davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (DC)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and here on the website here. This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now. 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. I am doing this on my own behalf and really need someone to help me with this.
Consumer complaint received 2024-03-01
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Eagle Financial Services, Inc. (KY)

I am on fixed income, and not able to work. I have all bills to pay out of my Social Security, and retirement. I contacted XXXX XXXX XXXX, and I turned XXXX XXXX XXXX in, and all my credit cards and two loan companies. I talked with the Eagle Finance and told them what I was doing, so in the month of XXXX they stopped the payment. The manager then called me and told me they did not deal with XXXX XXXX XXXX. I called my bank and begged them to stop the payment. The Eagle Finance in XXXX, Kentucky took XXXX 's payment out this month and now is taking out XXXX 's. My rent check will come back on me now that this has happened. I bank With XXXX XXXX XXXX XXXX XXXX XXXX, and they will not help me with this situation. They will not stop the pending payment that the finance company it taking out for the second time this month. This is really causing me some financial problems. I have a very sick daughter that I am responsible for, and she can not get XXXX. I called the finance company this morning ask them to stop the payment and they refuse. They said the manager would call me back when he came in at XXXX XXXX. He never called them, so the XXXX XXXX XXXX told me to contact FTC, and FTC sent me to you guys. My phone number is XXXX.
Consumer complaint received 2018-08-12
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. (NJ)

security systems legally had to remove from my credit and they did, then they illegally put it back on my credit. its not mines then XXXX XXXX reported me and its not mines. they don't respond to me. these accounts are not mines XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2000.00} Closed XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX + {$0.00} Closed inquiries not mines XXXX Inquiry : XXXX. XXXX, XXXX + Telephone Companies XXXX Inquiry : XXXX. XXXX, XXXX + General Clothing Stores XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry :  XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + National Credit Card Cos. 
( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Utilities Contact the inquirer : MAIL ONLY XXXX Inquiry :  XXXX XXXX, XXXX + Miscellaneous Utilities Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XXXX XXXX, XXXX + National Credit Card Cos. 
Contact the inquirer : MAIL ONLY XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance ( XXXX ) XXXX XXXX XXXX   XXXX Inquiry : XXXX XXXX, XXXX + Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX + Finance ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

NOTICE OF LAW SUIT your company has been notified of unlawful credit reporting failure to remove all negative accounts will result in a {$100000.00} Law suit. 
LATE WARNING!!! 

Affidavit of immediate credit correction The following points of Reference and consideration Exclusively for all updated credit information Update all credit accounts according to 611 of the fair dept collection practice act The attached statement shows and concludes that all 3 credit bureau 's Are not accurately reporting information on the attached credit profile Update information accordingly to reflect Accurate information for all 3 credit companies inconjunction.

Point of action update credit report According to section 1681 of the fair declaration practice act permissible purpose law The attached credit profile and credit owner has notify all Noted creditors To cease reporting and has opted out of credit reporting For the attached mentioned accounts therefore all credit agencies must remove those accounts from reporting on the consumer credit report Failure to do so will lead to lawsuit and will be used as evidence in court.

This is a official notice to ceased Credit reporting On the attached and mentioned accounts This is a official statement of reporting opt out according to permissible purpose law in the fair debt collection practice at.

Point of reference Several credit accounts have been compromised due to fraud and unauthorized charges creditors and agencies have been notify to continue too report Fraudulent information is illegal and could also lead to a lawsuit see attached FTC Affidavit and Police report for more information. 
remove all late payment.
Consumer complaint received 2022-03-09
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (NM)

My card was used for a {$480.00} XXXX flight. I did not make this transaction. Capital OneXXXX is not issuing me a refund because merchant says it was non refundable but I did not make that charge. It is a fraudulent charge and i want my credit of {$480.00} now.
Consumer complaint received 2022-07-08
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. (MO)

After attempting multiple attempts to resolve these law violations the creditors and bureaus are liable for i am reaching out to cfpb to deal with this horrible mess. 

according to 15 us code 1681 eb- its the consumer reporting agencies job to ensure maximum possible accuracy when deal with a consumers information. Because they didnt this was and still is an obvious violation and fcra law states any inaccurate information found and disputed if correct should be removed from report, each bureau has failed to acknowledge my dispute letters. I demand these accounts to be removed off my credit report asap. so many inaccursies its not even funny from dates opened to the remarks which also is a violation because the consumer agencies arent holding the creditors liable for reporting false and inaccurate information, they are all responisble for these issues causing me a great deal of distress. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (ME)

On XX/XX/2018 I uploaded to Experian online dispute website, a dispute to remove incorrect names listed on my credit report, stating that unverifiable names needed to be deleted, because they were no longer verifiable. The dispute came back with basically nothing done, incorrect address were not removed. 

On XX/XX/2018 I again uploaded to Experian online dispute to correct names, this time I send a notarized copy of my drivers lenience & Social Security Card. The dispute came back, including a credit report, with NO NAMES listed. 

I went on line to Experians dispute website and found, what they did was keep all the names, all they did, was flagged each name to NOT printout it my credit report. The links to the incorrect names still remained. 

The names and links from the incorrect names were NOT deleted as required by law.
Consumer complaint received 2018-08-12
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. (GA)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 




XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX 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 Inquiry from XX/XX/XXXX + Oil Companies XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Personal Loans Cos. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-06
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. (OK)

I have submitted several disputes regarding the below inquires. I have reported to XXXX, XXXX and Transunion that I have no knowledge of these inquires and need them removed ASAP but this hasn't been done. I have also mailed several letters and have reported to the Oklahoma Attorney General office that these need removed. I have no idea why these hard inquires on my credit report! I need these removed ASAP per the law. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX FOR XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: On Q Financial (SC)

XXXX County taxes were paid through escrow on of XXXX which was overpaid by nearly XXXX XX/XX/XXXX sent actual tax forms from county to mortgage company for them to fix amount XXXX new escrow statement with mortgage increasing by over XXXX a month. 
XX/XX/XXXX sent tax forms again to mortgage company and opened another case over the phone to fix account XX/XX/XXXX called mortgage company and was informed we would get an answer by XX/XX/XXXX XX/XX/XXXX - escrow and mortgage still not corrected and no date as to when this will be corrected.
Consumer complaint received 2020-07-31
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. (NJ)

My credit score dropped 137 points and TransUnion could not give me a straight answer as to why. My score dropped XX/XX/2020. Last week into the beginning of this week ( today is XX/XX/XXXX ), I was communicating with them through email. I kept going back and forth with them because they could not tell me specifically why my score went down. I am on time with my payments and have had old collections removed. Everything that would've dropped my score had been previously reflected. I did not remove any accounts that built my credit history. I have not applied for any new lines of credit or taken out any new loans. There is nothing new on my report so I don't know what action to take. My score just dropped for no reason. My score also shows a drop with XXXX as well, however I have not yet reached out to them so for now my complaint is with TransUnion.
Consumer complaint received 2021-05-10
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: WELLS FARGO & COMPANY (IN)

XX/XX/2020 XX/XX/2020 I have tried informing the companies and credit bureaus of the account inaccuracies of them not being my responsibility and not my account, and have had to deal with harassing phone calls all day long and my wife has been too. Along with threatening voicemails of going to jail if not paid immediately. I believe they have not done the due diligence during investigation to delete these accounts off my credit report to reflect that. I have brought this to their attention numerous times within the past 6 months and it has caused my score to go from XXXX in the last 10 months
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hello Consumer Financial Protection Bureau, In XX/XX/XXXX, I received a mail offer from XXXX  XXXX saying I was prequalified for a credit card. I submitted my information through an online portal and was approved for a credit limit of {$400.00}. 

In XXXX I used the card to make one purchase for around ~ {$110.00} and when I went in to pay my bill, I noticed that there was an extra charge added. After calling the company, I was informed that it was a yearly fee for the card. I think it was around {$50.00} or so. 

I am very aware of these kinds of fees because I also opened up a XXXX and XXXX XXXX card around the same time. 

After much deliberation and escalation, I paid off the one purchase I made and closed the card because : XXXX ) I was not aware of the yearly fee XXXX ) It was not mentioned in the flyer or the online application process. 

The tier 2/3 customer support representative said the yearly fees would be waived and at that point, I thought this situation would be over. 

After 1-2 Weeks XXXX XXXX called me up to 10 times per day for nearly 2-3 weeks. When I asked what was going on, they said the yearly fee had not been waived and they also added on multiple charges/late fees. 

Please note that at this time, the account was supposed to have been closed but the customer support agent insisted that I have to pay. 

Somewhere between 50-60 ignored calls later for which they harassed me up to 10 times throughout the day ( even after I had told them that the situation, the next day a new agent would call me ) Finally, I got fed up on a phone call with them and went through the whole cycle again. 

Same story : late fees, services fees, and extra charges. However this time I told them if they didn't stop calling me I would sue them for harassment. 

They stopped the calls, but are now reporting the debt to credit reporting agencies and as of today ( XX/XX/XXXX ) the charges have gone up to {$68.00} and delinquent. 

At this point, I googled what to do and found your agency. I would like to bring up XXXX points of contention with XXXX XXXX XXXX ) Mismarketing their offer in their flyers/application process and deliberately withholding that there is a yearly fee associated with their credit card. 
XXXX ) Harassment by calling me nearly 10 times per day over 2-3 weeks, even after having a discussion and being aware of the situation. 
XXXX ) Adding random late fees and charges to my closed account with them and reporting the balance as delinquent to credit reporting agencies. 

I am XXXX years old and have been good at paying back my debts over the years. Student loans, other cards, car loans, utilities, etc. However, this reporting is now affecting my credit score and is frankly not fair. 

If you could please help me resolve this, I would like to put it behind me and move on with my life having learned a lesson.
Consumer complaint received 2022-02-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: National Account Systems of Omaha, LLC (NE)

First off, I have been dealing with XXXX for a while now. They unlawfully received a list of medical procedures and tests that I had done from XXXX XXXX XXXX and filed that within the court system, making those public records. They then tried to garnish money from my bank account. My bank account has my husband 's VA money and my student loan funds in it. Of course, there wasn't any money in the account due to us living paycheck to paycheck and paying our bills. The attorney actually accused me of moving money when I went to court on XX/XX/2022. Next, I call XXXX who is the XXXX of operations at XXXX and leave him a voicemail stating that I am willing to make payment arrangements. A few days later, instead of a call back, I get another garnishment from one of my places of employment. I do not even make {$500.00} in a paycheck and they are trying to garnish my wages. I have read many complaints against this company that state that they do not allow people to make payment arrangements and when they do, you need to keep track of your payments because they will say they never received them. I have never felt so humiliated by a company before. They have probably spent more in attorney 's fees than what I owe. They never call me back. They never mail me anything when I asked for items in writing. They never even sent me information before they started court proceedings that I owed anything.
Consumer complaint received 2018-10-18
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 and XXXX XXXX XXXX XXXX are currently double reporting on my credit file. Also, this should NOT be reporting as a charge off. This is in clear VIOLATION of the FCRA.
Consumer complaint received 2023-03-21
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: Experian Information Solutions Inc. (SC)

On XX/XX/23 a hard inquiry appeared on my Experian credit report in the name of XXXX. I called Experian. They bounced me from agent to agent and then finally told me to call the phone number associated with XXXX  showing on my credit report. I called the number and the system demanded my account number or social security number just to speak with someone. There was no option to report fraud or any option to speak with a human w/o entering my social security number. I finally got through to an agent who simply told me I had no account and that I needed to contact Experian to have the hard inquiry removed. Below is the contact information that appeared on my credit report. 
Contact info Address XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX