE CALL ME XXXX or email me back so i can pay my bill and so yall can fix my credit. This is ridiculous. I want to be done with this company already.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (IL)

I have a collections account from Target store. 
I called target/ XXXX XXXX and asked if I pay off the balance then would they delete the record or send me a letter stating that the balance is paid and should be deleted from my credit reports. I called today and they said the representative told me the wrong thing and I may have called a different number but this was the same number I had called now. I was lied to and I just want my collection deleted from the reports. I also want to report that Target tells lies to collect money and they do not take any action after that. LIARS
Consumer complaint received 2020-10-03
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)

I was disputing 3 accounts on my credit report, these accounts are result of fraud action on my behalf, I have police report, that I filed, I attached to this complaint.
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

My complaint is that Capital One has TOLD me that it will transfer my and my family 's account from my Capital One Venture Visa card to a Capital One Mastercard. This mandated change is WITHOUT my authorization, my approval or prior knowledge of the move. The move will be done by Capital One with no recourse to its decision. This is a time-sensitive issue. 

Capital One made the capricious and unauthorized mandated decision to move the account of this long time, senior citizen and my family 's from the Capital One Venture Visa card to Mastercard mandating NEW card numbers. This move is without explanation or logic. It requires this almost XXXX-year old person to change our Visa numbers stored on hundreds of online sites and for recurring financial dealings to the new numbers. My family have spent years establishing our individual Capital One Venture Visa card numbers with these sites and vendors. The new Mastercard will have the same benefits of the Capital One Visa Venture Card. Where is the logic for this MANDATED change? Also, if I apply for a new Capital One Venture   Visa card in ADDITION to the mandated Mastercard assigned to us, my credit rating takes a hit because of the added credit card to our credit report. If I close the Mastercard account on my own, and obtain a Capital One Visa Card, my credit takes a hit because I have closed the account, not Capital One!

I have called Capital One Venture Visa numerous times to ask for a reversal of this mandated decision, but to know no avail. I have written the CEO of Capital One, Mr. XXXX XXXX, but who knows if he will receive it. I have spoken with one of our Michigan US Senator 's staff with my complaint.

I have never owned nor do I wish to own a Mastercard. Visa is approximately 50 % of the United States and Global credit card market. Mastercard is only approximately 23 % of the U.S. and Global markets. Our current Capital One Venture  Visa card is widely accepted and the Mastercard is not. My family and I wish to continue our association with Capital One as a Venture Visa card holders. We do NOT wish to change to a Mastercard. I want to know the value of " what is in my wallet. '' Thank you, XXXX XXXX, XXXX.
Consumer complaint received 2022-05-29
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. (MA)

XXXX XXXX acc # XXXX date XXXX XXXX ( closed ), ... in accordance with the fair credit reporting act XXXX # XXXXhas violated my rights!, ... 15 U.S.C.1618 section602A states that i have a right to privacy ... 15U.S.C.1618 section604A also states a consumer reporting agencycan NOTfurnishan accoun without my consent and/or instruction and i did NOT give it to them..
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

During the Covid-19 pandemic, I had put my mortgage with Bank of America into a Forbearance Plan beginning in XX/XX/2020. Bank of America clearly stated in our Agreement ( attached, Page 2 ) that they would not report my account to credit reporting agencies as delinquent. 

On XX/XX/2020, I sold the property and repaid the mortgage to Bank of America IN FULL. One week later I received a notification from XXXX and XXXX that Bank of America had reported my loan to the credit reporting agencies as 90 days delinquent and my credit score dropped 83 points. I was in the process of refinancing the mortgage on my personal residence and that is now delayed because of this. With rates rising, Bank of America is going to owe me compensation for this. They clearly are in violation of our agreement. 

I contacted and filed a dispute with XXXX and XXXX and they stated that " This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to OUR company that the prior paying history is being reported correctly. '' I need to have this " delinquency '' removed from my credit reports and Bank of America needs to compensate me for losses sustained from not being able to refinance my personal mortgage at a lower rate.
Consumer complaint received 2020-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

I previously filed a complaint and BB*T response was lacking the necessary documents that were sent to me via email. They conveniently left out the fact that they sent me an email on XX/XX/2020 and I responded on XX/XX/2020. They also left out the fact they I called in to the call center several times before XX/XX/2020 to find out the status of the dispute. 

As you can see from the attached documents, I received the email on XX/XX/2020 ; at the bottom of the email is an attached word document. I responded to the email on XX/XX/XXXX with the response and two attachments : The Merchant dispute Letter and the PDF copy of the gmail correspondence between myself and the constitutional tax collector. The information contained in the word document which I have included answers all the questions they asked me over the phone in late XXXX. 

They also left out the fact they I called in to the call center several times before XX/XX/2020 to find out the status of the dispute. At no time did ANYONE who answered say they needed more information or that they did not received my email. I want my complaint escalated and reviewed properly. 

Additionally, the response time went from 30 days to now 120 days? And with all of the back and forth has not a single person tried to give a provisional credit since it is clear the transaction was in error. This response is just insufficient.
Consumer complaint received 2020-10-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Acknowledge Debt Resolutions (WA)

Acknowledge Debt Resolution contacted me via telephone stating they had a judgement enforceable for 20 years based on an XXXX XXXX credit card account established during XXXX and closed XXXX with a balance of XXXX. I contacted XXXX XXXX security and they confirmed that such an account exits having my credentials. This account was established by someone other than myself of whom I have no knowledge. 

The account was transferred through multiple organizations before purchase by ADR. ( XXXX ) When I requested a copy of the judgement from ADR at the above number, the collector admitted that they did not have a judgement and had not filed any case in any civil court. 


Contact Us Thank you for your interest in contacting us. We are open regular business hours and do our best to return calls, emails and web messages as soon as we can. If your matter is urgent, please be sure to call us during the day, Monday through Friday from XXXX to XXXX. 

Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Send us an Email : XXXX Call Us : ( XXXX ) XXXX
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I opened an account with Bank of America ( BOA ) in XXXX. Bank of America closed my account XXXX because of Inactivity on this account, current or past delinquency, derogatory public record ( s ),  and/or collection account ( s ), current or past delinquency with one or more of my creditors, number of accounts, paid as agreed, is too low or I had missed payments recently on some of my accounts. Bank of America indicated information on my credit was provided by XXXX. I contacted Bank of America to dispute the closing. They told me I had to dispute with XXXX because they do not process disputes. If I wanted the card reopened, they would do a hard inquiry on my credit report and open a new card. I did not agree because the account was closed based on incorrect information. I contacted XXXX for a copy of my credit report and to dispute the information provided to Bank of America because I was not aware of information on my records. Upon review of my records from XXXX, I did not have the items listed by Bank of America. I had no adverse accounts, no late payments, no public records. I have submitted two disputes with XXXX on XXXX and XXXX requesting Bank of America reopen my  account with the 25 year credit history. The XXXX dispute was denied. The XXXX dispute to request Bank of America reopen the account is open.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

So I do believe that I am a victim of Identity Theft and I have tried to obtain my Equifax report online and they ask me questions to identify who I am and I have been a victim of Identity theft in the past, and the questions that Equifax is asking me questions on my credit report that I can not answer because the questions that are being asked were things that purchased, accounts that were opened when I was a past victim of identity theft. I have asked multiple times for my questions to be changed to current questions, they are asking me information from 15 or more years ago and I cant answer the questions. I want the questions changed and I want a copy of my credit report in a timely manner. Which I am not receiving yet and I want to be able to access my report from Equifax. I have been able to access every report accept Equifax.
Consumer complaint received 2024-03-19
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. (NY)

I haven't applied for of given written permission to the bureaus to furnish this information. This is a violation of 15 USC 1681b. By reporting theseThey are reporting unauthorized fraudulent information willfully. This is theft of identity. In accordance to 15 USC 1681c-1 and 15 USC 1681 c-2 these need to be deleted and blocked. see attachments
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Franklin Collection Service, Inc. (CA)

Sometime in early XXXX, I closed my XXXX XXXX XXXX account for cable. I returned the cable box by mail, but started receiving collection demands to pay for the allegedly unreturned cable box in the approximate sum of {$200.00}. I disputed this debt with the first collection company ( can not remember the name ) and assumed it was resolved. Then, the " debt '' was apparently " sold '' to another collection company, XXXX XXXX XXXX. Even though I disputed the debt, I paid the amount to avoid being harassed again. This was paid in XX/XX/2019 and I have my bank statement to prove it ( attached ). Now, just this week, I got a notice from XXXX XXXX that I had a derogatory addition to my credit report. A new debt collector, Franklin Collection Service, has reported a collection account of {$200.00} against me to the credit bureaus. I PAID this debt eight months ago. Franklin never contacted me, I never received any  letters. This is a complete fraud and a lie. And now it has damaged by credit as it is affecting my ability to obtain a car loan at a reasonable interest rate.
Consumer complaint received 2020-10-03
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. (IL)

ONLY TRANSUNION HAS REPORTED THIS FRAUD ACCPUNT ON MY REPORT. 
this is the copy of letter I sent them : " RE : ILLINOIS DCFS XXXX Re : Intent To File Lawsuit for FCRA Violation To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 4 previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. 

I await your response. ''
Consumer complaint received 2020-08-18
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/2020 Mr. XXXX XXXX fraudulently filed : 1 ) False Police Report ( attached ) alleging bank fraud on my ( XXXX XXXX ' ) part ; 2 ) Fraudulently REVERSED all CREDIT card payments made from our joint account ( s ) and authorized payment accounts to my creditors for the entire year and in some cases, beyond one ( 1 ) year of payments ; 3 ) XXXX confessed to the above crimes in an OFFICIAL SWORN STATEMENT by and through XXXX  XXXX XXXX ( the bank that completed fraudulent reversals of payments after fraudulent claims were made by XXXX ). The sworn statement was NOTARIZED by two ( 2 ) FDIC officials and bank manager on site ( see attached ). 

Due to XXXX XXXX XXXX  crimes ( above ), his additional criminal acts include XXXX XXXX, a conviction of same, and the reason I was confidentially relocated, forced to return my vehicle ( fear of additional beatings/crime ), and I was UNAWARE of all of the financial fraud in addition to vehicle payment and return. 

Despite numerous disputes with XXXX XXXX, they continue to sabotage my credit report, cause grave financial and ongoing harm to my detriment. 

Under every clause contained in the FCRA, they are in FULL violation of my rights. 

Please help! 
Respectfully, Criminal Offender : XXXX XXXX, XXXX XXXX FLORIDA XXXX XXXX XXXX ( XXXX XXXX, XXXX, Florida ) contains partial documents ; remaining documents ALSO furnished to above creditor. Thank you.
Consumer complaint received 2020-08-18
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. (NJ)

I disputed information on Transunion, XXXX  and XXXX for accounts that do not belong to me. I sent multiple dispute letters. The 1st letter was mailed on XX/XX/2020, 0n XX/XX/2020 I received the results claiming to have verified the items I disputed. On XX/XX/2020 I disputed the items again, on XX/XX/2020 I received letters once again claiming to have verified. The accounts and items are not mines.
Consumer complaint received 2023-05-17
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. (SC)

I am asking kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not mine!
Consumer complaint received 2020-08-18
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. (WA)

Experian XXXX and XXXX  are all reporting my student loans unlawfully on my credit report. according to Washington state RCWs > Title 19 > Chapter 19.182 a consumer can not report accounts more than 7 years old. I have disputed all credit reporting agencys mentioned and was refused the correction. I have also disputed the wrong social security number being reported on my Experian credit report and the agency refused to fix the correction. I have also disputed my name being reported incorrectly and multiple times on experian and the agency refused to make the correction. The agent on the phone told me that it does not matter that my name is reported the way it is and that he was not going to remove it. I have also disputed wrong addresses being reported on all the mentioned credit reporting agency 's mentioned. the agencies are still reporting the wrong addresses. 

According to the cares act that has been passed due to coronavirus pandemic, Student loans are required to report cuurent status of loans as current and paid. Experian XXXX and XXXX are all reporting my student loans as past due and not current. I have complained of this recently and i have not gotten any corrective action, My civil rights are being severly violated XXXX is reporting wrong information about me to businesses causeing adverse actions they are also reporting information that should not be reported because the information is more than 7 days old. I have complained to Washington states Attorney general. XXXX responded claiming to be a reporting agency reseller but is being listen as a credit reporting agency on one of the adverse letters i have recieved from the business i was dealing with. 

the economical difficulties i have experienced from these credit reporting agencies has severly affected my family. I have children that have health issues that have been refused stable housing. I am a victim of XXXX  XXXX and i suffer from a XXXX XXXXXXXX. I have submited complaints to the department of education multiple times on the reporting on my credit report and i have not gotten any help. 

I am an XXXX american woman single mother low income and current on public housing assistance. The negligent acts of these businesses has restricted me from recieving services that would enable me to sustain a suitable life for myself and my children. I do not have the financial means to afford an attorney and have been forced to deal with the burden of these businesses. I feel victimized behind XXXX discrimination based on my race, family status, and XXXX. I have not had any corrective action dispite my multiple attempts to correct. I would like to peruse civil action against all parties involved