davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-19
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. (TX)

Last month XX/XX/2023, I sent you another dispute letter containing the list of accounts and items that don't belong to me but I still haven't gotten any update about the status as yet. Its been over 30 days. I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX, and the Office of the Atty General if do not I receive the correct response.
Consumer complaint received 2022-09-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

In XX/XX/2022 my account is reported to credit bureaus XXXX, experian and XXXX  it is current and in good standing. Then in XX/XX/2022 the company reports 90 days past due. Also inXX/XX/XXXX90 days past due. You cant go from 0days past due to 90 days past due in 30 days. Both months are reported incorrect. When I disputed it they just turned around and said it was correct and closed the dispute. Unless the XXXX agent doesnt know basic math, anyone can see its incorrect.
Consumer complaint received 2021-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (VA)

Synchrony Bank, on XXXX XX/XX/2020 inciting that they felt I could not pay them. They closed 5 accounts ; most had no balances ; one had a credit balance. I have never been late with payments and have no idea why they took this action. They closed my XXXX, Lowes, Care Credit, Amazon, Mattress Firm, Synchrony Home. The only two with balances which were paid on time were Credit Care and Amazon ... never late!!!
Consumer complaint received 2017-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

Hi Equifax got my wrong date of birth from some sources.     To correct it I have sent  XXXX  documents (  DL & SSN )  to Equifax on   XXXX   XXXX  .     They confirmed over the phone they will update within  48 hours  but after even  one week they have not updated my DOB their customer service has no tractabilit y about all the document and they are completely clueless why they have not updated my DOB.       As a result, a result whoever need my credit report they are geeting wrong info and I completely screwed up.     Please help me to resolve this issue ASAP.     With Thanks   XXXX   XXXX
Consumer complaint received 2024-01-31
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. (FL)

I recently received notification that my complaint was closed without any further resolution. This outcome has left me disheartened, as I believe a more thorough examination of my concerns is necessary. In a situation where inaccuracies impact one 's credit report, it is only fair to expect a diligent and comprehensive resolution.
Consumer complaint received 2017-05-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Submitted a dispute o n   XXXX   XXXX  ,2017 to  Transunion to for removal of the negative collection accounts that are reporting and they finished the investigation in less then  24  which tells me there was no investigation they just sent out their generic letter for disputes.
Consumer complaint received 2017-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have received information back from the company stating the laws and why the inquires on my report are factual, However the company is not reading and understanding what I am saying as I have stated the inquires on my report are fraudulent as I was in the department of corrections when they were made, and you are not allowed to apply for credit when you are in prison. I have gone to the companies to dispute these errors and have spend hundreds of dollars sending certified mail only to get a response that the credit bureaus responsibility to remove FRAUD. Therefore I am again requesting that the credit bureau needs to do this job properly and read the complaint I am submitting. I am aware of the laws but I am also sure you are aware that you can not go shopping when you are in prison.
Consumer complaint received 2024-02-01
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. (GA)

I AM DEMANDING TRANSUNION TO UPDATE THE FOLLOWING ACCOUNTS AS " PAID AS AGREED NEVER LATE, AND TO DELETE ALL LATE PAYMENTS ON MY REPORT. 

A Written dispute was sent XX/XX/XXXX return sender, and certified mail # XXXXCompany responded with generic response please see attachment. 

A Written dispute was sent XX/XX/XXXX return sender, and certified mail # XXXX. Company responded with generic response please see attachment. 

A complaint was submitted on XX/XX/XXXX with the CFPB complaint ID XXXX ) regarding Transunion reporting inaccuracies on my consumer report. The company responded that the following information will be updated and I will receive an updated report which I haven't. 

Im not understanding how the case was closed without the following information being updated. I checked my credit report on XX/XX/XXXX. The company has not updated the information nor provided supporting documentation validating the late payments reporting on my consumer report. 

The following accounts are still reporting inaccurately : XXXX. XXXX XXXX {$4000.00} - Unverified Late Payments XXXX XXXX Late payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX {$2000.00} Unverified Late Payment XXXX XXXX Late payment : XX/XX/XXXX. 

I have been a proud member with XXXX  XXXX since XXXX, the creditor nor I has given Transunion the consent to report these inaccuracies.
Consumer complaint received 2024-06-18
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV INC. (CA)

Received a Money Network card from XXXX XXXXXXXX. Was able to activate the card initially and check my balance. 

Currently I'm unable to log in to their website, as it goes straight to an error page when I try. I downloaded their app instead to manage my unemployment money, and that is similarly broken. Can't log in, reset my password, or even attempt to reverify my card. All app functionality is broken. 

Because of this, I am currently unable to access my account to transfer funds to my actual bank account. My money is held XXXX.
Consumer complaint received 2023-07-28
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. (TX)

XXXX XXXX XXXX, XXXX 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 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. 15 USC 1681a ( d ) ( 2 ) ( A ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report, and this also clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance! Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I need the above transactions deleted from my consumer reports! Best regards, XXXX XXXX Enclosed : copy of ID
Consumer complaint received 2017-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

i have received bad information in regards to loan. even though it has been difficult to repay loan due to lack of work and illness. I have still been trying to make arrangements. I am currently trying to enroll in school to further my education for employment reasons. I am not getting any help from loan officers. not to mention that I do n't even remember half of the loans that they are referring to. I feel like I am being swindled by the loan company
Consumer complaint received 2023-02-22
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. (CO)

In accordance with XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX, XXXX Account XXXX XXXX , XXXX XXXX XXXX Account XXXX XXXX, And XXXX 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.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2024-02-01
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. (CO)

I recently reviewed a copy of my credit report. I was surprised to see and learn that I have been a victim of identity theft as, I have found numerous accounts on my credit report that I did not authorize and did not open ; this collection account needs to be removed, pursuant USC Title 15 1681 as soon as possible. I am writing to request an immediate federal intervention regarding unresolved identity theft on my credit report by : TransUnion Intermediate Holdings , Inc., XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Despite notifying them over 30 days ago and requesting an investigation as per the Fair Credit Reporting Act ( FCRA ), the fraudulent accounts remain on my report, unaddressed. This negligence violates my rights under FCRA and continues to inflict financial harm. I urge the CFPB and FEDERAL TRADE COMMISSION to ensure the removal of these accounts and uphold my consumer rights : XXXXDEPT OF ED, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.
Consumer complaint received 2023-07-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (TX)

I attempted to contact the company 5 times to get verification of debt. They claimed they could not give it to me and I would need to contact a different company. When I started that I needed verification from them, as they were the ones to supposedly purchase my debt I was talked down to and hung up on several times. Velocity Investments is the company.
Consumer complaint received 2023-08-02
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: American First Finance, Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-02-22
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. (MS)

My rights as a consumer are being violated with this inaccurate information. I have the right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance! The one thing I won't tolerate is negative information. It doesnt matter if it's certified or not, what matters to me are the facts and truths of anything that may be going on with your company and the data you have concerning my credit profile.The credit report I received is not accurate which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.Here 's my challenge for you : Make a document that shows all of the evidence for each claim and send it to me. It should be verified, complete and true! The 2020 XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. I'm unsure if the reporting process was done correctly or whether it's in proper format, so we can't say that your claims are accurate either way. The following claims are controversial and have not been independently verified as true.Please remove any false accounts from my credit report. I am requesting that you take care of this as soon as possible so it does not affect me financially in the future. My credit report is my life. I want only factually accurate, verified and compliant data documented on it!
Consumer complaint received 2017-05-14
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: WELLS FARGO & COMPANY (NY)

Wells Fargo  has transferred an equity loan account without my consent or knowledge for what they claim was for administrative reason. This is a false statement as the loan in question, now account No  XXXX  was secretly transferred to release the tile of the primary mortgage prior to the home 's foreclosure in  XXXX  of  XXXX  and was done so a year prior to said foreclosure all whil e Wells Fargo  was supposedly working with me regarding a loan modification.  Wells Fargo s eemingly was looking to make good due to the outcry of predatory lending claims by millions of former Pick-a-payment customers. The loan type has since been outlawed an d Wells Fargo set tled a class action law suit, of which i opted out of, for millions upon millions of dollars, which equated to {$700.00} - {$1200.00} dollars per victim  ( p ennies on the dollar ).  Wells Fargo w as also found guilty of not modifying troubled home owners during the housing crises, me being one of them as i was denied on multiple occasions from  XXXX  with  one  approval claiming to be a modification but was nothing more than baking back payments back into the loan without changing any note payment terms. with that said, Wells finally agreed in  XXXX  to work with me and modify my home as they should have done back in  XXXX , so what did they do? well they did n't go back to see if i should have been approved back in  XXXX  when I had a ton of debt and a hefty mortgage payment, instead they based my mod qualification on my current finical state, which had dramatically approved since I had stopped making my mortgage payments on a predictor loan in favor of paying all other upstanding credit grantors.Needless to say I was not approved for a home modification a nd Wells Fargo fore closed on my primary home selling the home for  XXXX  less than I was looking to pay in a modification.   My latest complaint was forwarded  to Wells Fargo 's Executive Resolution Specialist   XXXX   XXXX , who I immediately identified a  XXXX  a person with a predetermined position and was just looking to find only information that supported his narrative. I requested his removal directly with his supervision  XXXX   XXXX   XXXX , as I felt his personal opinion was introducing a bias investigation.  XXXX   XXXX  never returned my calls or responded to my many recorded requests left on her voicemail to remove and replace  XXXX   XXXX . Should this latest attempt fail to resolve this issue I will file a formal suit for punitive damages of a minimum of  XXXX   XXXX  dollars.
Consumer complaint received 2024-02-01
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. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-09-04
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. (FL)

This letter is to formally inform you that I recently received a copy of my credit report that your company publishes. Upon review of my credit report, I found several items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, containing 47 fields, which summarized the data submitted to your bureau specific to my particular file.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.
Consumer complaint received 2023-03-16
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX has refused to comply with the fair credit reporting policy by asking me for correct information to verify my identity which I have already sent them a copy of my state ID and poof of my address and my social security number and a police report stating that the accounts listed are the result of fraud and 12 inquiries are all fraudulent and this agency is giving me a hard time about removing this incorrect information from my report in a timely manner.
Consumer complaint received 2023-02-19
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. 
XXXXXXXX XXXX XXXX  : ACCOUNT NUMBERXXXX, XXXXXXXX XXXX XXXX : ACCOUNT NUMBER.XXXX, XXXXXXXX XXXX XXXX  ACCOUNT NUMBER. XXXX, XXXX XXXX BANKRUPTCY DISMISSED, 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. SECTION ( 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 SHILL NOT FURNIST 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 2017-05-13
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 — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P. (FL)

I debt was removed from my credit report report because I disputed the account. I spoke with the original creditor and their records show my account is at a   XXXX   balance. Also offered to open a new account.     Within the same month the same collection was placed back on my credit, with no notice. I could n't believe it.