davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-24
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: Experian Information Solutions Inc. (MI)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-07-12
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: Experian Information Solutions Inc. (SC)

Please note, this is a not a duplicate complaint and I'm not using any third party for this matter. The account that I'm disputing in litigation : XXXX XXXX XXXX Account Number : XXXX. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW, 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist. 
I have contacted the Creditor for this matter and they confirmed, that EXPERIAN NEVER SENT ANY REQUEST FOR THIS MATTER.
Consumer complaint received 2024-03-02
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. (FL)

Hello, I sent a letter to Transunion ( Certified Mail ) letting them know that I have been a victim of Identity Theft and that they are reporting XXXX accounts inaccurately on my credit report. 

The accounts are as followed : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Possible Transunion said they can not block these illegal accounts because they feel like my claim isn't true although I sent all the necessary paperwork and made sure to send it ceritfied mail with a tracking number. 

I don't think it's fair that transunion is doing this to me. 

I'd really appreciate removal of these accounts because they are not mine. the other XXXX credit bureaus have removed them. 

Please fine them or have them help me. 

Thank you.
Consumer complaint received 2021-02-18
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. (MO)

On XX/XX/XXXX I mailed off letter to XXXX, Transunion, and XXXX  about so many inaccuracies/errors throughout my entire credit report. So many inconsistent and inaccurate accounts and violations under the FCRA. I don't know which company is correct or inaccurate but I do know its too many inaccuracies and errors and the credit report should be 100 % accurate. I have not received a response yet at all Also, on XX/XX/XXXX I sent letter XXXX and XXXX  about the XXXX XXXX on my report and both are violating my XXXX Rights with these reporting. The bureaus need to be held responsible for the violations and inconsistent reporting. 

I have mailed a Demand to XXXX XXXX on XX/XX/XXXX for the bureaus.
Consumer complaint received 2023-07-12
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: Experian Information Solutions Inc. (MD)

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 XXXXXXXX XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX 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 2019-04-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TD BANK US HOLDING COMPANY (MA)

The collection agency XXXX XXXX has contacted me regarding a debt. I spoke with XXXX XXXX, and made a monthly payment arrangement to pay the debt in full. He refused to administer the payments on the date I informed him was necessary. The date of the draft is specific because my husband is a XXXX XXXX veteran who is receiving Veteran 's Affairs XXXX Compensation,  this limits our budget severely. The payments would not go through until the first of the month and they continued to draft them on the last day of the month resulting in a missed payment. They were unwilling to negotiate a better solution. XXXX XXXX then threatened legal action to scare us into payment. There were multiple occasions that after the payment would fair on the last day of the month he would call my place of employment multiple times and notify them of my debt. Then recently on XX/XX/2019 he contacted my mother directly on a phone line that is unlisted to notify her of my debt and obligation to pay. He has been harassing and unprofessional.
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (IL)

I am having challenges getting a hold of anybody at Experian to check my credit report and place a freeze on my account. I am continually directed to call their number due to not being able to process my request online. However, when I call there is no option to speak to a person and I am then directed to go to the website to create an account. 

I use XXXX, however they can not access the reports and fraud alerts from Experian either. I need to gain access to my credit history and place fraud alerts/freezes on my accounts.
Consumer complaint received 2019-04-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (WA)

Equifax website, where I submitted a dispute, is constantly down. I am unable to check status, get verified. In short, I am unable to proceed in removing an incorrect negative impact to my credit. 
At this time, as more than 30 days have past I request removal of the negative impact, per law.
Consumer complaint received 2019-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (MN)

AE ( American Exp ) have closed 4 credit cards I had altogether without a legitimate reason. They sent me notice in mail stating that " it was no being used for its intended purpose. When I called ( twice on XX/XX/XXXX andXX/XX/XXXX ) and asked what it meant by " not used for intended purpose, both representatives said that the cancellation was a result of business decision. When I asked to clarify that, they said they have no more info than that and no one will be able to provide me with further info. They said I can write a letter to their CEO but it won't be helpful. I have a good credit score and always pay the credit card payment on time. One of the cards I have been used for years. There are two cards that I have for a few months and just paid membership fee. I have tens of thousands bonus point on a card that I lost as cancellation of card. I have financial loss as a result of AE cancellation without a clarification.
Consumer complaint received 2019-04-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (GA)

Citibank had an IRA with my maiden name. I faxed all paperwork on XX/XX/19.To date I still have not rec 'd my funds. If I didn't call they never reached out. I called in on XX/XX/19 and was told they needed my id again. Then I called on XX/XX/19 for status and was told they had a block on my account they would take 5-10 more days. Really. She was rude and hung up on me. Then on XX/XX/19 called again and was given 3 options. Still nothing. if I didn't call I guess I would never get my funds. The worst customer experience. I just need to change my name and get my money out of citibank.
Consumer complaint received 2023-07-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a complaint 44 days ago which is over the 30 day investigation response period. Im demanding that the account mentioned in the original complain is removed from all 3 credit bureau reports immediately due to company violating consumer federally protected rights. 

15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 :
Consumer complaint received 2023-02-24
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: EQUIFAX, INC. (GA)

IVE BEEN TRYIN REPEATEDLY TO REMOVE AN UNAUTHORIZED ADDRESS FROM MY XXXX AND EQUIFAX CREDIT PROFILE FOR 2 YEAR NOW. IVE CONTACTED THEN BY PHONE, LETTER, AND EMAIL STILL NO POSITIVE RESULTS. I ALSO HAVE UNAUTHORIZED INQUIRIES.
Consumer complaint received 2023-07-12
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

I have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

After multiple disputes of fraudulent bankruptcies with inaccurate information on reports. Experian says I need to contact XXXX XXXX and they are verifying the information as Accurate. After contacting XXXX  XXXX, they proved that Experian is not verifying such information with them because they have no bankruptcies to report or verify. Experian repeats false reportings of wrong information and its inaccurate and not verified. And stating it will remain on file for 10 years. Under what laws? They are faking verification an not verifying with the source which is against the law and violating my rights to fair reporting.
Consumer complaint received 2022-01-12
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

This is my THIRD time disputing the following accounts : XXXX, XXXX # XXXX -CAPITAL ONE # XXXX -CAPITAL ONE # XXXX -XXXX  XXXX XXXX # XXXX -CAPITAL ONE AUTO FINANCE # XXXX I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize.
Consumer complaint received 2019-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

Chase sent me a letter dated XX/XX/XXXX that they were closing my credit card account " because continuing the relationship creates possible reputational risk to our company ''. 
I called the number on the letter " if you have any questions '' and when I spoke with a supervisor, he refused to give me any explanation on why they were doing this. My financial record is spotless and my credit score is XXXX but will drop significantly when they close this account on XX/XX/XXXX. I have one XXXX NON-FINANCIAL XXXX conviction on my record. What would this have to do with closing my account and hurting my credit?
Consumer complaint received 2019-04-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NC)

I opened a CITI Checking and Savings account in order to receive a stated {$500.00} bonus into my account after completing activities. Promotion code was XXXX. I opened the account on XX/XX/2019. However, after account opening there was a delay in receiving my debit card and pin number, which I contacted CITI about. They told me the delay won't affect my bonus as I will have some additional time to complete requirements. I rushed to deposit the {$15000.00} as soon as possible, and set up my direct deposit as well, which was the second requirement. After waiting over a month, I contacted CITI again to ensure everything was okay and that I was on track to receive the {$500.00} bonus. I spoke with XXXX over chat, which I have attached, on XX/XX/2019. They stated that I have completed all activities as discussed, and only need to wait the additional time with the money in my account. I wait almost another month and a half, and do not see the bonus. I contact CITI again in order to receive the bonus, and they file a claim with which I received a letter after three months stating that I did not apparently meet the requirements, even though I had discussed this with CITI multiple times that an error on their end delayed my account opening and funding.
Consumer complaint received 2018-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (IN)

XX/XX/XXXX Convergent sent letter stating a debt was owed to XXXX XXXX XXXX   for XXXX.

XXXX XXXX XXXX was bought out by XXXX XXXX. I contacted XXXX XXXX to verify debt. XXXX XXXX verified old debt was valid. Confirmed the amount owned of XXXX They advised I should come in and paid it directly.

XX/XX/18 Paid XXXX XXXX the amount of XXXX ( advised by teller ) Transaction number XXXXXX/XX/2018 XXXX  # XXXX  Called Convergent to inform them of payment and asked what the additional charges were for. They advised interest rates. I requested a break down to confirm and they agreed to email the breakdown.

XX/XX/18 Called Convergent to follow up on the status of email break down. They advised me they had not sent it, and transferred me to have it sent out " XXXX XXXX '' ( refused to provide ID number or reference ) XXXX XXXX advised that is was interest and fee they charged on top of the original debt. He offered to remove the additional charges and not report it to collections if I was able to make the original payment. I agreed that the Orginal payment could, in fact, be taken care of. I provided him with the payment date to XXXX XXXX  and offered to provide transaction number.

He then refused to hold his offer and said that was not proof. I advised him to contact the bank, ( for which he collects for ) he refused. I offered to provide a three-way call, which he refused to.

Debt has been paid, " XXXX XXXX '' is attempting to extort additional fees.
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IN)

On XX/XX/2019, I tried to lift my credit freeze from Experian, So that I may purchase a house.In trying to the log and failed. And appeared a letter stating that I would have to mail in a request. Which on XX/XX/2019 I did hear it is XX/XX/2019 and Credit freeze has still not been lifted and no results numerous attempts.
Consumer complaint received 2023-07-12
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. (MS)

This is my eight 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 records 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 an alleged fraud or extortion. 
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
Consumer complaint received 2019-02-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

Signed up for XXXX Credit Card. 

2nd payment problems started : In order to set up 1st payment, a bank or debit card must be added and authorized. Rounting numbers and account numbers were entered. 

Customer selects a schedule payment date. All indications to this point alert that it is a reocurring date that you are selecting. Customer is actually only scheduling a ONE TIME NON REOCURING payment. 

I recieved calls alerting me my account is past due and a late fee. The game is to entrap customers into thinking they have made a reoccurring payment and then trick them with a late fee. Once you call in, when this happens, this uses up the one and only late fee grace period per year, making it seem like they extend you good will. And now making it much more likely you will forget to make a payment in the future and a higher chance they keep the late fee. 

Company should be obligated to provide auto payments or prevented from scheduling payments in a future date. They are clearly the same system, but used selectively for max profit. Company is obligated to disclose that it does not have auto pay and you must pay again manually within 30 Days. 

A helping you from the water with the hand they pushed you in with.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-07-06
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)

These inquires do not belong to me and are fraud. I have included the identity theft report. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-07-06
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. (AZ)

I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.
Consumer complaint received 2019-04-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SUNTRUST BANKS, INC. (CA)

I received an email saying I was accepted by XXXX XXXX for {$8000.00}. I called the number and gave my information such as bank and social. When it was time for the loan they were going to deposit {$1700.00} in my account but I needed to send it back via gift cards. Lucky for me my account is on the minus XXXX. So they put {$960.00} in the account to make positive but theres a {$700.00} on hold to take out the would make the account - $ XXXX he told me that it was going to take 1 hour to process due and I asked if I should call back tomorrow. He said yes and that I would have to get gifts and send them as proof. So Im minus XXXX with XXXX in my account while thats a {$700.00} pending amount to be taken out