davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-26
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. (GA)

I disputed these Items several times with Experianand they did not comply with 609 letters. Please note : Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : XXXX has refused and I have the right to demand that you disclose to me all of 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. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd pa rties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsectio n ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of th e investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Unverified Inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
2. Unverified Inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
3. Unverified Inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
4. Unverified Inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
5. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
6. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
US DEPT ED Account Number : XXXX Delete this account. 
9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX
Consumer complaint received 2022-05-29
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. (MO)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Mo, XXXX Transunion XXXX XXXX XXXX XXXX, pa XXXX Re : Unauthorized Credit Inquiry To Whom It May Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. 
I understand that you shouldn't be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 


I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you've had the unauthorized inquiry removed. 


If you find that I am remiss, and you do have authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. 


Thank You, XXXX XXXX
Consumer complaint received 2019-03-25
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: SYNCHRONY FINANCIAL (MI)

I ordered dresses from XXXX on XX/XX/XXXX and paid for the three day expedited shipping. By the end of the first week of XXXX, I emailed to inquire status and then I cancelled my order. The second week of XX/XX/XXXX, I had not received my items, I cancelled my order again and told the company I do not want to do business with them. They sent me a return email stating that my order was on the way. I told them again that I didn't want it and they in turn sent me the order at the end of XXXX anyway. I had to send it back PAYING SHIPPING AGAIN when I told them not to send me the order as it was cancelled anyway! I paid for these items through PayPal Credit and to whom I sent in a dispute. After months of going back and forth, I received an email from Paypal stating that they denied my dispute as the reason of my items not looking the same, they are not seeing proof. The items looking the same was NEVER my claim. My claim was that I paid for three day shipping on XX/XX/XXXX, but cancelled my order my by three first week of XXXX. This company forced me to do business with them by sending the items anyway AND I DID NOT RECEIVE THEM UNTIL THE LAST WEEK OF XX/XX/XXXX. I TOLD THEM I DID NOT TO DO BUSINESS WITH THEM AND TO REFUND MY MONEY. I HAVE THE EMAILS REQUESTING THIS. Paypal will not accept an appeal from this unresolved dispute ; They simply just toy around with me by keeping me on hold. Very XXXX!!!! XXXX says not to return to the address given but, would not provide another address. I returned items to address on packages.
Consumer complaint received 2022-05-29
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. (FL)

n accordance with the Fair Credit Reporting act Account XXXX XXXX XXXX ACCT # 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 XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX, XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX
Consumer complaint received 2017-07-26
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: EQUIFAX, INC. (PA)

Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, SSN, or DOB in order to appear in your credit file. Equifax is the only main Credit Bureau that is still not in compliance with the law. I called on several occasions trying to address the issue, but I was just given the run around. Attached to this complaint is proof of the other XXXX main Credit Bureau 's removing the non compliant public record from my file. I work XXXX jobs and take care of my mother, I do not have the time or energy to keep going back and forth with Equifax about this matter that needs to be resolved so that I can move forward with getting my finances in order for me to start my own business so that I can spend more time with my Mom. I 'm truly grateful for companies like CFPB for giving everyday people like myself a voice. I really hope that this matter gets resolved so that I can get back to my life.
Consumer complaint received 2020-11-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION (TN)

We were constantly trying to find out what the problem with our loan. Why it was taking so long and we could not get updates. I spoke with the loan officer and notified her our lock was about to expire. She said they would take care of that. We were wanting to buy a point. I finally ask for her boss, who was rude to me! We were told we were going to close in XXXX. That didnt happen. We were then notified we would have to get another appraisal but they would pay for it. I notified customer service and got XXXX XXXX who said she would look into this. Well we show up for closing and no pkg. The closing agent let me see Closing Statement. We closed on XX/XX/02 and I just got to pick up the closing statement no closing papers.. we could have them on Friday. Today is Monday the XXXX and I just now got the closing statement and check for {$1400.00}. We were lied to.
Consumer complaint received 2022-05-29
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. (MO)

I, XXXX XXXX, a natural person and without the help of anyone in filing this complaint declare that the XXXX XXXX XXXX EXPERIAN is violating my rights by refusing to send me the results of the investigation of all negative accounts reporting on my credit file in spite of many certified letters requesting the results and methods of said investigation. I now also am requesting they send me that AND my credit file.
Consumer complaint received 2022-05-29
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 & Account Name : XXXX XXXX XXXX, Account NumberXXXX have 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
Consumer complaint received 2017-07-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (SC)

I have reached out to this company to send validation and verification of charges in my credit report. I received a bill from a company with a different. I have been sued by XXXX XXXX and only paid as I feared what further damage this company would do to my credit. I feel this was done as a retaliation as I have began to take a closer look at my credit report and dispute inaccurate items. I do n't have a contract or any type of agreement with this company. This company has reached out to my parents and disclosed my personal information as well as mailed letters to their address. I have never given them any information for my parents. I fear that because if this complaint they will try to sue me again. I am in fear they may send something to my job which could cause impact on my career.
Consumer complaint received 2022-05-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Data Systems (TX)

I have no clue of the date of alleged transaction. I have no clue of the services rendered, because I've never physically been to the alleged establishment, to look over, sign, or agree to any services. I have not gotten documentation, explaining the alleged charges. A red flag, to me, just looking at the amount, which is flat ridiculous. How do expect an individual to pay for something that there are not even aware of. I don't know how, anyone can total up those kind of charges at an XXXX  clinic. There is no way, I would agree to any type services like that knowingly. To add insult to injury, I don't get contacted at all, to at least give a FAIR chance to address.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried contacting each credit bureau to dispute these inquiries that are identity thief. 

XXXX XXXX ( Bank ) XX/XX/20XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/202XXXX XXXX ( Bank XXXX XXXX XXXX XXXX Finance ) XXXX XXXX ( Finance ) XXXX XXXX XXXX Bank ) XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/202XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 I have attached my identity report
Consumer complaint received 2019-08-01
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. (GA)

The following accounts were on my credit report as Charge off with balance : XXXX XXXX - XXXX, the payment history of late payments are completely inaccurate, and lacking. Date of last activity is not correct. Please remove this account from my credit report
Consumer complaint received 2024-04-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MoneyLion Inc. (GA)

Dear Sir/Madam, I am writing to formally dispute the collection account listed on my consumer report by your agency. Upon reviewing the pertinent consumer protection laws, I have identified multiple violations of my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations. Firstly, under 12 CFR 1006.34 ( b ) ( 5 ), your agency is obligated to provide validation information regarding the debt in question. However, despite my requests, no such information has been provided, yet you have proceeded to report the collection on my consumer report. This is a clear violation of my rights as outlined in the aforementioned regulation. Secondly, I have not been afforded the opportunity to dispute the account, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). It is imperative that consumers are given the chance to challenge the validity of a debt before it is reported to consumer reporting agencies, yet this fundamental right has been denied to me. Furthermore, it has come to my attention that your agency has engaged in deceptive practices, including false, misleading, and misrepresented information. Such actions are in direct violation of consumer protection laws and undermine the integrity of the debt collection process. Lastly, your agency has furnished this account to consumer reporting agencies without providing the necessary disclosures required by law. This egregious disregard for legal obligations is unacceptable and further demonstrates your agency 's disregard for consumer rights. In light of these violations, I demand that you cease all collection activities related to this account and immediately remove it from my consumer report. Failure to comply will result in further action being taken, including but not limited to filing complaints with the appropriate regulatory authorities and pursuing legal recourse. I expect a prompt response to this dispute and a resolution to this matter within [ insert timeframe, e.g., 30 days ] days of receipt of this letter. Please provide confirmation of the actions taken to address these concerns. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-05
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: Byrider Franchising, LLC (AR)

Filed dispute with XXXX XX/XX/2024, XX/XX/2024 and Again XX/XX/2024. I sent in documentation of bank check, letter from agency ( CNACXXXX ), and letter of acceptance of payoff from agency ( CNACXXXX ). All came back stating that I still owe that amount. It has been removed from XXXX, and XXXX but not XXXX.
Consumer complaint received 2022-12-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I tried to apply for credit card I keep getting denied credit due they don't have any information correct identity my personal information why is these companies having my personal information incorrect or reporting me deceased illegally to deny me credit I need a full disclosure report Data back XXXX until XXXX I am not deceased I need to know who reported me deceased to uptain credit or using my name to apply for credit I have to right to know who reported me deceased
Consumer complaint received 2017-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NY)

Over the past year, I have been charged an excessive amount of overdraft fees. When I called to complain, the bank stated that if changed its internal system to process the account and show availability funds only at the time when the transaction is settled. Formerly, the bank used to process payments at the time of authorization, which would seem more appropriate given our real-time processing environment today. For example, I showed an available balance at XXXX for {$220.00} this morning. I checked my balance at XXXX and now have a balance of {$20.00}, as I was charged a {$100.00} in overdraft fees.
Consumer complaint received 2022-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

My name is XXXX XXXX and my XXXX Credit card account from XXXX back has been charging me a late fee of XXXX a month and {$15.00} a month on my account when I paid the minimum every month no more then 7 to 14 days late on credit card account # XXXX XXXX XXXX XXXX. 

For the last 2 years I have as diagnosed with XXXX, I had an XXXX  on my XXXX XXXX XXXX XXXX XXXX XXXX. I also am along hauler from diagnosed XXXX XXXX. 

I asked them to help now that I went back to work and make {$65000.00} a year as a government investigator with XXXX. 

They refused.
Consumer complaint received 2022-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

I hold a checking account at truist Bank. And I was not receiving my monthly statement as normal. I went to withdraw money from the ATM and noticed a significant error on my account over {$5000.00} was missing from my account the very next day I went into the branch the moment opened and requested a statement that's when I discovered multiple another ice cream directions on my account which I did not authorize nor know about. Totaling in the value of {$5100.00}. Over 3 months worth of operations actions with multiple transactions in small amounts in the one day. The bank did not notify me nor did they put a freeze on my account no one tried to stop this from happening so I reported it to the bank fraud department and in lieu of the recitation they gave me a provisional credit of {$1900.00} not the entire {$5100.00}. Now the bank is telling me that in order for me to uncover the rest of my money I would have to file a police report. However I know for a fact that is in violation of Regulation E.
Consumer complaint received 2017-07-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

XXXX Originally Mom and I Refinanced with XXXX XXXX. They were then purchased by Wachovia and Subsidiary. Finally Wells Fargo Bank N.A. Mom passed the properties are are in probate. I got sick ( XXXX ) got behind. 1 ) property XXXX XXXX XXXX XXXX XXXX my boys and I live there. 2 ) XXXX XXXX XXXX a XXXX I rent out for income. Wells is foreclosing on both but they are not the mortgage services and have no papers - I have tried suing them for wrongful foreclosure. I am trying to get reverse mortgage and its in process and I can pay them off. I had been in bankruptcy they had the auto stay removed to foreclose but there are others on the property. In fact both. I was in Federal Court Case that Wells moved from XXXX XXXX to XXXX XXXX without notice. Case # XXXX NC and XXXX XXXX XXXX XXXX. I really need help being sick - got XXXX young boys, I got both property 's in Probate there is a current bankruptcy going on XXXX XXXX XXXX has interest in both properties BK # XXXX and adversary case XXXX. We need help. What can you do for us.? XXXX XXXX XXXX
Consumer complaint received 2022-05-29
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 actXXXX XXXX XXXX account # 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.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 2022-05-29
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 XXXX XXXX account # 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.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.