davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX is a home loan servicing company that is reporting inaccurate information to the credit bureaus about my home loan. XXXX reported to XXXX and XXXX that I " pay as agreed and that my loan was transferred to another company '', but it is currently reporting negatively to Experian that I have " XXXX late payments ''.
Consumer complaint received 2019-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (SC)

When I originally opened my Children's Place credit card I added an authorized user for the SOLE purpose for the authorized user to be able to go into the store and make purchases on my behalf without me being there. There was no disclosure online nor when I verified my identity and that I requested an authorized user with a live representative that MY account would report on this person's credit report. I first messaged them online via the secured message center last year in 2018 to request for the authorized user to be removed from my account. I was told someone would contact me... I was never contacted. I called customer service in April/May of this year to make the same request. I was told by the customer service rep that he could not complete my request and that it was sent to his supervisor and they would be in contact with me. I was never contacted. I sent another message on 5/22/2019 explaining this, and also requesting for the authorized user to be removed immediately from my account. I was told to call into customer service. I've made several attempts the past year to have this resolved, no one will assist. The authorized user is just that, an AUTHORIZED USER. His credit & personal information was not used as a factor to issue me credit nor was he a co-borrower on the card.
Consumer complaint received 2021-08-23
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)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-07-05
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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute the information currently associated with my accounts. It appears that there are inaccuracies regarding the status of my accounts, specifically concerning the merging of files and the characterization of my payment history. 
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
Consumer complaint received 2022-07-05
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. (GA)

In accordance with the Fair Credit Reporting act 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 2022-03-21
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. (DE)

Equifax needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX FRC/TBOM Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-10-10
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. (MA)

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. 

XXXXXXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXXXXXX XXXX  : # XXXXXXXX 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 2022-02-12
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. (KY)

I have sent several disputes in the past to have the Public Record of a Bankruptcy ref # XXXX removed from my credit reports due to being inaccurate. I contacted XXXX to dispute the information as well. XXXX removed the information from my consumer report as of XX/XX/2021. TransUnion, XXXX and XXXX have failed to remove the inaccurate information even after multiple disputes and despite the furnisher of the information " XXXX '' deleting the bankruptcy ref # XXXX from my consumer report. The latest letter sent to all three bureaus to exercise my rights under FCRA 611 ( a ) ( XXXX ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information... ect. Neither TransUnion, XXXX, nor XXXX have provided me this information in the 15 day time period allowed and am making this complaint to show abuse, bias, and prejudice by not affording me my rights under the FCRA or deleting the information from my credit report.
Consumer complaint received 2022-07-05
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: EQUIFAX, INC. (CA)

Issue : Unable to access credit report from Equifax to get approved for a mortgage. Called customer service. Multiple agents have told me the same thing. " Please send us a cover-letter requesting your information be updated, along with copies of your social security card and documents pertaining to your residence in XXXX XXXX' XXXX I have provided everything including my D.O.B, address, and phone number. Included as well was a copy of a utility bill. 

As of XX/XX/2022, I, XXXX XXXX XXXX have consistently faxed required documentation to the number provided by Equifax information services. 
I have also mailed documents XX/XX/XXXX and XX/XX/XXXX to Equifax information services in an attempt to " unlock '' my credit report in order to proceed with my mortgage. No matter how many times I call Equifax the situation remains the same and they claim to have either 1. No record of me and I must submit documents 2. My Credit report is Frozen and needs to be unfrozen by submitting documents. And 3. There is a fraud alert on my credit report and must submit documentation for Identity verification. 

It has been 20 days since first submitting documentation to Equifax to verify my Identity. I have received two replies in the mail thanking me for my request, but must submit documentation, which was submitted in the request. 

Equifax is taking my personal private information and " losing '' it as I have submitted the required information countless times via FAX and twice via email. No Agent has been able to help me, and no agent will provide me any contact information for thos responsible for receiving my sensitive documents.
Consumer complaint received 2021-04-14
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. (NJ)

Last month I called to report inquiries on my credit report that weren't made by me, I was told by a Transunion rep they cant dispute inquiries online or over phone that I had to dispute them with the credit companies, so I did that each one told me I had to contact the credit agencies and dispute them with them. So I tried speaking to Transunion again and they told me I couldn't dispute them.
Consumer complaint received 2020-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have been sending dispute letters asking for these egregious accounts from XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX to be removed from my report as they have not provide the original credit agreement or original contract I supposedly signed for these supposed debts.
Consumer complaint received 2021-08-23
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. (TX)

I submitted 3 seperate disputes showing inaccurate information reporting to the three Bureau. This is a direct violation and I have even showed the proof of the actual violation. The company came back and said UPDATED and or VERIFIED. No information was changed and why would you state verified if I'm showing you the inaccuracy on the report. This information is causing me pain and suffering for there willingness to not do the right thing. Please delete the account IMMEDIATELY.
Consumer complaint received 2021-08-23
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. (CA)

I have sent and submitted request for verification of a bankruptcy on my credit report several times through mail and online and all 3 credit bureaus refused to send any verification or proof that explicitly shows this belongs to this XXXX XXXX that shows the contract or my signature. They also respond with, it has been verified with nothing to proof or that shows verification of belonging to me. I have my right under section 609 to view and review any documents that show and proof that belongs to me.
Consumer complaint received 2022-02-12
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. (MI)

I sent letters to the TransUnion Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$11000.00} open XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2015-04-27
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (CO)

Experian has held me hostage as I was asked by detectives to freeze my accounts and case XXXX. CO. XXXX case # XXXX. That Experian gave away all my personnel info to a fraudulent application and it was wrong name but write social.Birthday was wrong address right but " NO '' signature, " NO '' phot id and then lost my mortgage application because of them ... .Now trying to move forward as XXXX victim, Experian has Freeze that they wont lift ... Can not get a hold of anybody at Experian live and 2 weeks trying to lift freeze they still say system down, bank is calling for XXXX attempt to get mortgae refi but Experian is not reachable or available with system down so I am hostage ... This is a violation of consumer protection laws that a private company hold hostage without a phone # to call for emergency service. This is insane. Holding me hostage I will take legal action later against all entities that prevent me from lifting freeze, giving my id info out under wrong name and has " NO '' communication ability for speaking to ... This is illegal and will be first to take to supreme court for justice and CFPB has allowed this. As a XXXX or not person this must be rectified for furture consumer issues that a live phone # is available for contacting this aganecy Experian. This is Hostage of another form ... Wait till I lock up XXXX of customers credit reports and yours with " NO '' way to contact me ... see if you like it or think its fair ... If your the fair credit Bureau of investigation. This is criminal in all directions and want legal action so this does not happen to ANYONE now that my bank for a XXXX time at my cost is trying but ca n't move forward I will file a {$250000.00} law suite for the mortgage I have tried to refi XXXX 's ... LIFT MY FREEZE ON EXPERIAN!!!! XXXX XXXX
Consumer complaint received 2022-02-12
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

On XX/XX/2022 an email was sent to Equifax XXXX XXXX XXXX XXXX regarding a breach in my account, i.e. an unauthorized party changed my residential address on file. The following Monday, XX/XX/2022 I reached back out by telephone to XXXX 's Equifax Corporate office and spoke with a XXXX XXXX in the Consumer Affairs department. XXXX XXXX worked very diligently to verify my identity but to no avail, we could not complete the process but through no fault on XXXX XXXX 's behalf. I was unable to get a clear image of my ID and answered incorrectly to the date to when I applied a Freeze on my account with Equifax as I had done with the other 2 credit bureaus '. I realized this after the fact. I simply let XXXX XXXX know how grateful I was and that I would get my act together and phone back the next day on the XXXX of XX/XX/2022. Unfortunately, through no fault of my own, I was not able to phone the Consumer Affairs department on Tuesday prior to their close of business day. Thus, the following day, on the XXXX of XX/XX/2022, I phoned with my neighbor by my side to aid in photographing my ID since I was not able to complete the process the first time with XXXX XXXX. However, the agent that I spoke to this time simply stated it was against company policy to send me a copy of my credit report with the incorrect and unauthorized address on it. I asked the agent if this was something she was reading from in the notes in my file because that was in contradiction to what I was trying to accomplish with XXXX XXXX on Monday the XXXX of XX/XX/2022. I told the agent that I understand that she does not know the history on the account and thanked her before saying goodbye. 

I have not moved thus, I did not change my address. I need to file a police report for someone attempting to steal my idenity and I can not do so without a copy of my account information with the psuedo-address on it. I do not hold Equifax responsible. 

Please assist me in this matter Kindest regard, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-10
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. (NY)

In accordance with the Fair Credit Reporting and XXXX Account numbers ending in # XXXX ( Account Name : XXXX XXXX XXXX ) and # XXXX ( Account Name : XXXXXXXX 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 an account without my written instructions
Consumer complaint received 2022-07-05
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. (TX)

1.Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : 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 my written instructions
Consumer complaint received 2018-05-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX My two previous complaints has unlimited misleading inaccurate information and W.F.B should is violation of RESPA, TCPA and so on.

Currently my request to have loan modified again no decision has been made even though I have used HUD counseling service. Reason for not denying or approving loan modification is one my daughter who is not a borrower or on the loan did not provide her pay stub. 

My daughter 's income has nothing to do with loan modification since she is is not on the loan or has borrowed form W.F.B. 

Since W.F.B has acted same manner which includes around XXXX when XXXX tried to assist me. 

Rest is in the two attachments that has many misleading and false information. 

W.F.B should cease entire sending fake letters when I do not file any complaints. Letters from XXXX XXXX XXXX are faked and its only to indicate FED and State of CA response have been made. Unlimited numbers of letters I have received from her she dose not or have never called me. Her letters are all faked and she should stop sending me fake letters when I did not contact W.F.B which never
Consumer complaint received 2022-07-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I have called numerous times to try to lower my monthly payments and also even trying to get a deferment for that month that I had a late payment of {$540.00}. I talked to the CFO asking about getting the late payment removed due to it already being past two years and also due to trying to get my family a home. She sounded confident that if I filled out the forms to get the late payment investigated into that I would be okay. I tried to send a goodwill letter after the payment had already been made two years ago but the letter was sent back to me. The only thing that they could tell me was that I was denied without even thoroughly explaining why except they had to report the findings but even trying to explain that the payment had already been paid and in hopes of a good will letter nothing could be done. In addition to asking for lower payments that I can barely afford.
Consumer complaint received 2019-08-01
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. (HI)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX and XXXX serious breach of my privacy rights XXXX XXXX
Consumer complaint received 2018-10-23
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Navient Solutions, LLC. (CA)

Without my authorization, Navient student loan servicing along with their contracted collection agency XXXX XXXX XXXX attempted a cash advance in the amount over 5,000.00 from my credit card. 

One week ago, I had authorized a one time credit card purchase in that same amount. It was declined by my credit card company because Navient/XXXX  was attempting a cash advance. I would have incurred significant cash advance fees along with a much higher interest rate for cash advance transaction. I refused the cash advance and my credit card company acknowledged. 

Without my authorization, on week later Navient/XXXX submitted a cash advance in the same amount which my credit card company flagged as fraud. Now, I must have my credit card changed out.