davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-20
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. (TX)

I became aware that my Equifax credit score fell 32 points. The report update provided online indicated that it was because a XXXX XXXX  XXXX account was closed between XX/XX/XXXX and XX/XX/XXXX. I panicked and confirmed with the bank that no accounts were closed ( and I have no credit cards with this bank ). I did realize that around that time, my debit card was updated with a new expiration date into XX/XX/XXXX but the account info/numbers etc were not changed. The bank says this is an account update not a closure. 
I logged into Equifax, providing all my personal information and filed a dispute. Within days I got an email saying I could view the results by clicking on a link provided - I did, once again providing all my personal information to log in. It said that it could not show me the results and to call XXXX XXXX XXXX The people at Equifax ( and I have called 3X to confirm this ) say - they can't provide me with the dispute resolution UNTIL I provide them by fax or snail mail - a copy of my Drivers License, my Social Security card and my passport. I have no intentions of sending anyone these items. And they repeat they will or can not give me the results of my dispute any other way. 
I can log into my account with all of my personal information and answer questions about my life 's history, but they will not let me view any dispute resolution results. 
HELP!
Consumer complaint received 2021-10-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bullseye Collection Agency (MN)

Received missed call from XXXX at XXXX on XX/XX/21. Number was not saved in phone, not sure who it was. 

When I called back at XXXX, the woman stated Bullseye Financial and asked if my name was XXXX XXXX XXXX XXXX XXXX XXXX. I said yes, that I received an unsolicited call from that number. The woman stated she was from Bullseye Financial and was sent information from law firm regarding a retainer fees debt. 

She never prefaced the call that she was from a debt collection agency, if the call was being recorded or not, or to verify I was the person they were looking for using other demographic information. I hung up the phone, assuming it was a scam call and blocked the number.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

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 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 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 2022-07-11
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: EQUIFAX, INC. (GA)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$6700.00} ), XXXX XXXXXXXX ( Opened XXXX XXXX, XXXX, Balance {$2700.00} ), XXXX XXXX XXXX XXXX  ( Opened XXXX XXXX, XXXX, Balance {$9000.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2021-06-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TriPoint Lending, LLC (TN)

XXXX  intentionally misled and lied to me telling me there would be no hard credit pulls to credit report and that only their company would pull a soft pull, I was assured by their representative XXXX whose phone number is XXXX, that there would not be multiple lenders pulling my credit and that it would not affect my credit score, I was placed on hold by the representative so she could speak to " underwriting '' for the loan, then I was told to follow a link they sent me and to confirm my information so that they could pull a soft inquiry again to see my rates and offers, after confirming my information I was offered loans by multiple company 's that were far below what I was told I was pre approved for with interest rates far higher than what I was told I was approved for. this affected my credit score negatively and I have been working very hard to improve it and this only hurt me due to the misleading of the company. this all occurred XX/XX/21
Consumer complaint received 2019-06-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Was at Bank of America today at XXXX. ( XXXX and XXXX in XXXX XXXX ) We asked our daughter to meet us there as we wanted to add her name to the safe deposit box. We were told that we had to have an appointment to do this. The bank was empty and they said no one was available to help us. The manager could not help us and another worker refused saying she is unable to assist us. WE felt that they simply did not show any interest in us. We are preferred customers at this bank. The bank owes us an apology. The whole process would have taken 15 minutes.
Consumer complaint received 2022-10-15
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. (PA)

In accordance with the Fair Credit Reporting act 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 2019-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

In XXXX, Chase bank made an unauthorized claim, and an unauthorized deduction of {$300.00} form my account, I opened a claim for it, later on, I received a letter indicating that while the investigation goes on they are going to place a temporary credit of {$600.00} on my account while they research the transactions that I reported. However, this {$600.00} did never showed up in my account. 

In XXXX, Chase bank made an unauthorized deduction of {$300.00} our of savings account and {$270.00} from my checking 's account, this unauthorized transactions resulted in having my account in the negative numbers, as a consequence of this deductions I could not close my account and I have been charged with overdraft fees. 

I have also been mistreated by the personnel of Chase bank when I went to ask for an explanation. 

I want to clarify this situation, and get my money back.
Consumer complaint received 2019-06-20
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. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied XXXX XXXX  XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX COUNT XX/XX/XXXX {$150.00} XXXX XXXX XXXX DE XX/XX/XXXX {$0.00}
Consumer complaint received 2019-06-20
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)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied XXXX XXXX XXXX XXXX XX/XX/XXXX {$340.00} 11 XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX   XX/XX/XXXX {$150.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$0.00}
Consumer complaint received 2023-07-04
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2019-10-09
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. (CO)

Transunion refuses to fix an error with an account discharged in bankruptcy. The creditor is XXXX XXXX XXXX. The discharged debt is reported as an OPEN account on my credit report. As a result the discharged debt shows as an ACTIVE DELINQUENT account on my credit report. This is violation of the FCRA and federal bankruptcy laws. Transunion has also suspended my access to the dispute center so I can not add a note to the credit report explaining why it is inaccurate or open a new dispute with them. Customer service does not fix my access to the dispute center. I have access to all other Transunion account features ...
Consumer complaint received 2019-06-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Weber & Olcese, PLC (MI)

At this point I feel like the company is just harassing me they continued to request the same information over and over again I provide the information every time I don't honestly know what the company hopes to accomplish by doing this I complied with every request but it's getting a little tiresome my checking the bank account information is not going to change from month to month requesting the information each month in my opinion is just turning into harassment
Consumer complaint received 2020-02-08
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. (MO)

There's multiple inquiries on my crefit file inwhich i have absolute any knowledge of and im demanding that they be removed due to fraud. The inquiries in question are as following. 

1 ) XXXX  XX/XX/XXXX 2 ) XXXX  XX/XX/XXXX 3 ) XXXX XXXX XXXX XX/XX/XXXX 4 )  XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX  XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had XXXX fraud on my credit card which I cancelled and have not received yet. 
XXXX has charged my new credit card which I have not received, and I do not have the number to use, without my permission. 
I was told by capital once that, Visa Mastercard gave my new credit card number to XXXX ..... I did not give them permission to do so.
Consumer complaint received 2019-10-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (IA)

I contacted XXXX XXXX XXXX about resolving a balance I owed to them. They informed me that they had sold my account to a company called LVNV Funding. I called LVNV Funding and they told me that a company named Resurgent Capital Services LP was handling this account. I called Resurgent Capital Services and was told that a company called XXXX XXXX was handling my account. I called XXXX XXXX and they offered me a settlement to pay this account and it will not be reported to my credit report. However, Resurgent has reported this to my credit report after this. I called them and they seem interested only in harming people 's credit profiles rather than the account being paid. 

This is an overly convoluted process when I had willingly been trying to settle this debt before ever being contacted by this company. This is very deceptive and confusing for consumers.
Consumer complaint received 2022-11-16
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: BARCLAYS BANK DELAWARE (FL)

Supplemental information regarding COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 Barclays has not responded to this complaint but further continues to complicate the disputed charges as reflected on the attached communication.
Consumer complaint received 2018-06-18
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: Experian Information Solutions Inc. (GA)

XX/XX/2018, prior to obtaining a auto loan, I checked all 3 credit bureaus reports, as there were major discrepancies in my pre-approval XXXX  and XXXX score ( s ) ... 670-672 -vs- my monthly monitoring of actual scores results XXXX. 
Of the 3 credit major credit bureaus, Experian was only agency to include multiple errors. Multiple ( 5 ) accounts from my father 's ( Senior 's ) credit file ( credit card accounts ) were reported as mine, and applied to my ( Junior 's ) credit file/report. 
After consulting my parents, my mother ( auth.user of accts ), contacted the card companies, and each denied reporting the errors, each stating that they did not have my ( Jr 's ) personal information ( social, DOB, etc ) that would even allow them to make such reports/errors. 
All erroneous accounts were disputed with Experian as " not mine, not authorized user ''. ( I also signed up for Experian monitoring service to more easily monitor this problem ). 
Experian very quickly removed all of the errors, and sent me update stating corrections completed, file has been updated. 
However, on XX/XX/2018, when applying for an auto loan with XXXX XXXX, XXXX XXXX, etc ... all debt errors ( $ 24,000+ ) was still reported as mine, therefore causing my 'debt ratio ' to be vastly incorrect, and as a result, 4 auto loans companies have denied me credit stating " credit card debt too high ''. 
Hard inquiries are now present ( expected ), with very negative results ( not expected ), and long term results that should have never occurred. 
Today, XX/XX/2018, I was going to print, and send copies of Experian credit file errors/corrections to the 4 loans companies, in hopes that it by some miracle, it would help me, although very doubtful, now that they have a negative image of me. 
However, in trying to do so, only one of the many corrected disputes are showing as having occurred. Obviously, this will be in total contrast with the report ( s ) the auto loan co. 's have on file. 
Three of the five corrections were with same company ( XXXX XXXX XXXX  ). I don't know if this has anything to do with the lack of 'corrected results ' showing. However, when Experian reported errors as mine, they were reported individually, therefore should be shown as corrected individually. 

Thank you very much.
Consumer complaint received 2022-11-16
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. (GA)

XXXX XXXX XXXX SECTION XXXX A STATES I HAVE THE RIGHT TO PRIVACY XXXX XXXX XXXX SECTION XXXX A SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX U.S.C XXXX { a } { XXXX } SECTION STATES NO CONSUMER REPORTING AGENCY XXXX MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OR INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN XXXX YEARS. 

XXXX U.S.C XXXX { A } { XXXX } A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE XXXX XXXX XXXXXXXX {$100.00} XXXX XXXX  XXXX {$18.00} XXXX XXXX XXXX XXXX  XXXX {$1100.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX {$410.00}
Consumer complaint received 2023-05-02
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. (PA)

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 U.S.C 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1682 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 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 7 years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or had reasonable cause to believe the information is inaccurate
Consumer complaint received 2023-05-02
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. (GA)

Please delete all hard inquiries these are not authorized by me! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-06-20
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. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied XXXX  XXXX  XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX XX/XX/XXXX {$150.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I went to college and in the middle of going to college I I got XXXX. I had to stop attending college and could not defer my loans anymore due to the fact that I was XXXX after the XXXX. I was found officially XXXX by Social Security, and now I live on XXXX only. I have no way of paying back these loans. I have asked XXXX for the dismissal paperwork due to official XXXX many times, but they wont send the papers, and will NOT consider loan forgiveness, and the statute of limitations is OUT from a lot of these loans now, its been 7 years for many of them, and I want them taken off my credit report! 
my private student lender ( XXXX ) said I couldn't dismiss the loans I got. I have tried to get the paperwork from XXXX, but they wont send it. the statute of limitations ( 7 years ) has run out on a lot of these loans, and they're still on my credit report. I want them removed now. all the credit monitoring sites still have them listed, and I cant find where to dispute the listings. I need help getting these removed from my credit report.
Consumer complaint received 2018-02-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Check Recovery Bureau, Inc. (NC)

I was contacted by XXXX with United Check Recovery Bureau. I asked him to remove my number and to not contact me further and he refused and continued to talk with me about the debt of a former spouse. I asked him again and he continued to harass me and not acknowledge my request to remove my number. 

I finally told him I was going to file a complaint he became rude and laughed at me and said " File a complain with who? '' I told him the FTC and at that point he decided to listen to my request to remove my number. 

He was trying to be intimidating after I had already told him 2 days earlier that I am divorced and not responsible for the debt. 

The phone number that dialed me from was XXXX