davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

Equifax has been constantly ignoring my request for validation of accounts. I have requested several times from the companies for proof of contract that applied with them to no prevail. I have also sent Equifax numerous of request to delete due to no contract or validation of account and provide proof. Equifax has continuous ignored my request even after providing proof. They are also displaying someone else ssn number on my credit report. This is against the law to release this information belonging to other individuals. I would like this information remove asap before I seek legal assistance. I do n't want to be held accountable for their mistakes. I have attached the request as well as forms that were previously sent to Equifax per their request as well as a copy of my DL, SSN. They are stating it is from an application. I do not apply for anything with someone elses ssn so please remove. Please not this information was sent to a Supervisor in their Consumer Internal Affair Dept several times. Also in a previous case I asked for the fraud alert to be remove and they responded that it was removed on the report attached they have added this back to my file. Equifax practices regarding peoples SSN,  identity, and file to me is criminal. They just allow anything to be on the reports without proper validation. Please see the attached letters that were sent to Equifax certified as well as faxed. They have violated my rights completely.
Consumer complaint received 2018-10-23
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. (PA)

Dear Sir/Madam please see the attached letter regarding inquiry made by XXXX CREDIT CARD We accepted the application as Fraudulent Dear XXXX XXXX XXXX : Were writing about your inquiry, which we received from the Consumer Financial Protection Bureau on XX/XX/XXXX, about the credit card application you did not authorize. 
We advised you in the letter we sent to you dated XX/XX/XXXX that we had received an application on XX/XX/XXXX using information that verified to you. You notified us on XX/XX/XXXX that this application was not submitted by you. As we advised you in the letter sent to you, we accepted the application as Fraudulent. We have enclosed the letter dated XX/XX/XXXX for your review. 
We also asked the credit reporting agencies to mask the credit inquiry from your credit report. Only you and the reporting agency will be able to see the inquiry. It wont be visible to any other organization that reviews your credit report. During our phone call with you on XX/XX/XXXX you stated that you wanted the inquiry to be removed, not masked. We advised you that you would have to contact the credit reporting agencies directly and request for the inquiry to be removed. 
As stated below, we can not guarantee, warrant, or take responsibility for the performance of any credit reporting agency in changing, deleting, or making entries in relation to any derogatory credit information. 
Please allow sufficient time for the update, and then request a new copy of your credit report. Here is the contact information for the four national credit reporting agencies : XXXX  XXXX   TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX, GA XXXX XXXX, PA XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion.com XXXX If you have additional questions about this issue, please call XXXX at XXXX, extension XXXX
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2022-03-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WA)

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2023-03-19
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. (VA)

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 XXXX5 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 2022-03-11
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. (PA)

I understand that pursuant to 15 usc 1681 ( a ) ( 4 ) the credit reporting agencies did not exercise there grave responsibility with fairness. They was completely unfair, and impartial. They even in fringed upon my right to privacy. Proof of this is they furnished multiple transactions which they can't even prove took place, and never even consulted with me through email, phone or mail to get proof these inaccurate transactions took place. Then what make matters worse they solicited and advertised these transaction for anyone to see. This is irresponsible, unfair impartial and infringement upon my right to privacy. They broke the law...
Consumer complaint received 2018-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Credit Karma (FL)

Had a mortgage with XXXX XXXX XXXX XXXX about 10 years ago. Received an alert from Credit Karma that XXXX XXXX removed my account from my credit report and caused an XXXX points drop on my credit score. Contacted XXXX XXXX but couldn't get help.
Consumer complaint received 2018-10-23
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (IL)

On XX/XX/2018 a order was placed to XXXX for the amount of XXXX. Two days later the item was delivered in which my signature was forged and someone stole the item. I filled a dispute with XXXX XXXX who is XXXX XXXX and provided them with a police report as well as a Identity Theft report and they refused to remove the charges. They also closed my account without notifying me
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Re : Transunion Dear Transunion, There are multiple spellings of my name and listed address that are not associated with me on my credit report that is incorrect. My name is spelled only one way XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX XXXX, FL XXXX. All other addresses and spelling of my name listed are incorrect and resulted from crime ( s ) that have taken place. You were sent a copies of an sworn identity-theft affidavit and identity-report filed with the federal trade commission. However, these inaccuracies still remain on my credit reports which is a violation of THE FAIR CREDIT REPORTING ACT. Furthermore, these incorrect addresses and misspellings of my name prohibit me from verifying my identity with creditors. Lastly, you have also be sent updated information of my current address which I lived at for the past 25 years. I have exhausted all remedies before I take legal action. The following listing in my file are a defamation of character because they are also associated with debts I DO NOT OWE.
Consumer complaint received 2022-03-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (AL)

I had an freeze on my Experian account. I have filled out their form online with my pin about 5 times, plus I have written 2 letters directly to Experian requesting that they remove any locks or freezes so that I can try to obtain a refinance on my mortgage. 

My account is unlocked and not frozen, but they refuse to release my credit report to anyone at all. 

Ive been calling them for over a month complaining about this. Will you please call them to release my credit file and score to anyone who ask for it. 

I do not ever want them to freeze or lock my information to anyone.
Consumer complaint received 2017-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Control Bureau (LA)

Account Control Bureau Contacted me by mail regarding an account with a company " Under The Sun XXXX XXXX '' I responded with the attached e-mail to XXXXXXXXXXXX " Disputing the validity of the debt '' on XXXX XXXX XXXX. Account Control Bureau did not investigate or provide any documentation or communication of the results of any investigation. Account Control Bureau placed derogatory information on my credit file with the credit bureau 's in violation of my rights as a consumer to challenge the debt.
Consumer complaint received 2019-03-28
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (PA)

Navient continues to contact my father regarding a private student loan that was taken out in 1997. He has made payments on this loan however t It seems that the principal has never gone day and continued interest is piling up. They call constantly up 7 times a day on robo calls. I had changed the contact information since I place them in debt payment plan with XXXX XXXX XXXX. I asked them to stop calling my father since he is a senior and it has become hard financially. They continue to call and report negatively on our credit reports. They have become a nusance. I also asked if I could do a financial hardship and they denied it. The calls just keep coming in and my father has XXXX and the situation has gotten worse. Navient has the worst collection methods.
Consumer complaint received 2018-10-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

I closed on my mortgage on XX/XX/2018. USAA Bank received their funds that day. I had an escrow balance of more than {$900.00}. I called after 10 days to inquire where my funds were and was told I should receive them within 20 days of closing. I inquired again today and was told they were disbursed on XXXX-18 ; not mailed, disbursed. 
Mortgage companies should not be allowed to hold my funds without paying interest for that long. The loan account is not like a checking account, all outstanding or pending debits are accounted for on the closing statement and therefore no reason to hold the account open. 

My account # is XXXX ; the property address is : XXXX XXXX XXXX, XXXX, OH XXXX.
Consumer complaint received 2018-10-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (MO)

I have maintained a personal and business checking at PNC Bank since on or around XX/XX/XXXX. My system of personal finances operates on a cash-to-account basis. This means I will make several cash deposits through the week, as needed for purchases. I also frequently check my account balance via the PNC Mobile application, and have account alerts setup when my balance reaches below {$100.00}. On Sunday XX/XX/XXXX I received an email notifying me my available balance was {$33.00}. Again on Saturday XX/XX/XXXX notifying me my balance was {$5.00}. Seeing no issue as I was coming in the next day to make a deposit, I refrained from making any purchases that would overdraft my account. On Tuesday XX/XX/XXXX I received an email notifying me my account was overdrawn and balance was negative - {$85.00}, of which {$72.00} was 2 overdraft fee 's ( {$36.00} x 2 ). I attempted to resolve this with a banker on XX/XX/XXXX at the PNC branch office ( XXXX XXXX XXXX, XXXX XXXX, MO XXXX ). The banker advised me that their systems do not update the balance from over the weekend until Tuesday which is why the available balance information was incorrect, and recommended I call the automated system instead of relying on the mobile app. I can not FATHOM, with the mechanism 's and technology available between PNC and the consumer, why I have to not only make a phone call to get information, but why the information readily available on their mobile/online banking system IS NOT ACCURATE. Had I known that they were going to slow roll my purchases over the weekend and carry them to almost middle of the week, I would have made the necessary deposit to keep the account from going over.
Consumer complaint received 2022-02-09
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2018-10-23
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. (IL)

I have submitted a dispute to Equifax for the last past few months involving identity theft and they refuse to block the fraudulent information. I have sent a copy of an identity theft report along with a police report and the status of the account has not changed. XXXX and XXXX has acted and removed the information already.
Consumer complaint received 2018-10-23
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (DE)

For the last year I have had a credit limit of {$3300.00}. On XX/XX/XXXX I made a payment of {$3200.00} that reduced my balance to {$0.00}. On XX/XX/XXXX I made a purchase for {$320.00} but it was subsequently returned. I was waiting on a refund and did not make the monthly payment so my credit limit was reduced from {$3300.00} to {$390.00}. The refund was applied to my account on XX/XX/XXXX for the full amount of {$320.00}, however ; my credit limit has not been increased. When I inquired about the reduction I was told it was due to the late payment. The issue has been resolved and I feel that the reason my credit limit was reduced is because I paid off my balance. These discriminatory practices should not be allowed in the credit card industry.
Consumer complaint received 2022-03-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I hope this message finds you well. I am writing to follow up on my previous correspondence regarding the delayed opening of my accounts with your company. 

I have not received any updates or resolutions regarding the status of my accounts opening request. Given the urgency of this matter, I am reaching out to inquire about the progress and to emphasize the importance of expediting the correction of this issue. 

I understand that unforeseen delays may occur in the accounts opening process, but the lack of communication and transparency regarding the status of my request is concerning. As a prospective customer, I expected a more efficient and responsive resolution to this matter. 

I kindly request that you prioritize the review and processing of my accounts opening request to ensure its timely completion. Additionally, I would appreciate regular updates on the progress and expected timeframe for the resolution of this issue. 

Please be advised that the prolonged delay in opening my accounts is not only inconvenient but also reflects poorly on the level of service provided by your company. I trust that you will take immediate action to rectify this situation and provide a satisfactory resolution. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX Balance : {$230000.00} ; XXXX XXXX Balance : {$260.00}.
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: Experian Information Solutions Inc. (DE)

On XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

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

According to : 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 According to : 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 2018-10-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Byrider Franchising, LLC (PA)

We bought a car at XXXX. ByRiders in 2008, a XXXX XXXX which was traded for a new vehicle ( XXXX XXXX ) and the XXXX XXXX was paid off during the transaction! We do lot owe the balance they claim. XXXX XXXX has falsely accounted for a debt that we are not liable for. 

The car they sold us was over priced and had mechanical issues. The debt collection amounts is illegal and we seek help to avoid paying such claim! 

Thank you!