davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: U.S. BANCORP (WA)

My bank 's website has an option to apply for a " basic loan '' as they call it. I applied for it, and the denial said that I did not have enough automated deposits recently on my checking account. Is that legal to require deposits to be automatic? That seems weird to me if my deposits are regular but actually use a branch in person rather than automatically. So that if someone deposits a paper check instead of ACH then they don't get a basic loan, I guess. I know I have other problems with my credit, but this reason seemed unfair to me.
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2020, XX/XX/XXXX closed down all 5 accounts I have with them without notification. I received a letter from them with the reason of closing down the accounts. The reason is high risk of failure to pay with no credit agency reported as part of the decision. All accounts with XX/XX/XXXX were in good standing and never late paid. XXXX XXXX limit XXXX with Balance of XXXX, XX/XX/XXXX limit of XXXX with balance of XXXX, XX/XX/XXXXlimit XXXX with balance of XXXX, XXXX limit XXXX with balance of XXXX, XXXX limit XXXX with balance of XXXX. All said account are been paid accordingly. When these accounts were closed, it hurt my credit by -38 points. I tried to get a clarification from the grantor but none was ready to give me a good reason for closure of these accounts.
Consumer complaint received 2019-10-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Thaxton Investment Corporation (SC)

I have a installation loan, and payment are due XXXX of each month, I was late more than 10 days, so when I initiated payment, the associates said I need to come in and speak to the branch manager, I rejected because normally I make a payment by phone to using debit card. She then informed me I had to make payment for 2 months, in which I did. A fews days later I had a credit alert by XXXX XXXX, that account was closed and was was reopen. I didnt approve this, the company took it upon themselves to do this with your my knowledge. Normally if you are later you pay the late charges. Is this legal?
Consumer complaint received 2019-04-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (CA)

Today at XXXX I spoke with TSI. On the call I asked them not to record my call ( which I also asked them in writing before the call not to record ). At XXXX I received another call from TSI POST revocation of consent to be contacted. I have told this company SEVERAL times verbally and in writing via USPS Certfieid mail to STOP CALLING ME and to COMMUNICATE BY MAIL ONLY, they don't listen and they break the law under the fair debt collections practices act as well. Further, they did not give a mini mirranda. I have attached all proof including prior CFPB complaints. I want this harassment to stop and I want them to CONTACT MY REPRESENTATIVE TOMORROW XXXX XXXX XXXX XXXX. 
THE LAW OFFICE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
Consumer complaint received 2019-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$24000.00} on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This amount reporting is completely fraudulent. I had ( 2 ) months left on my lease with XXXX XXXX XXXX and they agreed to have me work doing XXXX on the property however, they never followed through with the job and now XXXX XXXX XXXX is saying I owe over {$24000.00} for damages that I allegedly had done when I took it upon myself to weed my yard and put down a couple of pieces of sod. This inaccurate reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. This is a completely unsubstantiated claim. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-08-08
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. (TX)

On XX/XX/2023, unbeknownst to me, I was added as an authorized user to a XXXX XXXX credit account that I did not consent to. As a result, my credit score decreased XXXX points. XXXX XXXX could not find me on any account so I contacted Experian. They contacted someone ( I dont know who ) to dispute and remove me from said account. As of today, XX/XX/2023, I am no longer seeing that account and am under the impression I was successfully removed. However, this resulted in an additional XXXX points removed from my credit score. Authorized users are not responsible for the debt of the cardholder, whether they give consent or not. I am demanding that this affiliation be removed from my credit report, restoring my score to its correct number within 30 days pursuant to the Fair Credit Reporting Act and that a new credit report is sent to me once this has been completed.
Consumer complaint received 2019-10-02
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: EQUIFAX, INC. (ND)

Equifax ; XXXX and XXXX  are reporting incorrectly a collection in the amount of {$24000.00} on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This amount reporting is completely fraudulent. I had ( 2 ) months left on my lease with XXXX XXXX XXXX and they agreed to have me work doing XXXX on the property however, they never followed through with the job and now XXXX XXXX XXXX is saying I owe over {$24000.00} for damages that I allegedly had done when I took it upon myself to weed my yard and put down a couple of pieces of sod. This inaccurate reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. This is a completely unsubstantiated claim. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (IL)

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX # XXXX is reporting a balance on an account and updating that I settled back in 2017. I have and have attached a deletion letter I received stating this account is settled and should be removed. There is no reason for it to still be updating on credit and it needs to be removed.
Consumer complaint received 2019-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (CA)

I opened 2 accounts 1 personal account and 1 shared account with them in XXXX. When I opened the account. I do see a new account bonus which is deposit XXXX each account then keep it by XXXX so I can get XXXX dollar. I deposited XXXX total for both accounts. The total bonus should be XXXX dollar. 
And I called them today to verify the bonus. They said I dont qualify the bonus because I didnt open their saving account. What? It is unfair to me. No one tell me I should open the saving account during opening new account when I call them. I need them to pay my XXXX dollar bonus to honor it.
Consumer complaint received 2018-04-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

I initiated a transfer of USD {$5000.00} on XX/XX/2017 from my Coinbase account to my XXXX XXXX account. The funds were never transferred. I have had at least 4 phone call conversations with Coinbase 's customer service and my issue has not been resolved after 3 & 1/2 months. I have had no progress of getting my money back or showing that Coinbase is even interested in ever giving my money back. No actions have been taken by Coinbase to give me my money back.
Consumer complaint received 2019-10-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (GA)

I contacted Bridgecrest XX/XX/2019 and spoke with XXXX to discuss the inaccurate information on my CBR. I'm currently on a payment plan paying {$290.00} every 2 weeks. I was never advised when I set up the plan, rather by phone speaking to rep ( back XX/XX/2019 ) or via the online portal, that I would continue to report delinquent during the plan. 

I'm currently in the process of purchasing a home and that's when I noticed that I was reporting 3 months past due. However, I have continued to make my agreed upon payments. 

During the conversation with XXXX, I advised that I understood the first delinquency hit as I set up the arrangement after the account was already 31 days delinquent. The days delinquency referenced was provided by XXXX during our conversation as I was unaware how far behind, I may have been. XXXX stated she saw where Bridgecrest tried to contact me prior to the payment arrangement to prevent it from hitting my CBR. She advised that if I SPOKE with someone I would have known. However, I did speak with someone and it was never brought up. 

I asked if there was someone, I could speak to that would help me rectify this. She advised that all disputes would need to go through the credit agencies. 

Several times during the convo XXXX advised that she was reviewing notes and dates incorrectly. I'm sure she is very proficient in her knowledge of how to read account notes, there were times that the information that was shared was " off '' as she stated that she doesn't show when I spoke with someone. It wasn't until I gave her an approximate time frame when she was able to locate. She also was referring to emails and texts that were sent as " phone calls ''. 

XXXX was very patient, and I believe she did all she could do at that time. I would like to be able to have my credit bureau report updated to reflect only 1 month past due and not 3. I failed to note that XXXX did state during the call that Im reflecting " current '' or " caught up '' now. Again, I'm showing past due for XXXX, XXXX and XXXX.
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX # XXXX is reporting lates on mine and my husband 's joint account that I should not have. We had this on auto-pay and never received any statements for it. We changed our address and had a forwarding address so there was no reason for us not to get these. Our mortgage went up and we never received notice or a phone call so we did not know to make higher payments, again this was on auto pay and we did not know the payment changed.
Consumer complaint received 2019-10-02
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. (UT)

XXXX # XXXX is reporting lates on mine and my husband 's joint account that I should not have. We had this on auto-pay and never received any statements for it. We changed our address and had a forwarding address so there was no reason for us not to get these. Our mortgage went up and we never received notice or a phone call so we did not know to make higher payments, again this was on auto pay and we did not know the payment changed.
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX # XXXX is reporting lates on mine and my husband 's joint account that I should not have. We had this on auto-pay and never received any statements for it. We changed our address and had a forwarding address so there was no reason for us not to get these. Our mortgage went up and we never received notice or a phone call so we did not know to make higher payments, again this was on auto pay and we did not know the payment changed.
Consumer complaint received 2019-10-02
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: EQUIFAX, INC. (FL)

Equifax ; XXXX  and XXXX  are reporting incorrectly ( 120 ) days late on the XXXX XXXX account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages 5, 6, 7, and 8 attached  from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.
Consumer complaint received 2019-10-02
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: LEXISNEXIS (GA)

I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.In a pass complaint your company had removed this account, but in a violation of the FCRA You have re-posted without a written notification prior to re-posting this account .Please remove this account permanently from my file to avoid further litigation.
Consumer complaint received 2023-04-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was trying to purchase a home but on my report I noticed there accounts that were deleted off my report due to identity theft are reporting again I want to get rid of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX have Failed to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95- 6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AE)

On XX/XX/2019, I tried to temporarily lift a security freeze on my Experian credit file by using their phone system and website. I have a PIN number issued when I originally placed the security freeze on my file. Experian only answers phone calls with their automated system and it is impossible to speak to a human being. Their website also makes it impossible to contact this company since their Contact Us page only leads to a questions and answer list. Since my credit file is frozen and Experian keeps rejecting my PIN number, and there is no way to contact them, I am not able to lift the credit freeze temporarily or get a copy of my credit file. Unlike XXXX and XXXX, where I was able to lift my credit freeze, Experian keeps rejecting my information, which I think is because their records are inaccurate. Of course, I can't see what information they have for me since they won't allow me to contact them.
Consumer complaint received 2019-10-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Atlantic Credit & Finance, Inc. (MD)

I was forwarded a letter sent to a resident and state I do not live in on the XXXX of XX/XX/2019. The letter was once again to the same court from my other threats from other creditors in XXXX XXXX, NJ in XXXX County. The letter does not indicate who this creditor or lender or who they are. They are threatening to garnish my wages for unidentified amount of the claim debt. I was never notified of any legal actions for the name listed on the letter, I have no outstanding loans or debts from this listed party. I did not know the court could approve such false allegations from the same court system. How am I legally being pursued for a debt I am not aware of in an amount not indicated on the documents you are sending to the wrong address and state.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This account was charged off on the following date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. a charge off account should NOT include an active payment history. This Inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX BANK Account # XXXX
Consumer complaint received 2023-04-07
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. (PA)

Fraudulent accounts and inquiries appearing on credit report. 


1. XXXX {$380.00} XXXX. XXXX XXXX  XXXX {$560.00} XXXX. XXXX XXXX XXXX  {$120.00} XXXX. XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$2000.00} Inquiries XXXXXXXX XXXX XXXX XXXX, 2XXXX XXXX XXXX XXXX