davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-13
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Consumer complaint received 2019-12-03
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. (KS)

I contacted XXXX XXXX Bank the same one notorious for unauthorized account openings, illegally charging minorities and women higher Apr on auto loans, forcing bank employees of illegally up selling et al, and explained that I have never been late, much to my dismay I applied for a XXXX XXXX account and was turned down because of XXXX XXXX improper and untrue reporting of a 30 day late in XXXX of 2018. This reeks of typical XXXX XXXX ineptitude, I have never been late further I paid off the entire balance without any problems nor lates as judged by my credit report. Hence it was the height of irony I have a 30 day late after complying with all the terms of my account. I had this account for 2 years prior and never not once A LATE. THIS is factually incorrect and XXXX XXXX aside from standard talking points does nothing to correct this. I even tried in Ernest to rectify the matter with them by asking if it was possible to get another card that I would use to show my willingness to continue a business with them, I was told a myriad of excuses that seemingly contradicted the prior csr. At this point I just want the report fixed and report the account accurately, obviously Experian, XXXX  ( who runs private servers on the open internet with admin and password123 leaving millions of Americans private information exposed including my own ) and XXXX  are not going to investigate as they simply parrot what the creditor tells them and don't in fact engage in any meaningful investigation, despite numerous district and appellate courts demanding they do so ( see Summerfield V. Equifax, Diprinzo V. Mbna bank, Experian Settlement with Fraud victims out of the Federal Court of Illinois ) ; so that's a waste of time. I demand that XXXX XXXX send each reporting agency an update demanding the fix of my report to reflect no such lates. This is actual harm being inflicted, and as such a case or controversy /justiciable harm.
Consumer complaint received 2018-02-26
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: WELLS FARGO & COMPANY (CA)

I did not authorize Wells Fargo on XX/XX/2017 to do a Hard Inquiry on my credit report. I called customer service to dispute the item but the issue has not been resolved.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I applied for the public service loan forgiveness program ( PSLF ). My loans were transferred from XXXX to XXXX. In XXXX of XXXX, XXXX informed my my application was complete and my loans have been forgiven under the PSLF program. The loan information was moved to XXXX but XXXX is still reporting to credit bureaus that I have a balance with their company. This is despite the fact that on XXXX 's website, they reflect I have a zero balance. I contacted the company on a prior complaint and they reported back that the ~ {$34000.00} balance is correct. I contacted the company via phone last week and the customer service agent confirmed my balance is {$0.00}. I asked the agent to have XXXX report to the credit bureaus. I received a letter on XX/XX/XXXX stating XXXX is correct in their reporting and will not change the information. This is despite the fact that my loans were moved from them in XX/XX/XXXX. 

Attached are documents from XXXX informing me in XXXX of XXXX that the loans were being transferred, a screenshot of my stated balance with their company pulled from their website, the letter I received this week, and then the forgiveness notification from XXXX.
Consumer complaint received 2023-05-12
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. (NV)

After reviewing my credit report i must inform you that i am NOT responsible for these fraudulent accounts. Someone stole my identity and open up the fraudulent accounts in my name. I have already sent letters to remove this inaccurate information and here 's the tracking numbers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code and 1681c-2 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. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts and inquiries listed IMMEDIATELY! 

FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

XXXX XXXX  # XXXX ( XXXX ) {$670.00} XXXX XXXX # XXXX ( XX/XX/XXXX, XX/XX/XXXX ) {$1700.00} XXXX XXXX XXXX XXXXXXXX ( XXXX, XX/XX/XXXX ) {$97.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ) {$64.00} Caine Weiner XXXX XXXXXXXX ( XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ) {$90.00} These companies keep showing up on my credit report and I don't know them with being XXXX had a big breach I would like for these items to be removed. No Actions was done because I didn't know how to locate these companies.
Consumer complaint received 2020-09-25
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. (CA)

XXXX  and TransUnion are reporting balance and or high balance on accounts that are closed which is violation of credit reporting also all closed accounts do not state if original creditor or sold all closed accounts are reporting incorrect information as these accounts are sold to third parties so XXXX  and TransUnion are using incorrect information on re-aged accounts
Consumer complaint received 2023-05-25
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. (CA)

I checked my credit report and found that some of the data were incorrect. Transunion is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-12
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. (VA)

reporting XX/XX/2023 The data for this account appears to be inaccurate or inconsistent with established reporting standards of the XXXX. I would like you to review it again and prove that everything is true, accurate, complete ( in time ), verified & compliant with all requirements- if not then please remove my profile! 
Upon inspecting Dispute Status ( XXXX ) exhibiting Account not disputed. These discrepancies are alarming and I'm confident you'll resolve them quickly. Please review the account with a fine tooth comb, as it appears that something isn't quite right here! The data appears inaccurate or inconsistent with established reporting standards of the XXXX. 
" XXXX  '' Is to be removed immediately.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BARCLAYS BANK DELAWARE (CA)

I am attaching a approved police report it will summarize the information on the situation under cards used fraudulently both coming from Barclays, XXXX XXXX and XXXX
Consumer complaint received 2023-05-25
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)

XXXX, this account was open on XX/XX/XXXX, this account is older that 7 years old and needs to remove from my credit reports.
Consumer complaint received 2023-06-12
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. (PA)

I received my credit report on XX/XX/2023 and noticed there were hard inquiries that don't have a permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times ; they keep violating my rights under 15 USC 1681b. I also have attached the hard inquiries that don't have any purpose to be on my credit report.
Consumer complaint received 2023-10-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc. (WY)

Around XX/XX/2023 I requested to withdraw all funds from my investment account ( approximately {$1000.00} ) and MoneyLion refused to do so. They requested further information to verify my identity. I did exactly as asked and sent them all the info they requested but they promptly locked my account and kept the money inside the account. No matter who I talked to or asked, they would not tell me why they did this, or give me any information on they did with the money.
Consumer complaint received 2019-12-03
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: CITIBANK, N.A. (FL)

Good afternoon, I am writing to your agency again in regards to a previous case # XX/XX/XXXX-XX/XX/XXXX. Brandsource advised on a letter mailed to me and your agency, that they would update my credit report for all three credit bureaus to include a statement " disputed by consumer ''. They failed to do so. I have recently disputed this account with all three major credit bureaus since this statement is missing from my credit file. Furthermore, to add insult to injury, Brandsource failed to report accurate payment information. On my XXXX  credit report, they reported my payment history inaccurately. I always paid more than the minimum payment. On two reports, they reported XXXX as the amount paid and only the minimum payments of {$27.00}, {$28.00} for each month. All of these inaccuracies is affecting my credit score. On my XXXX  credit report, they stated that I had a high balance of {$1400.00} from XX/XX/XXXX to XX/XX/XXXX which is not correct. The high balance of {$1400.00} was only for the month of XX/XX/XXXX. On XX/XX/XXXX, my balance had reduced to XXXX. I paid off my account entirely by XX/XX/XXXX. As I stated previously, I always paid more than the minimum. Not only did Brandsource lie and state they closed my account at their own request but they have not reported my payment history for XXXX  and XXXX reports as required. I will be submitting copies of my current credit reports to support this new complaint along with supporting documentation.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-05-12
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. (AR)

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. 
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 15 U.S.C. 1961 Section 602A States I have the right to privacy. 
15 U.S.C. 1961 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2023-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (GA)

A Loan was taken out in XXXX of XXXX, the loan was subsequently purchased by freedom Mortgage in XXXX. The Property is a FL condominium, and during closing and with all other lenders " XXXX  XXXX '' was not required. It was not in the truth in lending documents and no other unit in the building with other lenders requires it. It is now being billed to my escrow account for lender placed coverage for an amount of {$1400.00}. This has caused my payment to increase without warning and created a hardship. This is not an underwriting requirement for XXXX or XXXX  and there was no due process or constructive notice in regard to the coverage requirement. The new lender was aware that this coverage was not in effect when they purchased the loan and chose to purchase it anyways. I have spent countless hours disputing this and no one can send me where it is a requirement for this in there underwriting guidelines.
Consumer complaint received 2023-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (UT)

I signed up for a US bank account in XX/XX/ under the XXXX  bonus. I followed the 90 day requirement {$10000.00} direct deposits. Additionally, I called in XXXX to confirm that I had met all requirements. US bank should have a record of this call, as it was recorded. At that time, I was told that I met the requirements, but that they took up to 90 days to provide the bonus. It has now been more than 90 days. 

I called again today and was told that the bank was not going to hold to the bonus structure. While the initial fine print said that I could not have a current account or account closed within the last 12 months, it is now structured to be 24 months. I believe this changed after I initiated the account with the bonus, as I had ensured that my previous account had been closed 12 months prior. Again, when I called in XXXX, the woman confirmed that I met all criteria for the bonus. 

I would not have put my money into this low interest account if I had been told I would not qualify. This has lost me significantly as my other savings accounts have 4 % interest and this account has .01 %. The false advertising has cost me money over the last 6 months while US bank profited on holding my money.