davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I XXXX XXXX I do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Equifax to have inaccurate items removed from my credit report as well as some unknown things. My XXXX dispute I mailed in was on the XXXX of XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Equifax at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of XXXX you all are causing me. I've been in hospital twice XXXX over this. It's not fair and federal laws are being broken at this pointI.
Consumer complaint received 2021-09-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

For over a year I have been reaching out to all 3 credit bureaus to remove items on my credit report that were a cause of fraud. I have requested validation and verification in the form of originally signed contracts etc. Each company has failed to help me and instead placed a lock on my credit profile but refuses to investigate the items in question or remove them from my credit report despite providing them with paperwork supporting my claim that my information was stolen and used without my permission. I am formally requesting these items be removed so that i can finally move on with my life.
Consumer complaint received 2022-01-18
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. (IL)

I have contacted XXXX Experian and XXXX XXXX to reset my credit to XXXX because they allowed someone to use my information and they ran my credit in the dirt and the Credit bureau and government promised to fix it and reset it but doing nothing my life is very difficult cant file taxes cant apply for employment nothing or get anything because my credit is poor because of the credit bureaus XXXX and im very upset and is in a hard place me and my family this is not right my credit is going no where
Consumer complaint received 2022-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have contacted XXXX XXXX and Trans Union to reset my credit to XXXX because they allowed someone to use my information and they ran my credit in the dirt and the Credit bureau and government promised to fix it and reset it but doing nothing my life is very difficult cant file taxes cant apply for employment nothing or get anything because my credit is poor because of the credit bureaus XXXX and im very upset and is in a XXXX XXXX me and my family this is not right my credit is going no where
Consumer complaint received 2021-09-25
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: Collectibles Management Resources (CA)

The monthly payment, terms, credit limit, past due, and date of last payment are not reported. Your agency continues to report this account inaccurately. Your agency failed to provide complete and only correct information.
Consumer complaint received 2022-01-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (WI)

I was alerted to a low balance on my direct express card on XXXX XXXX at around XXXX I immediately checked my transactions online and noticed my account had unauthorized transactions. I called and reported it immediately and had the card shut off and claims put in for the transactions. I was told to wait for a questionnaire to fill out that needed to be back by XXXX XXXX and XXXX according to each claim. The questionnaire never arrived I called in on the morning of the XXXX and was told to type a statement and include my police report of the theft with it. I did that and faxed it to them. I called back in 8 hours later to make sure they received the fax and was told my claims had been denied. These were unauthorized claims and my money was stolen and they were reported immediately to them and they are refusing to give me my money back. I still haven't even received my new card in the mail. They tell me to call the vendors of the transactions which I've tried and someone them you can't even speak to anyone specifically XXXX which is the biggest ones.
Consumer complaint received 2022-01-18
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)

Recently ( XX/XX/2021 ) I applied for a home mortgage loan with XXXX Mortgage. In the process I was informed that I have a collection balance of amount {$87.00} reported on my credit. Firstly I am not sure where it came from and for the past three months I was working with my mortgage officer to figure out what it is and how to resolve it. I tried to contact the collections company several times but no luck. I sent them mails twice ( on XX/XX/XXXX - First class mail and on XX/XX/XXXX- XXXX mail the second time ). There is no response yet. I feel that I have been patient enough in waiting for a response after multiple attempts. I am helpless now and not sure what to do. My credit score is down for no reason and I am in a situation to pay more monthly mortgage which is totally unfair. From what I have researched so far, to the best of my knowledge I think this is a UDAAP violation.
Consumer complaint received 2022-12-05
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. (AR)

I have submitted request after request for my credit report inaccuracies to be removed almost a half dozen of times. The response that is being received is either not making sense or requesting verification on my credit profile in which this has already been included with the disputes. I tried to called Experian and kept getting an automated recording after entering my social security number, their company was the first to respond on my disputes not correcting anything requested and then put a credit fraud alert on my account blocking credit applications from being processed when the fraud complaint was on the credit bureaus for reporting inaccurate information that has been asked to be removed. Experian request you to upload a black and white copy of your drivers license and the Fraud Alert Form to be in black and white, but they issue the application in color. XXXX XXXX is continuing to kill trees sending the same letter requesting me to verify an account that " they say '' can be set up online. 

All of my rights has been violated under the follow 15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my permission.

I could go on and on, however we all know the laws regarding consumer fair credit, but yet and still there seems to be nothing done regarding all of these inaccuracies that are being reported regarding these issues from consumers.
Consumer complaint received 2021-09-25
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. (FL)

In 2017, I was a victim of the XXXX data breach and my personal information was stolen. The thieves used my information to open credit cards, checking accounts, auto loans, personal loans, even get a job with my information which left me completely distraught and my credit score in complete disrepair. I contacted Experian several times to remove these fraudulent accounts that were reported on my credit bureau file and they neglected me to no avail. Experian stated in their last response to me, contact the creditor 's directly, which I had already did prior to reaching out the Experian and was awaiting a response from the creditor. This specific complaint is about a XXXX credit card account that shows a charged-off status with a recent {$1300.00} written-off balance that was fraudulently opened. Please see the attached letter from XXXX where they confirm that the account was opened fraudulently, I highlighted the most important sections for easier understanding.
Consumer complaint received 2019-05-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

Ive have worked hard to obtain a credit score at or close to 800, and I finally got it there in XX/XX/2019, as of the XXXX ... then all of the sudden it dropped over 40 points. Ive applied for no new credit, Ive paid down all but one account, and have never been late with any payments. I checked all three credit bureaus reports and don't see anything negative anywhere that would cause such a huge drop. I have written complaints to the bureaus but truly don't expect a reply that directly helps me understand what has happened all of the sudden. Could someone please tell me what has taken place to cause my score to drop over two weeks so drastically?
Consumer complaint received 2022-01-18
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)

I received a notice from XXXX who I bank with about an update to my credit score today and was shown my score XX/XX/2022 was XXXX. I received an email from XXXX homes regarding an inquiry I made online regarding a possible home purchase. I authorized XXXX to make a soft inquiry of my credit XX/XX/2022 @ XXXX and was denied stating the report from Experian provided stated my credit score was XXXX. How can the same company 's report provide one company such varying scores on the same day which I might mention was a banking Holiday which would indicate to me that no transactions were added to my report today to cause such a difference in the 2 scores. Needless to say I feel Experian may be in the practice of XXXX discrimination because the the company providing home loans received a score that was significantly lower then the score provided to my bank ON THE SAME DAY by THE SAME COMANY.
Consumer complaint received 2022-10-06
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: ALLY FINANCIAL INC. (MI)

In accordance with the Fair Credit Reporting and XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-09-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

Someone broke into my house stole my XXXX my wifes belongings and other valuables. The thief also XXXX himself {$500.00} twice and the bank is refusing to reimburse my money if tho it was clearly fraud.
Consumer complaint received 2022-01-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to TransUnion to have inaccurate items removed from my credit report as well as some unknown things. My XXXX dispute I mailed on the XXXX day of XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Transunion at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this pointI.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge 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: TD BANK US HOLDING COMPANY (NJ)

To the CFPB : This is not a duplicate complaint. If you falsely mark my complaint as a duplicate one more time, I will file a complaint against your agency with the Office of Inspector General ( OIG ) and the Counsel of Inspectors General on Integrity and efficiency ( CIGIE ) TD Card Services never credited my account for the disputed transaction of XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents. They claimed I authorized the charge, however I had provided them with documentation from my other bank that proves the merchant charged me twice for the same transaction. If TD does not credit the funds back to the account, I will be closing my credit card account with TD after XXXX years, after being a loyal customer of TDs for XXXX years now, and I will not pay the XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents upon doing so
Consumer complaint received 2021-09-25
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. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX  ), ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), ( XXXX XXXX ), I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2021-07-24
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. (VA)

I have made several phone calls to dispute inaccurate information regarding accounts, This company refuses to correct or verity information while yet still reporting false information for over five years. I have disputed these accounts on line as well with no prevail. This company continues to report misleading information inaccurate information and refuses to update accurate and current information. 17 of my accounts should have XXXX  balances and reported current or removed from my report. This company does not verify the validity of information before reporting it. This company is reporting false information about student loans and credit cards which is inaccurate causing my credit score to plummet. This has been a continuous pattern for over 5 years.
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (MD)

I used my Navy Federal credit card while traveling out of the country at the airport in XXXX on XX/XX/XXXX and returned on XX/XX/XXXX. Upon my return I found the following charges on my credit card. 
XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX. XX/XX/XXXX XXXX, XXXX XX/XX/XXXX. XXXX I proceeded to call Navy Federal Credit Union to file a fraud claim about the charges on my account and I was told to destroy the card and another card was sent to me. I waited a few months and called back in XXXX since the charges were still showing on my account. I was then told by the representative that the first agent I spoke to on the phone forgot/failed to file a claim in XXXX. She proceeded to file a claim and then told me that the charges would be removed including the interest and late payment charges. 
The charges were removed only to later show up with a letter stating that they have evidence that it might have been me. I asked for the evidence and they refused to provide it to me. I then sent a PDF of my itinerary showing that I was out of the country and also provided an incident report from the police department in my city. They later denied the review stating that they were authorized over the phone but refused to provide the phone number used for the phone authorization. 
I asked for a new investigation since they failed to file a claim and follow up on the fraudulent charges for months but they told me I have to go to court and get a subpoena to get report from each merchant involved in this case. I am absolutely devastated as this charges are currently affecting my credit score thereby affecting my business and finances. 
I would appreciate your assistance in resolving this matter. 

XXXX XXXX.
Consumer complaint received 2022-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (VA)

Let me tell you something ... ... 26 USC 761 contains an exemption to not be treated as a partnership for tax purposes if it is availed of for certain reasons. The privacy policy of these financial institutions sounds like one of those reasons.

The IRS regulations basically contain two ways of messing such an exemption - one being that each partner makes an election on a partnership return form. The other way is if, in lieu of making the election on a partnership return, the evidence and circumstances indicate that each partner wanted to elect. Hence these XXXX privacy policies and privacy notice. 

But notice one thing, they give you credit based on ( you guessed it ) your information. You provide them with information and they either deny or provide credit based on that information. And really, they don't give you credit, they just inform you some digits, which is information, which goes back to my earlier complaint about how it's all a1031 exchange of like property ( information exchanged for information ) under 26 usc 1031. 

It's all XXXX. Every bit of it. Now I want to arbitrate but I get denied at every turn so I'm not giving a XXXX. I'm putting all of this XXXX out there. XXXX XXXX XXXX XXXX XXXX XXXX, my lights and water are scheduled to get cut off, and I have an eviction notice. And for what? XXXX this XXXX.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC. (SC)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX SC XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Exeter Finance ), has violated several of my rights. 
16 U.S.C 1681 section 802 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumor reporting agoney can not furnish an account without my written Instructions.

16 U.S.C 16868 : A creditor may not treat a payment on a credit card account under an oper-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2020-02-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : BK OF AMER XX/XX/XXXX XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.