davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-30
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. (NJ)

Good Morning ; I'm not sure what's going on with XXXX XXXX XXXX XXXX, i had called them before and i received my title for the vehicle. Why it showing that i was late on XX/XX/2020. That doesn't make sense if they received the last payment since XXXX and sent me my title. I have been trying now to fix this late payment since then and it's taken more than 60 days to get a response and it's still not fixed. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-10-05
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)

XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX  DOA XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$570.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX XXXX  XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$570.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$570.00} Date OpenedXX/XX/XXXX Dispute Revolving Accountsshow tooltip button XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$8000.00} written off. {$8000.00} past due as ofXX/XX/XXXX. 
Account TypeCredit card Balance {$8000.00} Date OpenedXXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date OpenedXXXX Dispute Installment Loansshow tooltip button all not mine
Consumer complaint received 2020-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I have an old Bank of America account listed as a charge off on my credit report. This account is very old and is past the 7 year mark for it to appear on my credit report. This company also can not verify the information.
Consumer complaint received 2023-02-18
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. (ID)

I sent a dispute to Experian because they have an account misclassified as a revolving credit account which greatly affects my score. Both other bureaus have it categorized correctly as part of the home mortgage. The loan is from XXXX XXXX XXXX and its a Home equity loan. Being in revolving credit it affects my Credit Usage % by adding 50 % usage when it is less than 3 %. As soon as I asked them to correct the miscategorization they deducted XXXX points from my score for absolutely no reason other than my request.
Consumer complaint received 2023-05-08
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. (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. 

Account name : DEPT OF EDUCATION/XXXX  # XXXX, Account name : DEPT OF EDUCATION/XXXX  # XXXX, Account name : DEPT OF EDUCATION/XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX # 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 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 2020-10-05
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Federal Cash Advance, LLC of Oklahoma (TX)

XXXX XXXX XX/XX/XXXX A company by the name of XXXX XXXX XXXX XXXX XXXX has been harassing me at work and on my cell. They have so-called hired a caller by the name of XXXX XXXX XXXX XXXX XXXX XXXX who claims to be a proceedings officer working on behalf of XXXX ( online payday loan company ) and Cashmax ( In-store payday loan company ). She told me I owed a combined amount of {$1500.00} to these two companies and were going to take legal action to serve me at my place of employment unless I agreed to pay the accounts off and that there was a case pending against me in my county. I looked up any pending cases in my county and there aren't any. Before I though whether or not it was a scam ( since I have tried to work on debt consolidation in the past that included these two accounts ) I gave this lady myXX/XX/XXXXcard number to pay an initial down payment of {$59.00} to set up a monthly payment plan. They took out the {$59.00} from my card and they attempted to take out the first monthly payment of {$560.00} from the same card and it was declined. Once it was declined, they resumed harassing me by phone on my cell number and at my job. 

She was referred to me by another lady claiming to be a process server named XXXX and another lady by the name of XXXX XXXX XXXX XXXX XXXX XXXX who needed to speak with my employer to determine my location for me to be served and needed the " protocol '' to get me properly served at my employer location.
Consumer complaint received 2020-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (KS)

I was recently the victim of a fraudulent unemployment claim filed with the state I live in. When attempting to work with the credit agencies, I realized how terrible their security STILL is, even after the Experian data breach. 

For example, I am able to alter my Experian contact information and conduct other account actions with only my SSN and my DoB. That allows an attacker who has illegally obtained that information to effectively alter and modify your credit report agency file. 

From what I can tell, NONE of the three credit bureaus have implemented any kind of two-factor authentication using rolling codes or even token devices?! WHY!!!!?!?? 

As it stands, I am effectively locked out of my Experian account, unable to login, unable to reset my username or password. I am unable to actually SPEAK to anyone at Experian as I have tried every option in their phone tree that again, authenticates me using nothing more than my SSN. 

These credit bureaus needs to step up their cybersecurity game.
Consumer complaint received 2020-10-05
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: CBC Companies, Inc. (TX)

XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX  DOA XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Account Name XXXX  XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/2020 Status Collection account. {$570.00} past due as of XX/XX/2020. 
Status Updated XX/XX/2020 XXXX  XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$570.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$570.00} Date OpenedXX/XX/XXXXDispute Revolving Accountsshow tooltip button XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$8000.00} written off. {$8000.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$8000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date OpenedXXXX Dispute Installment Loansshow tooltip button all not mine
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — Store credit 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: U.S. BANCORP (OK)

I have submitted a fraud dispute to US Bank Voyager for my Multi-Service " local '' Fuel card # XXXX. I have attached all the documents including the police report. I have rec 'd an email today stating that they are refusing my fraud claim for the following reasons : Your dispute case with Voyager has been denied.

Please see below reason for denial : Proper use of fraud controls were not in place at the time fraud occurred : The Voyager
Network Rules require a daily swipe, daily dollar, and monthly/cycle dollar limit. 

My cards were all replaced as of XX/XX/2022 because the old ones expired. I had a daily swipe limit of 5 and a daily spend limit set. If all parameters reset with the new cards I was not aware. I have called to voice my concerns regarding their denial. NO resolution was offered. This is a large amount for me to be out and I have never filed a dispute with them and have been a customer for years.
Consumer complaint received 2020-10-05
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)

I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts that are currently reporting are listed on the attached identity theft report along with the fraudulent and unauthorized inquiries. I have attached an FTC Identity Theft report and I am currently awaiting the police report.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

XX/XX/2023 - XXXX XXXX XXXX ( XXXX XXXX XXXX ) Dispute Comments still showing on credit report after dispute is over. After contacting agency they discuss they are no longer reporting dispute comments on credit report and should contact all 3 credit bureaus for removal of dispute on comment section on credit report.
Consumer complaint received 2020-10-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Garrison Investment Group (MD)

Foundation Finance has repeatedly contacted me at my place of business ; a number that they were never given. So I would be very interested in know how they got the number in the first place. Now today I have been getting repeated email from a XXXX XXXX from Foundation Finance asking me to call. When I informed her that I need a reason, she has repeatedly refused to tell me why she was contacting me. 

At this point I'm very very tired of these strong arm tactics and would like it addressed.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TRANSUNION is reporting transactions and experiences on my consumer report which include late payments, Past due amount, Original balance, Monthly payment, Terms, balance, credit limit and monthly payment from the following company : XXXX XXXX  Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) transactions or experiences are not to be reported on a consumer report and pursuant to 15 U.S. Code 1666b a payment on a credit card account under an open end consumer credit plan is not to be treated as late for any purpose. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. This company and their inaccurate reporting have damaged my livelihood.
Consumer complaint received 2020-10-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (PA)

My social security was in the black market and bank account was opened in Chase under my name without my permision, I called to speak with a fraud department and they just told me they will cancel my account and never send me a letter stating that the account was closed.
Consumer complaint received 2020-10-05
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: Abrahamsen Ratchford, P.C (PA)

On Thursday, XX/XX/2020 at about XXXX XXXX an armed XXXX with a bullet proof vest showed up at my private residence to serve me papers of an apparent credit card debt from the Ratchford Law Offices ( XXXX, PA ) aka XXXX XXXX, XXXX, aka a debt collector. I had no previous knowledge warning including letters or other forms of communication. I was blindsided by this whole event. Not only was I blindsided I am in immense fear and have been having nightmares since this XXXX showed up at my home. My emotional response has been darning. The point is not whether or not I may or may not have the debt they accuse, but that these debt collectors are using XXXX and the courts to scare and intimate people. The small claims courts and magistrates are just as bad by allowing this to proceed especially when most people are in debt and can't afford an attorney. I have asked the debt collector for more information and they have yet to comply. My " court '' date was moved from XX/XX/XXXX to XX/XX/XXXX, to now XX/XX/XXXX. XXXX.I can't afford to take time from work for this.The statutes of limitiation in PA to collect a debt is 4 years. I think this may be past its expiration date.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX ' XXXX XXXX XXXX XXXX XXXX IL XXXX Subject : Dispute of Inaccurate Account Information - Not Mine Dear Cfpb I am writing to dispute the accuracy of certain account information on my credit report, as I have identified an account that is not mine. Upon careful review, I have determined that the following account does not belong to me : Creditor Name : XXXX XXXX Account Number : XXXX Date of Opening : Not Available Inaccuracy : Not my Account Incorrect information I request a thorough investigation into this matter and the removal of the inaccurate account from my credit report. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute and rectify inaccurate information. 

Please provide written confirmation once the investigation is complete and the inaccurate account has been removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-10-05
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. (TN)

My first dispute was sent the beginning of XX/XX/XXXX for identity fraud. I sent an FTC report along with a police report. The results of my disputes were completed XX/XX/XXXX. They are refusing to remove 3 of the 4 items from my credit report. They are XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXXXXXX. I want these blocked from my report. Per FCRA guidelines 650 Iwant this items blocked from my report.
Consumer complaint received 2023-01-06
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: Paypal Holdings, Inc (CA)

There were erroneous charges on my venmo prepaid card when there were no funds on the card. I did not make the charges. 

I do not use that card very often and did not know the charge was there until the venmo agent called to collect a debt. I told the lady that I did not make the charges and she continued to ask for payment. She said she was transferring me to another department of which the line continued to ring without anyone answering. 

I went onto the venmo app on my phone to dispute the charges and the email response I received stated that they were declining my dispute.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

I reviewed my consumer reports and noticed that I have late payments for an account that was closed in XXXX of XXXX, and yet you have been reporting this account late XX/XX/XXXX until XX/XX/XXXX. American Express has also sold this debt to a 3rd party collection agency and has tried to collect the debt from me in a settlement via email. This is against the law! 

Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

The following account is CLOSED, not LATE and currently is being handled by a 3rd party collection agency as well and needs to be removed for multiple violations of my consumer rights : AMERICAN EXPRESS ACCT NUMBER - XXXX Please investigate and provide proof with statements showing that these payments were in fact late as you are reporting, the account was NOT closed as you are stating and that a 3rd party agency has not been assigned to collect debt from me. 

If you are unable to prove any of this, I demand that this account be removed, I also demand monetary compensation for defamation of character as I have asked you to investigate this account previously with no results. YOU ARE IN VIOLATION of the FCRA 15 USC 1681 ( E ) ( b ), I am entitled to {$1000.00} per violation and will be sure to collect. This complaint has been CCD to the CFPB.
Consumer complaint received 2020-10-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (AZ)

I had {$1100.00} in unauthrized transfers on my card occur and had three denied claims that were submitted in time with signature and had my account closed and the balance of {$1600.00} sent to me in three bad checks that were insufficient funds and were bounced and returned to me by Netpsend bank Western Union. 

Western union owes me {$2700.00} for denied claims submitted in timeframe signed and for closing my account without authorization and sending me a bad check.
Consumer complaint received 2024-03-20
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX