davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

This is in response to CFPB complaint # XXXX from XXXX XXXX XXXX XXXX a federally protected consumer. This is not a duplicate response, and shall not be treated as such. The response from Experian sounds like an elaborate mechanism and I have reason to believe, and do so believe that it hasn't been taken seriously that you have violated my consumer rights. You stated, " We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. You state that there is incorrect personal information on the report. We store address, employer, phone, spouse, and name information as it is sent to us by your credit grantors or from information contained in public records. One or more sources of information report personal information and they are a part of your credit history. '' This response is neither accurate or fair. I have reason to believe, and do so believe that you have failed to follow proper debt dispute procedures, and that you have not conducted a reasonable investigation of my dispute. I gave you written instructions on what was incorrect on my consumer report and provided you with the correct information that should be on my report, so any other addresses and names you have on my consumer report sounds like you are mixing/merging my file with other consumers files, which is a violation and shows that you are not doing your job with keeping my credit file up to date. You stated, " If you believe an address or name in your credit report is inaccurate, you may want to contact the source of the information directly. '' I have already provided the correct information to the sources of the information on my credit report directly, you are the only entity that refuses to remove inaccurate and outdated information. You stated, " Please contact us by phone if you need additional assistance to determine the specific sources of particular address and name information on your credit report. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX XXXX  XXXX, XXXX, TX XXXX. '' I have written to you, but you have failed in adopting reasonable procedures in a manner to which is fair and equitable to me, the consumer which is why I have made my complaint aware to the CFPB.
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NJ)

I do not have my debit card as I have never used it and my account online does not display the full account number. I called at XXXX XXXX  and someone named XXXX was rude and snickered at me when I asked for help. He told me he does not have to help me, does not have to identify himself and was the rudest most unprofessional customer service agent o have ever encountered in my LIFE. He is obviously going nowhere fast but thats not my problem. He refused to give me information to anyone o could complain to or help me with my account because I cant verify but how can I verify if Ive never used my account debit card and only used online banking with blacked our information? I went my call listened to by a manager or supervisor. I have the end of it recorded and will be releasing it on social media in 2 weeks if I do not hear from someone. I have a XXXX XXXX XXXX XXXX so you had better believe it will get shares, clicks, and lots of visibility.
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On or about XX/XX/2021- Transunion reported a XXXX XXXX XXXX filing on my credit bureau report. I wrote transunion and requested that this be investigated and removed. After over 6 months of going back and forth with Transunion, I contacted the Bankruptcy court who responded by saying that they did not Verify the information that Transunion had stated it had received from the US Bankruptcy Court. To date Transunion is the only bureau that reports this public record on my report and at this time, this has costs me several credit opportunities. No lender will even look at my application because of this error. 

I have supplied Transunion with a copy of my credit reprot demonstrating that TU is the only bureau showing the Bankruptcy Filing and the other bureaus do not show this filing. Secondly, I forwarded a copy of the letter from the bankruptcy court, and I also sent TU a letter of incarceration demonstrating that I was XXXX XXXX  ' at the time of the bankruptcy filing. They still will not remove this record or any of the inquiries and adverse information associated with the bankruptcy filing. I am seeking resolution of this issue by TU removing the XXXX XXXX  Bankruptcy, all accounts referencing a bankruptcy and any inquiry on my credit file in the last 18 months as I was XXXX XXXX during this time and did NOT authorize TU to allow my credit to be pulled.
Consumer complaint received 2022-05-17
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. (IL)

XXXXXXXX XXXX XXXX  # XXXX in accordance with the Fair Credit Reporting act 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 2022-05-14
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. (PA)

In accordance with the Fair Credit Reporting act 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 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 2022-05-17
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. (IL)

XXXX XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act 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 2022-05-17
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. (IL)

XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act 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 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MS)

I have been paying XXXX a month for a service that dont work. I called several times and the employees didnt understand. They would give me a number to call for global services and I ended up back speaking to the sameness people. Very frustrating to explain the problem to 8 different people in one day and still no results. This has happened before so I canceled the service and restarted it and now its doing the same thing. I do y have money to throw away. I am really afraid that my credit isnt being monitored at all. The report does not update nor the alerts. They had the nerves to tel me I have pulled my credit too many times. That I needed to verify my identity by sending in proof. Ive done that and still no results.
Consumer complaint received 2022-12-16
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. (PA)

This is my another endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX  XXXX Balance : {$6100.00} ; XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$750.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX
Consumer complaint received 2022-05-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (CA)

Zelle provides on the desktop version the ability to schedule automatic recurring payments, which I used to pay for a recurring weekly service using the service provider 's phone number. When I no longer needed to process those payments, I decided to " Deactivate Zelle '' ( as stated in the app ) from my XXXX app and the payments stopped. 

When I Iater reactivated Zelle ( weeks later ) to process other payments, the automatic recurring payments initially set up on my account were still active and kicked back up. The resulting situation was a series weekly payments resuming to the original phone number on file. However, the phone number changed ownership in the meantime, and the phone number was no longer owned by the service provider but by someone else. That new person started accepting all pending recurring payments, quickly draining my bank account. What is incomprehensible for me is that, after you " Deactivate Zelle '', your automatic payments schedule stays active and immediately gets restored as you re-activate ZellXXXX at a later time ( and can aggregate through time ). This is an abusive and unsecure feature. 

Consumers are getting ripped from their money as banks like XXXX push the risks on consumers and shady third-parties like Zelle/Early Warning who do little to no efforts to secure transactions. I will share my concerns where possible ( e.g., CFPBXXXX XXXX XXXX  to ensure companies like Zelle/Early Warning can not operate with the level of impunity/disregards to consumer protection rules. 

Date of transactions was XX/XX/2022 for a total of {$500.00} ( from multiple transfers ). 

I contacted XXXX and Zelle on XX/XX/XXXX and XX/XX/XXXX for resolution ( cancelling the automatic transfers that got cashed in ) to no avail.
Consumer complaint received 2022-12-09
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. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-05-17
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. (IL)

XXXXXXXX XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act 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 2023-06-03
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

In 2019 I interviewed a girl named XXXX XXXX for a possible part time roommate for a friend of mine. She preceded to move in with this friend and stole my Identity. At the time my purse, Id, clothes, jewelry, birth certificate, and car went missing. Also credit cards, checks and merchandise adding up to over {$10000.00}. Ive reported to all agencies including a police report, IRS and credit bureaus. So Im finally repeating this last time to you all. I was made aware of this in 2019 when my credit score was abruptly taken down.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Reference # XXXX XXXX  XXXX : XXXX  Equifax contacted me and communicated that this public record was ''Verfied '' under XXXX & the XXXXXXXX XXXX XXXX  XXXX XXXX 

I called XXXX and they told me that the public record has been suppressed from my consumer report. 

I also Called the XXXX XXXX XXXX XXXXXXXX and they told me that they dont provide information to 3RD parties.
Consumer complaint received 2022-05-17
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. (PA)

I have brought it to the attention of Experian that experiences and transactions between the consumer and the person making the report are to be excluded from a consumer report. I would not like my utilization to be furnished on my consumer report, this is my written statement. Experian has ignored my previous request to update my utilization to 0 % and 0 balance for the listed accounts. This is a violation of my consumer rights and is causing me to not have faith in the banking system as this is not fair and equitably to me by sharing my private information without my prior written consent. Please see attachment for details and a screenshot of the specific law for reference.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 setcion 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Creditors Bureau Associates (GA)

I have received collections on my credit report on debts that I have not had a chance to review for payment or disputed the validity of the debt. I have never received any written notice of these debts. There are 4 collections from the same company.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I have tried to remove wrong personal information on my credit file with Experian and it has not been removed. 

15 USC 1681. I did not give anyone written permission to use my personal information on my behalf
Consumer complaint received 2015-12-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NY)

I have come to the conclusion that the credit bureaus are violating my rights under section 1681 and that they have received the following : NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. I had previously sent my XXXX and XXXX rounds to the bureaus with no resolution, and round XXXX on XXXX/XXXX/15 and round XXXX on XX/XX/XXXX. I receive the same response each time saying " verified '', and yet section 609 ( c ) states that I am allowed disclosure of the documentation used to " verify '' the accounts. They refuse to provide the documents as well as their method of verification ; the results they send state that I can request such and then they deny this. The accounts I am disputing do NOT belong to me. In addition, there are multiple addresses on my file that do not belong to me ; therefore, I am positive they belong to someone who has used my information in one way or another. I have attempted to contact each creditor and have not resolved with them either. I am going to have to resort to suing the credit bureaus.
Consumer complaint received 2021-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

Hello, I have a mortgage with LoanDepot.com that began in XXXX of 2021. I am enrolled in ACH automatic payments and I have had a couple months of the payment being properly drawn from my XXXX XXXX checking account and credited to my LoanDepot.com mortgage. On XX/XX/XXXX I was notified that my XXXX payment had been rejected. I checked my XXXX XXXX account and it had been deducted from my checking account and I can see that it was received by Loan Depot on their website. I have called customer service at Loan Depot and spent approximately 12 hours so far on the phone. I have been treated extremely rudely, disconnect over 10 times, not called back, transferred to wrong departments, etc. They seem to have no concern to resolve this issue in an appropriate amount of time as I am now receiving calls from them stating my payment is late and asking if I am experiencing a hardship. Today I was told it would take 30 days to figure out and that they would report me as paying late on XX/XX/XXXX. At this point I just made another payment for XXXX so it doesn't affect my credit but this seems like it should be illegal. They took my money, can't find it, won't credit it to my loan and have caused me to spend 12 hours on the phone so far to get nowhere.
Consumer complaint received 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (CO)

Problems with payments crediting to credit card account, then charged late fees exceeding amount due by XXXX in 5 months '. 
The payments never transfered showing no payments were made ; though every month showing I upped the payment by XXXX to cover last month 's fake late fees. 
Then when they get my card number send debits that if I had not locked my card ..left me without my monthly social security check . 
I've called several times ... I have XXXX long they keep charging me more money every month when I only owed XXXX I'm afraid they will take my car I use to go get medicine n see my doctor. 
Please stop the charges please get damages from fake bank fees '. The card is AVANT credit card to help restore n build credit. 

XXXX! 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Accordance with the Fair Credit Reporting Act XXXX Account : 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 FCU XXXX 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 instructions.
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

Prepaid card of {$200.00} would not work or be activated. 
When I called the number on the back of the card, they assured me that a replacement card would be mailed in 2-4 weeks. 
No card has arrived yet and 2 months have passed.
Consumer complaint received 2016-01-14
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

The caller asked me to verify my Social Security number and address. I told him I would not do so unless I knew what the matter was regarding. The caller said he would not disclose the company/business he was calling from and repeatedly asked me to give him that information. I hung up and searched for the number on XXXX to discover that it was a debt collection agency.