davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-21
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. (PA)

I XXXX XXXX XXXX received a copy of my consumer report and noticed unauthorized inquiries and fraudulent accounts on my consumer report. These accounts are hurting my reputation and hindering me from getting a second job and going back to school to support my family. Im severely stressed because my consumer profile is vital and these fraudulent accounts is these reason I cant get job to support my family I filled out an Identity Thief FTC report see enclosed.
Consumer complaint received 2022-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MD)

On or around XX/XX/2022, I cancelled my XXXX subscription then to ensure no future or reoccurring billing charges I changed credit card numbers. 

XXXX charges appeared on XX/XX/2022, statement. I reached out to Citibank and disputed the charge of {$9.00}. I informed Citibank the subscription was cancelled in XX/XX/2022, I do not authorize any reoccurring charges from this vendor. 

XXXX charges appeared again on the XX/XX/2022 statement. I never gave XXXX the new account number nor authorized Citibank to bill any reoccurring charges for XXXX Citibank set-up reoccurring charges without the consumer knowledge or consent and forcing the consumer to dispute said charge each and every month. 

Citibank is engaging in unlawful practice by rebilling the consumer account after the consumer cancelled the subscription and giving vendor access to new account numbers and forcing the consumer to pay for unwanted services.
Consumer complaint received 2022-05-21
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: CCS Financial Services, Inc. (WY)

In accordance with the fair credit Reporting act XXXX  Account : Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX  XXXX Account Number XXXX Account Name XXXX XXXX Account Number 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 a count without my written instructions.

15 USC 1666B : A creditor may not treat a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-21
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. (TX)

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX  XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$4900.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$710.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$880.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$260.00} ), Onemain ( Opened XXXX. XXXX, XXXX, Highest Balance {$1600.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2017-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Ever since Bank of America took over my mortgage from Countrywide, I have had problems getting my homeowners insurance on record. 

I buy my own homeowners, it is effective on XX/XX/XXXX. There has never been a lapse. With Countrywide, no issue. Company faxed the coverage, went on record, over and done. With Bank of America, each year, proof of coverage has to be faxed, and refaxed, sometimes 3 or 4 times. 

This year, I called the insurance company, prior to the effective date, and asked them to please fax the proof of coverage. They did, said it went through. In my ignorance, and not hearing from the company, thought, this year was different. No such luck. 

Received a letter saying they were increasing my monthly mortgage to cover the insurance they put on the house. I called said, no, there was homeowners, effective XX/XX/XXXX. Also said proof of insurance had been faxed to them prior to XX/XX/XXXX. Person on the phone asked to have it refaxed to a different number. This was done, called and was told they had the fax, all was well. Received a letter saying the additional monthly payment was taken off. Which I foolishly thought took care of the matter, so burned the letter. 

Today have an email saying to pay the additional or my credit would be effected. 

I do not know what to do, say, plead, threaten to get this over to them, homeowners is paid, proof is sent ( have asked so many times to have it refaxed it has become an issue with the agent and me ) every year. I do not owe for what they can not take care of. How do I handle this? 

A few years ago had a response from some vice-president apologizing for the problem. Does n't seem to have improved the situation. 

Where do I go from here? Is there something you can do?
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I've reached out to TransU twice before to get them to clean up incorrect information. 
( letter # 1 dated XX/XX/22 - My direct request to you are as follows : Please remove the bankruptcy information, and please remove the addresses, phone numbers and names that do not match what I have listed at the top of this letter. Lastly, the current freeze should definitely remain in place. ) They responded on XX/XX/22 but still showed incorrect information. Ugh! 

( letter # 2 dated XX/XX/22 - I write TransU again. Your letter noted that the bankruptcy has been deleted. However, you are still reporting all of the various names ( or aliases ) and incorrect addresses, I am once again requesting to have that information removed/ deleted. Please provide a corrected report so that I can validate the correctness of the information you are sharing about the file with my name on it. ) They responded on XX/XX/22 with a form letter saying it didn't appear that a third party was improperly authorized to request my info. What?! 

I contacted them online initially and got no response so I sent 2 certified letters. I'm tired of this game and need some help from CFPB for TransU to take this seriously.
Consumer complaint received 2022-05-21
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. (GA)

Experian refuses to allow Consumers to update their paid debt with credit cards or others immediately. They tell you you must wait until the Credit Card does its own reporting. 

XXXX and XXXX allows you to update it immediately. 

Why doesn't Experian? experian has many Clients and the clients as creditors want to charge consumers as much as possible so why hurry to update this information? 

I just paid down by 30 % all my XXXXXXXX XXXX but I have to wait weeks or a month or longer for them to report. this is one sided for the Co and not the consumer. 

Why???? Is it that Experian person are lazy and can't do the work to update it? 
the Vendor client would gladly report the consumer asap. this must stop. 

It should be illegal and must be changed. if the consumer is working on a refiance or new loan they want to apply now not in a month!!!
Consumer complaint received 2023-03-01
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. (CA)

US Department of Education is in Federal violation of the Fair Credit Reporting Act. They are tarnishing my reputation and causing undue hardship for falsely and illegally reporting alleged debt much beyond 7 years old. There are 3 accounts reporting on my credit reports with a status of collections. All are listed as Acct # XXXX with balances reflecting as {$25000.00}, {$54000.00} and {$28000.00}. These accounts are from XXXX and prior. US Department of Education is providing misleading information on my consumer reports. This illegal reporting has been preventing me from being able to apply for credit to provide for my family. My credit is constantly discriminated against because of these large amounts and outdated accounts. They have illegally reported that these accounts were opened in XXXX. I have not attended any school in the last 9 years. These accounts are fraudulent and violate my consumer rights.
Consumer complaint received 2022-05-21
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: LEXISNEXIS (AR)

UPDATED :! 5 USC 1681C-2 ( A ) I am enclosing my identity thief report. Block and delete the accounts and send an updated report and score to everyone that has requested it in the last XXXX months. I also included my Identification so that the companies will know that I am acting on my own behalf. I am not able to get an updated consumer report from XXXX and I have been complaining about this for XXXX months now.
Consumer complaint received 2022-05-21
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. (AR)

UPDATED :! 5 USC 1681C-2 ( A ) I am enclosing my identity thief report. Block and delete the accounts and send an updated report and score to everyone that has requested it in the last XXXX months. I also included my Identification so that the companies will know that I am acting on my own behalf. I am not able to get an updated consumer report from experian and I have been complaining about this for 3 months now.
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (MN)

During application of home loan process, I was informed my credit scored has been hit by certain potential fraud actions someone took using my personal information. I do not recognize the hard hits that were made on my credit score and it appears somebody provided my details to those lenders/credit card companies. 
I want to remove these transactions that are hitting my credit score as these unauthorized hits are impacting my score and potential home loan rate. I have not been late on payments for credit cards bills and do not have any significant debt that could impact my score. I am in a permanent job as well and make good money. So, I request to take into consideration for removing these fraudulent activities that are impacting my credit score for no reason. Thanks so much.
Consumer complaint received 2022-05-21
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2023-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

Opened XX/XX/XXXX Reported XX/XX/XXXX Amount {$18000.00} XXXX XXXX XXXX Filed police report stating I was a victim of identity theft, also contacted the leasing office multiple time advising them that I was not residing in their neighborhood. And that someone falsely used my identity
Consumer complaint received 2022-05-21
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Im accordance with the fair credit Reporting act XXXX Account # 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I have not received the {$730.00} that was allegedly transferred by XXXX to my Capital One 360 Checking account on XX/XX/2022 at XXXX. I did however receive XXXX transfers ( {$5.00}, {$60.00}, {$190.00} ) that was attempted the morning after. I did these transfer through XXXX as a test because XXXX XXXX received the previous transfer. I contacted XXXX although they did send an email verifying that the transfer of {$730.00} was sent. I received a transfer trace number to give to my bank. I immediately called my bank because I was still looking for the transfer of {$730.00} that was done the night before. In the initial email after the first transfer attempt in the amount of {$730.00} it was said that I would receive the transfer in 20 minutes. That was XX/XX/2022. Today is XX/XX/2022 and I have yet to receive. I spoke with several people through XXXX including XXXX XXXX and XXXX ( No last name ). I have been directed by XXXX to do the following : Since theres no indication in our system that this transfer was unsuccessful, if your bank states they are still unable to locate these funds, well need your bank to provide the following : 1.Written documentation confirming that this transfer was either rejected or unsuccessful. 
Reverse 2.Trace Information for the transfer if it was reversed.

3.The name and number of the manager you spoke with we would be happy to reach out to them directly to resolve this issue. 

Capital One has refused to do anything for me that XXXX has suggested above. They also wont trace the transfer ID number that was given to me by XXXX. Their reason is because the number XXXX gave me is only 12 characters long. They said it will have to be 15 characters long. The only thing the bank would do was allow me to file an investigation with my bank but they wont contact XXXX to try to resolve this on my behalf! This will be a 21 day investigation where I will not have any access to the {$730.00}! Ive never had this to happen to me and I dont feel confident that my bank will work for me. I have emails sent from XXXX that support that the transfer has been sent but Capital One Bank refuses to allow me to send those supporting documents! All I need is a letter from management with Capitol One stating that they have NOT received the instant transfer and it was not credited to my account. I would then be able to submit this to XXXX so that they can reverse the transfer. This couldve been done in more of a timely manner instead of having to wait 21 days for an investigation. Capital One is being very uncooperative.
Consumer complaint received 2022-05-21
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: Financial Data Systems (NC)

the credit bureau never did a propre " investigation " according to the FCRA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such information.

they did not do this.

Also, they have violated my right even more in accordance with the Fair Credit Reporting. 

The credit bureau stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal. 
They also violated the law, because according to 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 Comsumer reporting agency can not furnish an account without my written instructions. 

I did not give anybody written instructions.
Consumer complaint received 2022-05-21
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: Experian Information Solutions Inc. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. 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 2022-05-21
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. (VA)

In accordance with the Fair Credit Reporting act XXXX  XXXX  Account # 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 2022-05-21
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. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. 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 EQUIFAX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2022-05-21
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. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. 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.
Consumer complaint received 2024-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-02-28
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. (NC)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt vs Gravens ( MO ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist. 






I reached out to XXXX to dispute this debt and Even offered to settle for them to take it off my report being I dont owe or take ownership. 
I never was informed previously as well. I found out I owed debt by it appearing on my report.