davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have been trying to fix my own credit to make sure I am not being curved my rights that the reporting must be 100 % accurate not by 90 % or even 25 %. However, I have been getting the response " Verified '' when it is clearly not verified if there are numerous inaccuracies on every level. I have been at this since XXXX because they just started reporting the account at the end of XX/XX/XXXX, When I pulled my report with XXXX XXXX  on XX/XX/XXXX the account by the name or XXXX XXXX XXXX was not showing on the report but Experian claims they have had this sitting on their end since XX/XX/XXXX which this is incorrect and inaccurate proving on the Report XX/XX/XXXX. This is reckless to report my information incorrectly for MONTHS!!! I will be adding in proof that they did this to my account and I do not appreciate this either, I was trying to purchase a home and reliable vehicle and could no due to the collections that is reporting. There are also, Inoccrect Dates Opened, I did not open this account on XX/XX/XXXX. The Balance and High Balance are not reporting accurately! The High Balance has to be Higher than the Balance itself and we all know this is the purpose. They are showing a Date of Last Active as XX/XX/XXXX and I had no knowledge of this account until the end of XXXX or early XX/XX/XXXX. This account is showing as joint and that is inaccurate! 


Experian is also showing an Account with XXXX which was removed by The other two bureaus but not with Experian. Experian is still showing late payments on CLOSED accounts and they have been warned of this knowledge and have yet to correct this issue for MONTHS!!!! It is also showing that it is an " Installment '', when the Payment status is showing as Collection and Charge off? Which one is it? The High Credit Limit is lower than the Balance itself which is also incorrect. The date of Last Active doesn't even match the payment history below which is also inaccurate! The date of the last payment is also incorrect. The open date is also inaccurate!! 


I have also asked for an independent investigation because due to XXXX Vs XXXX it is required and they have yet to provide this information. I have been pushed to place in this complaint. Neither company has sent me proof as to what they have and how they have come but I do know they both can not be right if they are showing contradicting information on my report.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX maintenance maliciously placed a {$5200.00} amount on my personal credit report with TransUnion. They have NO supporting documents or any evidence or me owing the debt.
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc. (IN)

In mid XXXX, a little more than XXXX weeks before my payment was due ( and end of a promotional finance period ), I started an online balance transfer process from my XXXX XXXX Bank and XXXX XXXX XXXX  account ( they partner with XXXX XXXX ) to my account at XXXX XXXX XXXX ( they partner with Comenity Capital Bank ) in the amount of {$12000.00} ( that would have paid off my balance ). At the end of XXXX, I contacted XXXX  when I noticed that a XXXX balance transfer I did several days later ( also from XXXX XXXX but to another company ) had been processed before my one with XXXX. At that point they said that payment hadn't been received yet and I kind of forgot about it as I was going on vacation. On XX/XX/XXXX, I received a phone call from XXXX saying that payment hadn't been received. In several phone calls with XXXX XXXX and XXXX, we worked out that the first check ( that had to be mailed, XXXX doesn't accept electronic transfers from XXXX for some ungodly reason ) would be cancelled and a new one issued, and that a promise to pay was made with XXXX  for {$12000.00}. It was established that any deferred interest that accrues could be discussed once payment was received. After verifying the correct mailing address and account info, a check was supposed to be issued soon. For some reason, a check wasn't issued by XXXX until XX/XX/XXXX or XXXX. It was posted to my XXXX account on XX/XX/XXXX. After several phone calls the morning of the XX/XX/XXXX to XXXX, they are refusing to work with me on the deferred interest charges ( of about {$1200.00} ). I have XXXX late payments in my credit history and I believe I have acted in good faith. The checks I wrote for the previous XXXX payments I made to XXXX had no issue being received/processed in the approximately XXXX weeks I get between receiving my statement and payment being due. There is XXXX reason to think it should take more time for a balance transfer between XXXX financial institutions in 2022. 
As a note, I only have billing statements from XXXX. XXXX and XXXX have the recorded phone calls. I have no other paperwork to provide.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX {$9400.00} XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (OH)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-11-07
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account number : N/A You are reporting this collection as an OPEN ACCOUNT, which is not under the FCRA compliance. This is INACCURATE reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

My credit reports states that I have not made a payment on my car lease for over 30 days back in 2017, when in fact my car was traded in for another vehicle and the dealer that took over the vehicle in question did not pay it out on time. Nevertheless, legally I I did not own that vehicle at the time of the payment default.
Consumer complaint received 2024-02-19
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: Experian Information Solutions Inc. (CA)

I want fraudulent account deleted from my credit report immediately. This account along with other accounts have been reported/disputed numerous times and my rights under the FCRA are being violated. I am a victim of identity theft and I have provided all necessary paperwork including id theft reports from required government entities, and I have also provided all necessary identification documents. Delete immediately and provide written proof of deletion as well. I will be filing civil lawsuit against all entities involved including the original creditor, the collection agency who purchased the illegal debt, and all the credit bureaus who publish this illegal debt
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/XXXX, I logged into my Barclays account at https : //cards.barclaycardus.com/. I was able to view my account balance, payment history, and more as I have been able to since opening the card. Please note, the card was closed back in XXXX ; however, this has not prevented me from accessing my account to make payments. 

After reviewing my account, I attempted to change my password as I received updated information from XXXX ( under " Password Settings '' ) that my password has been compromised due to redundant use. Therefore, I attempted to update my password. Eventually, after a few error messages I was able to successfully update my password but I could not access my account after being prompted to log in. I recorded the password both on my XXXX and via my XXXX but I received an error that my credentials were wrong. 

I attempted to use the " Password Reset '' feature but I was asked to provide the XXXX code ; however, I have not had the card for five years or more. The account is closed. 

I called customer service and they advised that since the account was closed, I no longer would have access to the account after six months from the closing of the account but this is not correct. I've logged into my account every month to pay my bill. To add, I've taken a more aggressive approach ; therefore, I make multiple payments each month. I advised that the information about me not having access was incorrect as I just accessed my account, saw that balance was about {$260.00} remaining and I experienced an issue only because of the password reset request. 

Although pleasant, the representative proceeded to attempt to collect a payment from me although I've already paid for this month. I am attempting to purchase a home and I need access to my statements for financing. The representative repeatedly advised that there is no fee to retrieve payment via phone ; however, that was not the goal of the call. 

I feel as though this violates a convenience or ease of payment methods to adequately manage my account. Additionally, this error may have occurred as a deceptive practice to force individuals to pay their account in full. I was about to pay but I was extremely upset with the alleged practice as I'm in finance. 

I've attached the confirmation advising that I have successfully changed my password, and other confirmation emails advising of credit score changes and payment activity in which they all prompt me to log into my account ONLINE to view all activity. This is contradictory to what the representative disclosed. The only document that does not prompt me to log into my online account is the password confirmation email.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Someone ran my credit without my permission and dropped my score XXXX points!! 
XXXX, XXXX, and Experian I'm at a low score of XXXX and less than a month ago was XXXX score. I want to refi my house due to this plandemic and now a war, through no fault of our own! I need to get my points back up.

I can list all the codes those people are violating : 15 USC 1681b.

15 USC 1681c-3, many more I need everything derogatory and negative removed, please...
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (UT)

In accordance with Fair Credit Report act XXXX inquiries accounts from unknown source as violated my right.

15 U.S.C 1681 Section A-States i have right to privacy.

15 U.S.C 1681 Section 2-States also a consumer reporting agency can not furnish a account without a written i
nstruction.

Inquiries not authorized but on my credit report Equifax Credit Report XXXX, XXXX dates are XXXX XXXXtwice on that date,XX/XX/XXXXtwice on that date XX/XX/XXXX date XX/XX/XXXX XXXXtwice on that date againXX/XX/XXXX-XX/XX/XXXX XXXX XXXX  TWICE ON XX/XX/2021 AND AGAIN XXXX, XXXX TWICE ON XXXX XXXX AND AGAIN XXXX XXXX XXXXTWICE ON XXXX XXXX I AM TIRED OF WHOEVER THESE ARE CAUSING INQUIRIES ON MY CREDIT REPORT WITHOUT MY PERMISSION OR WRITTEN INSTRUCTION.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Someone ran my credit without my permission and dropped my score XXXX points!! 
Equifax, XXXX, and XXXX I'm at a low score of XXXX and less than a month ago was XXXX score. I want to refi my house due to this plandemic and now a war, through no fault of our own! I need to get my points back up.

I can list all the codes those people are violating : 15 USC 1681b.

15 USC 1681c-3, many more I need everything derogatory and negative removed, please...
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. This is my fourth letter to your company. I know the FCRA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. 

How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted. 

Please delete these accounts from my credit reports since your company did not properly verify the information and the furnisher could not provide sufficient proof to prove their reporting. 

XXXX XXXX XXXX : Account number : XXXX, Date Last Active and Date Last Reported shows multiple dates ; also, each bureau showing a different High Balance. These are violations and I want this removed from my report. 

Last Active TRANSUNION XX/XX/XXXX XXXX XX/XX/XXXX Last Reported TRANSUNION XX/XX/XXXX XXXX XX/XX/XXXX High Balance TRANSUNION {$37000.00} XXXX {$81000.00} I hope we can resolve this issue without complaints to the Consumer Financial Protection Bureau and other agencies. 

Looking for your help.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (PA)

I was seen by XXXX XXXX XXXX  XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - one visit among many. XXXX XXXX humiliated me and when they send me > {$500.00} in bills, I contested it with my health insurance company. My insurer paid the costs completely for my troubles and for the pain and emotional distress they caused me. Today, XX/XX/XXXX, I was notified that {$180.00} of that bill was sent to collections, with my credit taking a hit and digging up this past trauma over expensive for an experience that has been paid for time and time again.
Consumer complaint received 2022-04-21
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This was not sent in error I am a consumer by law and my information as misused and now I have some false, not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 

TRANSUNION and the account name is DEPTEDXXXX balance account # XXXX 90 days late in XXXX XXXX, 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, 90 days in XXXX XXXX 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.