davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

Back in XX/XX/XXXX I reached out to XXXX XXXXl after I noticed a huge drop in my credit score. They had reported a 60 day overdue notice to the credit bureau. I got my new XXXX lease in XX/XX/XXXX. Paid the first payment at the dealer, and awaited my first statement from XXXX XXXX for the next payment, so that I could use that information to set-up my online account and start to make payments. When I left the dealer, no lease account information was given, they said I had to wait for my first XXXX XXXX statement in the mail. A month went by into XXXX and I never received a statement. I called the leasing department of XXXX XXXX in XXXX VA multiple times asking them how I can pay my next bill. No one returned my calls. I finally received the statement in the mail for those last 3 payments for {$1300.00} and paid it immediately upon receipt in XXXX, as you can see from the attached screenshot. In XXXX I reached out to XXXX XXXX to have them investigate what happened and for their credit team to reach out to the credit bureaus to remove this late payment from my report. I called back multiple times and spoke with agents saying there was still no response on the case, no updates. Finally I spoke with someone on XX/XX/XXXX and that agent told me their credit department found their report to the credit agency to be valid, as my payment was late. Which clearly we already knew as I was late paying because I had no way to pay it, without an account number from them. On that date they submitted a new case, case # XXXX to have a one time courtesy removal of this and report to the credit agencies. They said it would take at most 45 days to remove from my credit report. I have called back multiple times since XXXX, and have gotten told there is still no response on my case, every agent says they send an " escalation '' email and I should have a response back in 1-2 business days. After that timeframe, I call back again and get the same response. Every agent also says their internal credit department does not have a phone number for internal employees to call, or for myself to call and ask for an update. This is unfairly stayed on my credit report since XXXX now and I've had enough of the back and forth with no resolution!
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX, TransUnion, and XXXX regarding a XXXX collection account that I wish to dispute. The details of my complaint are as follows : I recently checked my credit report and found that there is a collection account from XXXX on my credit report. However, I believe this collection account is inaccurate and should be removed from my credit report. I have attempted to dispute the account with all three credit bureaus, but have not received any resolution to my satisfaction. 

I believe that this inaccurate reporting is damaging my credit score and hindering my ability to obtain credit and other financial services. I request that the credit bureaus conduct a thorough investigation into this matter and remove the erroneous collection account from my credit report. 

I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure that the credit bureaus are accurately reporting consumer credit information. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-24
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. (SC)

This is not a duplicate this is not a duplicate My name is XXXX XXXX I'm a living breathing human being afforded all of my rights under the fcra and the fax act being a United States citizen this complaint/dispute is against TransUnion. It is in reference to cfpb complaint number XXXX. In the complaint reference to above I was asking TransUnion to remove the XXXX listing on my credit file they're investigation has taken longer than 30 days, and no extension has been applied for. Therefore it is well within my rights to use the Lost granted to me to use in the fcra and demand that the cfpb force TransUnion to delete the XXXX file from my credit report the scra states that the CRA has 30 days to complete the investigation unless applied for 15 days extension which has not happened. That being said the refusal to remove the XXXX file from my credit report will be at blatant and obvious disregard for the fcra 's laws which TransUnion is bound by once more I ask the cfpb to demand that TransUnion remove the XXXX file from my credit report per the fcra the CRA has 30 days to complete his reinvestigation it has extended past that time and I demand that it be removed immediately. The non removal of the account will be a violation of the fcra which will make me eligible for damages and transunion liable for any damages sought after in court
Consumer complaint received 2018-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My credit score will drop inexplicably with no ( published ) reason for the drop. Additionally when my score drops ( seemingly ) because of an increased credit card balance, it does not raise proportionately when the balance is paid off. 

When I call the reporting agency they are unwilling and/or unable to tell me specifically what caused my credit score to drop. Generally they seem unwilling. 

Recently my scored dropped from XXXX in XXXX to XXXX in XXXX with absolutely no change to my credit report or my accounts ( other than I was issued {$15000.00} in credit from XXXX XXXX ).
Consumer complaint received 2018-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Radius Global Solutions LLC (NV)

Radius Global Solutions has reported a delinquent medical from date of service XXXX for XXXX XXXX. Phone number on credit report stated the file was being handled out of another office and provided an XXXX #. I called several XXXX # s after being given direction by each XXXX # previously dialed to no avail. No one was able to assist. My insurance was supposed to cover payment for the {$1600.00} that is being reported but ai can not get anyone at the company to assist. Im applying for a home loan and this is affecting my credit score which is in turn giving me a higher interest rate. I want this collection removed from my report. Ok to speak to my wife XXXX XXXX.
Consumer complaint received 2022-07-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc. (TX)

I got a letter mailed from AmerAssist " claiming '' I owed " The XXXX XXXX XXXX XXXX XXXX' {$100.00}. First, I don't recalled I had ever been to such doctor and checked on line but found there is no doctor office name called " XXXX XXXX XXXX XXXX XXXX  '' at all. 

So, I called to AmerAssist phone number given on the letter as XXXX XXXX. I asked them to give me the doctor office number. They gave me XXXX. I check on line for that number and it turns out to be a XXXX attorney 's number.
Consumer complaint received 2018-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX has been reporting a debt for {$37000.00} to my credit bureaus which was first delinquent by XXXX XXXX XXXX XXXX in XXXX. Transunion is reporting this collection to be removed XX/XX/XXXX which is two months past the 7 year legal reporting time frame according to the Fair Credit Reporting Act. I have disputed this multiple times and every time I get copies of old statements showing delinquency but never once showing the date I was first in default. The other bureaus are showing XX/XX/XXXX the debt comes off my report. I want this corrected.
Consumer complaint received 2022-07-26
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. (SC)

In a accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX bank ss XXXX Department of education XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX department of Ed/XXXX # XXXX XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX
Consumer complaint received 2018-11-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EOS Holdings, Inc. (FL)

We are two XXXX persons and have the time moved in with our son. We do not nor have we ever had XXXX XXXX. When we moved two different location we began to get the same bill however it is not his debt, I have written over and over and over again to XXXX XXXX to get them to proof up this debt and address Etc with no response that was at two different addresses now we have moved into our final home after losing our home to XXXX drywall and we get this letter, I know that our son does have a outstanding account with XXXX XXXX for XXXX and {$99.00} apparently he admits to. I need some assistance in getting this straightened out, Social Security numbers signatures document stating that my XXXX husband owes this amount. A copy of the original debt and original application for quote XXXX XXXX with signature and correct name
Consumer complaint received 2017-11-16
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: LEXISNEXIS (IL)

On XXXX XXXX, 2017, LexisNexis sent me a " resolution '' letter indicating they deleted the bankruptcy record on my file maintained by them. As of this date, LexisNexis has not stopped reporting the item in question to the credit reporting agencies. 

LexisNexis internal XXXX # XXXX LexisNexis Consumer #  XXXX
Consumer complaint received 2017-11-16
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. (NV)

XXXX XXXX XXXX DBA Equifax and XXXX for {$530.00} form XXXX XXXX XXXX on XXXX XXXX2016 reported. I sent the dispute and I still have not received a reply. I have no clue what this charge is about. I 've been trying to resolve this issue for quite some time. 

Please let me as soon as possible
Consumer complaint received 2018-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am filling a complaint today against Bank of America checking account division because of a recent issue I discovered and they won solve it. Neither face to face nor on the phone. Here is my issue : on XX/XX/XXXX I deposited a money order for the amount of {$200.00} that I received from my employer. Yesterday XX/XX/2018 while I was checking my transaction I realized that there is debt in my account for the amount of {$200.00} which I assume that has to do with the money order because in the details say something about an altered check and I have deposited anything else. In my little knowledge of finance, a money order translates to guaranteed funds. Today XX/XX/2018 I decided to go to a physical location to talk to a representative but I waited over an hour and nobody could take care of me they were full and there were only two reps in the branch so I left. In my way home I called Bank of America customer service but they would put me on hold for over 20 mins and at the end hung up on me. The truth is that now I am out of the money and out of the money order and no one in that organization seems to be able to get my money back. Please help.
Consumer complaint received 2018-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

The promotion said I would receive a {$200.00} credit on the XXXX XXXX ticket I was buying and showed the reduction in the price of that ticket. When I did not get the credit and complained to the credit card company they said the credit would be on my first statement. When that did not happen, I called again and they said the credit would be only for a future purchase.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

n accordance with the Fair Credit Reporting act 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 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

n accordance with the Fair Credit Reporting act 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 2018-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (MN)

I found a Bankruptcy reporting on my consumer report with Lexis Nexis, I sent a letter requesting documentation bearing my signature. I received back a letter stating it was verified with no documentation of verification. 

I then sent a second request demanding per FCRA SS 611 ( 15 U.S.C ss 16811 ) description of procedure used to verify and under rule Bankruptcy Rule 9037 in addition to a " personal identification of prmation defines as individuals social security and taxpayer identification numbers, names of minor children, last 4 of SS and dates redacted. Therefore the claim of verified is in violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the dispute information, also in violation of Section 5 ( a ) of federal trade commission act ( 15 USC ss 45 ) which prohibits " unfair '' or deceptive acts or practices. Lexis Nexis replied with disputing on my behalf with XXXX. I am disputing Lexis Nexis in their  reporting of a bankruptcy on their report they hold under my personal information. 

Lexis Nexis can not verify a bankruptcy through a 3rd party, I am entitled to have the name, address and phone number of the PERSON who responded back with verification per FCRA Section 611 ( a ) ( 2 ) this can not be done and therefore it must be removed from my report with Lexis Nexis.
Consumer complaint received 2022-07-26
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. (NC)

I reviewed my consumer report and found several accounts being reported inaccurately. I have disputed these accounts with the reporting agency but have not received a timely response. These alleged accounts have caused great harm to my report. As I result, I have experienced a lot of stress. My stress levels have caused my XXXX XXXX to increase to the point of needing medication. I am challenging the following accounts : 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : N/A 2XXXX XXXX XXXX Account Number : N/A 3. XXXX XXXX XXXX XXXX Account Number : XXXX 4. XXXX XXXX Account Number : N/A 5. XXXX Account Number : XXXX These accounts are in violation of 15 USC 1681e ( b ). They are not reporting with maximum possible accuracy after having been reinvestigated. Thus being used improperly to damage my reputation. USPS tracking : XXXX
Consumer complaint received 2023-03-24
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. (CA)

This process is my follow-up request to fix this account : XXXX XXXX Balance : {$1900.00} The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that the disputed account gets corrected.
Consumer complaint received 2023-03-24
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. (FL)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-24
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. (CA)

This is my Follow-up endeavor to tell you 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 items 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX FB & T/MERCURY XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX TMCC XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ate Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2022-07-26
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. (CA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2019-01-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CO)

XXXX XXXX calls me up to 10 times a day. I have missed one payment and they harass me constantly and leave me voicemails and call me over and over again within 15 minutes of each call morning and night and they leave numerous voicemails despite me telling them I am a student and have no job at the moment and will pay the bill as soon as I can. They wake me up in the mornings from my sleep and when I am trying to go to bed at night. They are causing me great stress and the continuous harassment is not making anything better. Their calls interrupt my studying and Im trying to get my XXXX XXXX XXXX so I can start making money. Continuous calls and voicemails every single hour at every hour of the day is not accomplishing anything. If I answered the phone each time they called I would just be on the phone the entire day. Wouldnt be able to apply for jobs wouldnt be able to study or eat. I would just be the phone all day. Their continuous calls is not putting money into my account to pay the {$40.00} minimum I owe every month. This seems very excessive and it is causing me mental duress.
Consumer complaint received 2018-11-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK (CO)

XXXX XXXX XXXX, attorney for the law firm XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.disregards federal bankruptcy law and  states that a consumers wife 's medical debt due to XXXX is questionable or fraud.