davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
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. (OH)

PLEASE REOPEN THIS FILE AS NONE OF THESE ISSUES WERE PROPERLY ADDRESSED! IT IS MY LEGAL RIGHT AS A CONSUMER TO HAVE MY CREDIT FILE TO BE 100 % ACCURATE AND MY FILE WITH THIS COMPANY IS NOT THIS IS WHY I FILE MY COMPLAINT WITH THIS AGENCY! PLEASE DO THE RIGHT THING AND REPRESENT ME PROPERLY AND HELP ME WITH ALL THE INFORMATION DOCUMENTATION I PROVIDED YOU TO HELP ME GET MY CREDIT FILE WITH THIS CREDIT REPORTING ANGENCY 100 % ACCURATE!! I WILL BE ALSO SENDING THE SAME INFORMATION TO THE FTC! THANK YOU AGAIN FOR YOU HARD WORK ON HELPING US AMERICANS!! BLESS YOU!! I FORMALLY REQUEST THAT YOU REOPEN MY COMPLAINT AGAIN!! 
XXXX, XXXX, AND XXXX THESE WERE ALL CLOSED AND NEED TO BE REOPENED WITH THE INFORMATION PROVIDED PLEASE!
Consumer complaint received 2020-12-18
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. (CA)

I have a credit card from XXXX XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Equifax, XXXX, and XXXX are obligated by the FCRA to report accurate accounting. Consumer has advised all the inquiries reported was fraud. Said company had four days according to LAW to remove such items. FTC report XXXX was filed on behalf of consumer, consumer is now requesting Equifax, XXXX, and XXXX to provide documentation used to determining inquiry was indeed authorized by the consumer. Equifax, XXXX, and XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an e-Oscar report. If Equifax, XXXX, or XXXX does not have documentation to show these were in fact authorized it must be REMOVED ASAP. Said companies are liable under the SEC to follow certain rules. I will be filing form 211 treasury OMB form to audit consumers account. Equifax, XXXX, and XXXX are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Said companies have violated Privacy Act of 1974, 15 USC 6802, and15 USC 6805 Certificate indebtedness can not be reported in Credit report
Consumer complaint received 2022-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC (AZ)

I have contacted XXXX on numerous occasions asking that the collection for XXXX for the amount of {$2100.00} be removed due to the fact that XXXX XXXX and XXXX no longer state I owe this amount.
Consumer complaint received 2020-12-18
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. (FL)

I have two duplicate inquiries from XXXX  XXXX XXXX from XX/XX/2020. I have contacted TransUnion and they refused to investigate the issue. 
I have filed a complaint with XXXX  XXXX XXXX as well. They respond and said they would fix in on XX/XX/2020. The inquirys are for the same date and time.
Consumer complaint received 2022-05-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (WA)

Truist bank ( bbt mortgage ) We refinanced our home loan in XX/XX/XXXX and Truist bank has not paid us our escrow money {$1100.00}. My understanding is that the bank that they are the loan service company for XXXX XXXX XXXX Bank ) told us that Truist bank has 30 days to refund us our escrow and that we should contact you to file a complaint. We have contacted them twice a month since startting in XX/XX/XXXX to find out the status and have been given the run around. Truist Banks number is XXXX XXXX please advise. Our account number with them was # XXXX Thank you XXXX XXXX
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc. (OR)

I have two open and current accounts that are not showing on my credit report. The first account is with Commenity Bank XXXX and the second is XXXX XXXX credit card. Commenity back I have had numerous problems with and my current account with them was showing on my report for a while but it just somehow disappeared today even though the account is still open and in good standing. This hurt my credit file drastically. The next is a XXXX XXXX credit card that is in good standing but doesnt show on my report.
Consumer complaint received 2019-06-28
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. (PA)

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. 

ACCOUNTS XXXX XXXX not mine XXXX/XXXX XXXX not mine XXXX   XXXX {$1100.00} not mine XXXX  XXXX {$270.00} not mine XXXX XXXX XXXX XXXX {$360.00} not mine
Consumer complaint received 2020-02-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (MD)

On XX/XX/2020 I get a text message from Netspend all access saying to call before I can use my card so I called about 1 hour later I get an email saying my card was reported lost or stolen I called again for the rep to keep telling me I transferred the money I would be play with that account my sons ssi check deposits there and my federal and state refund goes there I never reported nothing lost or stolen NEVER so now Im waiting my rent is due and We were on our way to celebrate my sons XXXX birthday it is the worst
Consumer complaint received 2024-03-07
Product: Credit reporting 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. (LA)

I have credit inquiries that I do not recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-13
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. (TX)

On XX/XX/XXXX, I was alerted from my credit monitoring that my score changed with Equifax, XXXX and XXXX. I looked to see what exactly was the change and when I looked they had dropped my score by XXXX points because I paid down my credit cards, lowering my utilization. From my understanding i didn't know that if you paid down your credit cards that your score would decrease. I feel that is a violation of my consumer rights and is intentionally hurting my ability to apply for credit by decreasing my score. I have been paying my accounts on time with great payment status, no derogatoriness and trying to get my utilization down and yet my score has not gone over XXXX. I am asking that a full investigation be done for I feel that this is a discriminatory act on the credit bureau because of my ethnicity,
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

XXXX XXXX  XXXX should not be on my report. Equifax removed this account and reinserted it with a balance. I have attached my pay to delete letter from XXXX XXXX XXXX
Consumer complaint received 2019-06-28
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. (CA)

I have 1 mortgage account on my credit but 2 are being reported because my loan was transferred which is making my score drop an additional 28 points from the original 60 that dropped when I first received my mortgage I attempted to remove one of them because regardless of it was transferred or not there should only be 1 mortgage account on my credit as well and the joint account holder. I feel like these credit bureaus are getting over doing these type of things its unfair to the consumer Ive worked hard to keep my account on track and pay all my bills on time but I keep getting penalized for another companies mistake
Consumer complaint received 2020-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

On XX/XX/2020 I sent a validation of debt letter to the company Transworld Systems INC asking them to validate the amount they claim I owe of XXXX and amount is constantly changing on credit report monthly. This company never responded to the validation of debt letter nor have I spoken with this company. They input a comment of being affected by pandemic in which I've never ever had a conversation with anyone in this company. They have also input a notice of dispute on my credit report but still have not validated the debt with me nor have they responded to my letter requesting them to validate this debt. I do not have any contracts of any kind with my signature stating I owe this debt.
Consumer complaint received 2020-12-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I submitted a dispute request on XX/XX/20 to Experian to which I did not receive a response addressing my concerns. I followed up with a second dispute request on XX/XX/20 and still have yet to receive a response. This has been an going issue for the past year. Why are they not being held accountable?
Consumer complaint received 2022-10-19
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 — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (WI)

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Consumer complaint received 2022-05-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NY)

BSI Financial Services Attention : Qualified Written Requests XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Qualified Written Request - Notice of Error or Information Request BSI Financial Services ran a new escrow analysis and they are escrowing for the home policy twice once listed as home and once listed as wind. Therefore my mortgage payment went from {$2100.00} to {$2500.00}. My Homeowners insurance agent spent several hours trying to explain to them their error. They have not corrected the error and they keep calling to collect the {$2500.00} they are also sending me written notices for late payments and 45 days late notice. They insist I have to pay the XXXX in full or I will be in default. I made the payment today XX/XX/2022 in the amount of {$2500.00} even though that amount is incorrect. I have XXXX children and I am afraid of the negative consequences this may have on our lives and credit. I have discussed this not only with the customer service agents at BSI Financial on several occasions and they can not and will not provide me a written explanation. My Homeowners insurance company has e-mailed them my complete homeowner package which provides ALL necessary coverage on two separate occasions and My agent has spoken to them on a conference call with me several times. I have included a copy of the escrow analysis where you can clearly see the double amount. and the 2 monthly statement with the increase of {$380.00} which I should not be paying.
Consumer complaint received 2024-03-07
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. (TX)

Each year I try and review my credit report. In this case I was checking it so I can purchase a house. I saw damages on my credit report and according to the 15 U.S.C 1681 law, there should not be any damages on my report. It is a defamation to my character.
Consumer complaint received 2022-10-19
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (WI)

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Consumer complaint received 2022-10-19
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: CBC Companies, Inc. (RI)

Company is sharing my information without my expressed consent. Which is a form of Identity Theft. I am aware that Identity Theft as described in 15 US Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using identifying information of another person without authority. Provide the SSA 89 form giving my written authorization to discuss matters that involve the use of my Social Security Number.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Equifax, XXXX, and XXXX are obligated by the FCRA to report accurate accounting. Consumer has advised all the inquiries reported was fraud. Said company had four days according to LAW to remove such items. FTC report XXXX was filed on behalf of consumer, consumer is now requesting Equifax, XXXX, and XXXX to provide documentation used to determining inquiry was indeed authorized by the consumer. Equifax, XXXX, and XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an e-Oscar report. If Equifax, XXXX, or XXXX does not have documentation to show these were in fact authorized it must be REMOVED ASAP. Said companies are liable under the SEC to follow certain rules. I will be filing form 211 treasury OMB form to audit consumers account. Equifax, XXXX, and XXXX are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. 
Said companies have violated Privacy Act of 1974, 15 USC 6802, and 15 USC 6805.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. ()

On XX/XX/2021 a final payment for {$8600.00} was sent to the XXXX XXXX XXXX, to date the account has not been reported as paid in full. I have repeatedly asked for the title to date no title. I have made several disputes on my credit report and the account to date remains open. This account was paid in full on XX/XX/2021 it is now XX/XX/2021 and there is no update on my account.
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Coinbase, Inc. (NJ)

Re : Fraud on Debit Visa Debit Account|Case # XXXX On XX/XX/21 I received an email from coinbase stating, Action needed : your Coinbase Card is suspended. The email went on to explain that they discovered a phishing attempt from a number of fraudulent merchants. 
They noticed suspicious transactions from one or more of these merchants on my Coinbase Card and have suspended it for my safety. On XX/XX/21, I called them to inform them to cancel the card and close the account as I did not make the charges. I was informed by the VISA Card support Team phone center that I had to send an email. 

I informed them that I did not have access the the charges and they provide me with the following : Merchant name : XXXX XXXX Date/time of transaction : XXXX XXXX Transaction amount : {$48.00} Merchant name : XXXX XXXX Date/time of transaction XXXX XXXX XXXX Transaction amount : {$54.00} Since then I had made several calls and have sent several emails requesting for my funds to be credited back to my account with no resolve. I call and the VISA Card support Team phone center says they can not assist and I must correspond via email. All I receive back are changing case numbers and cryptic email messages.
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (IL)

This problem has been going on for years. I currently am trying to re-enroll in school and I continuously get messages saying that I have loans from XX/XX/XXXX that are in default but when I go to the website the loans say XXXX balance. I have recently looked into my credit and my account says that I made 3 late payments on 2 different student loans. My problem is that I was reports " Current '' XX/XX/XXXX but " 90-119 days late ' XX/XX/XXXX as well as " 120-149 days late '' XX/XX/XXXXand XX/XX/XXXX. Then, my record shows " No info '' XX/XX/XXXX- XX/XX/XXXX, 1 " current '' payment in XX/XX/XXXX and then back to " no info ''. I do not understand how I went from current to 90- 119 days late in a matter of 30 days, and how reporting just stopped. My student loan payments have never been late.
Consumer complaint received 2020-12-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I previously disputed items on my credit report that do not belong to me. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-12-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I previously disputed items on my credit report that do not belong to me. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX X 2
Consumer complaint received 2021-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to AFNI, INC. ( AT T ), but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.