davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX has violated my consumer rights reporting information that is obsoelete and degrading my character and rights i have never authorized XXXX XXXX to report anything to any credit agencies so with that being said under the fcra that is most definitely viloating my rights nor have i did business with these creditosr i have reached out to the companies demanding to remove these accounts and i have sent 3 demand letters im now filing a class action law suit against XXXX XXXX, Experian, and XXXX, XXXX XXXXtwas sent a police report which was denied they stated i need a new police report which is not truei only need one which the one i provided as of XX/XX/XXXXall companies has been violating my consumer rights and reporting obsolete information i also gave experian a demand letter demanding to remove fraudulent accounts they did not complete a verified investigation nor did they provide me any proof of how the fraudulent accounts verified this now has been referred as a civil lawsuit
Consumer complaint received 2021-11-20
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. (PA)

My personal information was stolen/ missing a few years ago. As the result, around XXXX, someone had used my identities ( SS Card, Driver 's License, etc. ) to open an account with XXXX XXXX XXXX, as I was told. This matter was reported to the police and the XXXX. XXXX XXXX XXXX was also notified. Following a series of investigations, XXXX XXXX closed and marked the account, FRAUDULENT/ ID THEFT. However, XXXX XXXX continues to harass, threaten, and seek to extort {$1400.00} from me. I have filed several disputes with XXXX XXXX, alongside TransUnion XXXX XXXX but the negative mark is yet reflected on my credit, causing me prolonged damage/ undue suffering/ pain, as they have all, refused to correct/ remove a damaging account from my credit report for almost 2 years. This action of TransUnion, XXXX and XXXX and XXXX. violates, the FCRA Guidelines/ Regulations, given that the Debt Collector/ Collection Agency ( XXXX XXXX AND XXXX ; AKA : XXXX XXXX XXXX XXXX XXXX is a FRAUD -- acting criminally, as it claims to represent a company/ original creditor ( XXXX XXXX Leasing ) with whom it has no ties or whatsoever. Moreover, XXXX XXXX Leasing ( i.e., the purported " original creditor '' it claims to represent ) has investigated and CLOSED the account, marking the said account as IDENTITY FRAUD. Sadly, my life is destroyed, as XXXX XXXX XXXX continues to call, threaten, and refuse to remove this off my credit until I pay them the amount of {$1400.00} for a debt I do not owe. TransUnion and XXXX have failed to request evidence from XXXX XXXX XXXX... ignore my disputes.
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting Act XXXX account number XXXX violated my rights. 15 U.S.C. 1681 section 602 A. States that I have a 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. This company has not validate any debt.
Consumer complaint received 2021-11-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

Thank you for your time. I have been going back and forth with all XXXX credit bureaus XXXX, XXXX, and Experian. Over the last couple years have sent endless letters. I have called to have my wrong information removed they still haven't removed the wrong names and addresses. They always send back information verified. So i ask for the validation of the information and I'm never given any real validation. I'm victim of the XXXX breech which has comprised my identity because someone has access to my personal information. I would like for all these accounts to be deleted off of my record. Below are all the accounts that need to be removed XXXX AND XXXX XXXX ACCT. # XXXX AMOUNT- XXXX XXXX ACCT. # XXXX AMOUNT- XXXX XXXX XXXX XXXX ACCT. # XXXX AMOUNT - XXXX XXXX XXXX ACCT. # XXXX AMOUNT- XXXX Please take a careful look at these accounts and remove them please. Thank you for your time and patience.
Consumer complaint received 2021-11-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Thank you for your time. I have been going back and forth with all XXXX credit bureaus XXXX, Transunion, and XXXX. Over the last couple years have sent endless letters. I have called to have my wrong information removed they still haven't removed the wrong names and addresses. They always send back information verified. So i ask for the validation of the information and I'm never given any real validation. I'm victim of the XXXX breech which has comprised my identity because someone has access to my personal information. I would like for all these accounts to be deleted off of my record. Below are all the accounts that need to be removed XXXX AND XXXX XXXX ACCTXXXX XXXX XXXXXXXX AMOUNT- XXXX XXXX XXXXXXXX XXXX XXXX AMOUNT- XXXX XXXX XXXX XXXX ACCT. # XXXX AMOUNT - XXXX XXXX XXXX ACCT. # XXXX AMOUNT- XXXX Please take a careful look at these accounts and remove them please. Thank you for your time and patience.
Consumer complaint received 2022-05-23
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. (MS)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts and inquiry completely from my Credit Reports : Accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$45.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$56.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$56.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$94.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$56.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$100.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$58.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$56.00} XXXX Inquiry Date XX/XX/2020
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
Consumer complaint received 2022-05-23
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Sometime during covid my credit report was completely wiped out good bad all of it I have a credit score of XXXX still today have a credit score of XXXX which is affecting me terribly I don't know why my entire credit report was deleted I have no credit XXXX is my score or who did it or why they did it
Consumer complaint received 2022-05-23
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. (NV)

This investigation took longer than 30 days and was sent on XX/XX/2022. Equifax is in violation of 15 U.S. Code 1681c-2 and was supposed to block the fraudulent accounts within 4 days once they have received my complaint. Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Im my credit report its showing its in collection .. after checking with company and company website it shows that account transferred to another collection agencies .. when trying to contact another collection agencies then they said no such account with us.

Now first collection agencies still updating in the report that this is collection account however the balance is zero
Consumer complaint received 2021-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX an attempt was made to pay my credit card through my local Bank of America XXXX XXXX {$1000.00} Was initially deposited however {$100.00} was returned due to being an old bill. After returning the bill the machine froze and after a brief wait it switched back to the welcome screen, never providing confirmation of payment or any receipt. On XX/XX/21 I went to the branch in an attempt to resolve the manner, I was directed to their credit card support phone line. Upon calling the support line I repeated said facts related to the incident, and was told that a claim would be opened and I would hear a response within XXXX business days. It is currently XX/XX/21 and I have yet to receive any communication or resolution from Bank of America related to the issue.
Consumer complaint received 2022-05-23
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX, XXXX & XXXX Account number : 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 2021-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (CA)

I was sent a spam email by Netspend telling me I had signed up for their card on XX/XX/2021. I did not sign up for this service and was unable to cancel online. I have not and will not activate this card.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy federal CR Union, account XXXX Navy federal CR Union, account XXXX In according with the fair credit reporting act XXXX account # XXXX, has violated my right. 
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 and purpose.
Consumer complaint received 2022-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
1

5 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 2022-05-23
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX Account number : 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 2021-11-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (OH)

I had extremely bad experiences with XXXX XXXX XXXX. Following normal practice, I prepared a document and contacted their Customer Service via their web-based portal. Here is the correspondence : I filed my complain on XX/XX/XXXX, which was answered on XX/XX/XXXX. 
I replied to XXXX on XX/XX/XXXX that their answer is unacceptable to me. 
XXXX replied on XX/XX/XXXX, which was referring to an incorrect date and had practically identical content. Actually, this made me to contact your office. 
I replied to XXXX on XX/XX/XXXX that I would stop communicating to them and will find remedy in different way. 
All documents are compiled into the attached PDF file. 
Thank you for your help!
Consumer complaint received 2021-11-20
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)

good evening, I am filing a complaint on experian for providing me with false results repeatedly XXXX I disputed this account based on their incomplete payment history reporting. XX/XX/2021 report # XXXX experians results say they have updated the account based on the disputed information. nothing was updated. payment history still incomplete. 

I responded back XX/XX/2021 asking what did they update because the before and after results stayed the same. correct me if im wrong but since they updated the account then they should be able to show proof of their investigation in my results for my viewing. its my report so its my right to know. 

my new results dated XX/XX/2021 with new report number XXXX, 10  days later from my letter, showing " the item you disputed has been updated, which may include an update to the disputed information. '' again absolutely nothing was updated. everything reports the exact same as my before results but this time with a new report number. to my understanding a new report number signifies a new investigation has been processed, and new investigations are done within 30-45 days, not 10 days according to their website. this is not right they are sending me false results as stall tactics. either way this is not the way a investigation is suppose to be handled. according to the Experian Website Disputes Related to Accounts or Public Records " Updated : This can mean a couple different things, such as : The information you disputed has been updated. 
The information you disputed might have been verified as accurate by the data furnisher, but other information on your account unrelated to your dispute has been updated. '' " Deleted : The disputed item was removed from your credit report. '' " Processed : The disputed item was updated or deleted from your credit report. '' " Remains : The company reporting the information has certified to Experian that the information is accurate, so the item has not changed. '' this information is coming straight from their website. they state that if nothing was changed then the results should say Remains. and if there was a update regarding my letter or not then that's when the results will say Updated. 
WHY DO MY RESULTS SAY UPDATED WHEN NOTHING WAS UPDATED???? this is not even about the incomplete payment history anymore, now this is having to do with experian and their illegal practices and for failure to properly conduct a proper investigation under fcra law. experian is responsible for damages having to do to my credit report, character, and preventing me from applying for new credit opportunities. bottom line if the account was updated then they should be able to provide proof of the updates for my viewing especially when I requested what they updated on two attempts.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Park Hill Holdings (TX)

Hello XX/XX/2023 I applied for a property with XXXX XXXX. XXXX uses a 3rd party SafeRent to verify my information. Within XXXX minutes I got a denial email from XXXX and SafeRent. My leasing agent from XXXX called and told me to dispute my information with SafeRent directly. Immediately I called SafeRent and explained the information verified is inaccurate and has impacted my livelihood. I was informed that this company called XXXX XXXX courts directly and spoke with XXXX XXXX XXXX to verify the information. In which I know for certain isn't accurate because not only does this violate my Consumer Rights, but as informed by county clerk XXXX XXXX XXXX XXXX XXXX. Several XXXX XXXX Clerks have assisted me with this ongoing issue. I am overwhelmed trying to get SafeRent to verify in full the information that I've disputed directly with them. Soon after getting denial from SafeRent, I had to apply with XXXX who thoroughly investigated the documents and even chose not to use the automated XXXX system. They had to verify my submitted documents by calling directly to the property on XXXX XXXX. If SafeRent would have taken the due diligence or cared about consumers they will realize that the SSN, DOB, and ID information doesn't match my information. They have based their denial fully by submitting my name in an automated database. Please assist, I've provided attachments and court documents even an notarized sealed letter from an attorney. SafeRent still says they called the County Courts to verify and has the information inaccurate in their database. This violates my consumer rights and also impacts my family livelihood in finding a place to call home.
Consumer complaint received 2021-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (CA)

On XXXX XXXX, 2021, I called and inquired about my replacement card because the current one is set to expire in XX/XX/2021. Shockingly, I was informed that my account was closed. When I asked why my account had been closed, the agent said they sent a letter in XX/XX/2021. I explained I had not received any letters through the mail. When I asked to speak to a supervisor to explain why my account was closed, the supervisor said a letter was sent electronically. I explained to him I was online looking at my account, and there were no emails and no notifications about an account closure. When I asked for an explanation as to why the account was closed and going through their verification process, the supervisors stated the account was closed because Citibank decided to close it - with no other explanation. 
Additionally, this account has auto-charges attached to it. For the last XXXX  months, they have continued to allow charges and have received payments- all without notifying me that the account had been closed. This unexplained decision by Citibank not only has caused a great inconvenience for me as a consumer, but it will also show up as a detrimental mark on my credit report. This practice is unacceptable customer service.