davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

During several dates, I have sent certified mail to the credit bureaus asking them to verify the inaccuracies of the information on the bankruptcy they are reporting. On my report, it lists the liabilities and assets being {$0.00}. This is not accurate and you can see this highlighted on the report attached. On several dates, I received the response from the bureau stating they verified the information. I then sent a letter to the XXXX County Court Clerk 's office asking if they verified the information to the bureaus. They sent me a letter stating that they do not provide information to the bureaus. The XXXX creditor was sent a letter for verification and validation and they have not responded to my request and have exceeded the mandatory 30 day time limit. XXXX XXXX was also contacted and has not sent verification. 

My complaint is this, I challenged the Items based upon the inaccurate reporting of the {$0.00} assets and {$0.00} Liabilities on my report for the BK. Pertaining to the XXXX account, they have not responded to certified mail and confirmed verification and validation of their inaccurate reporting. The XXXX XXXX account jumps instantly into 60 day late reporting mark but does not say a 30 day period was breached. I have also added proof that these bureaus are not doing a true verification and supplying relevant proof while not flippantly dismissing the FCRA mandated rules. The bureaus also refuse to provide and form of evidence there for proving their verification. The Bureaus claimed that they had verified the information, when clearly they could not have for two reasons for the BK, 1 ) it is impossible to have a bankruptcy and  have {$0.00} liabilities and {$0.00} assets reported 2 ) the bureaus claimed they verified the information, yet the source of the information sent me a letter that they do not verify information with the courts. Also, I put a Freeze on my XXXX XXXX report yet they used that agency ( NO third party can verify per FCRA ) as a third party. 

This leads me to conclude that the credit bureaus never conducted a reasonable investigation on this inaccurate information for the BK. For the Rise account they have not responded to my request for validation and verification and time has lapsed past 30 days. 

In my certified mail I also requested they remove any inquiries that are not currently associated to any account. The credit bureaus also said they verified the information but can't provide any proof. If they do have proof they have not provided that to me after many requests. 

I would like to have this inaccurate records removed from my credit report as it is reporting inaccurately and incomplete on my report.
Consumer complaint received 2022-07-17
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. (SC)

These companies unfairly and illegally place incorrect items below on my credit report. 
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
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

After resolving an issue with XXXX involving the abuse of a POA, XXXX and myself reached a resolution which involved me paying a portion of the account and removing the tradeline completely or reporting the tradeline as PIF with no derogatory remarks. However, after receiving the payment which I only made to remove ALL negative remarks, due to me proving XXXX was partially responsible for the vehicle being unlawfully possessed, XXXX instead updated the report to indicate " Settled for less, $ $ written off '', which is STILL a negative derogatory remark that indicates the account was not in a satisfactory condition. This has continued to prevent me from XXXX  or progressing due to the account still negatively impacting my security clearance.
Consumer complaint received 2022-08-28
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 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 2023-07-18
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. (NY)

In accordance with the Fair Credit Reporting act 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 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 2019-09-17
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: BB&T CORPORATION (FL)

FRAUD ALERT! Credit Inquiry Removal/DELETE Request I recently reviewed my credit report and found unauthorized inquiries.

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : BB & T XX/XX/1919 and XXXX XXXX XX/XX/1919 19
Consumer complaint received 2021-11-30
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. (LA)

High balance of XXXX but the balance owed is XXXX The term length is different on all three bureaus On Experian it shows that the high balance is XXXX, the date of last activity is all different .Its stating on Experian the merchandise was taken back by XXXX XXXX, XXXX saying its a charge off as a bad debt, Experian is just saying charged off account, the date opened is different with all three bureaus.These are inconsistent and inaccurate information being reported and I would like this to be deleted off of my credit file
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (VA)

After resolving an issue with Honda involving the abuse of a POA, HONDA and myself reached a resolution which involved me paying a portion of the account and removing the tradeline completely or reporting the tradeline as PIF with no derogatory remarks. However, after receiving the payment which I only made to remove ALL negative remarks, due to me proving Honda was partially responsible for the vehicle being unlawfully possessed, HONDA instead updated the report to indicate " Settled for less, $ $ written off '', which is STILL a negative derogatory remark that indicates the account was not in a satisfactory condition. This has continued to prevent me from XXXX or progressing due to the account still negatively impacting my security clearance.
Consumer complaint received 2018-09-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (NJ)

Expiration Date :XX/XX/XXXX {$70.00} Contact # XXXX   Called the company two times spoke to XXXX & XXXX on XX/XX/18 between XXXX - XXXX regards to reissuing this prepaid cards due to its expiration.

Both representatives rejected my request due to their policy which I believe goes against the Federal law.
Consumer complaint received 2021-08-18
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: ACIMA CREDIT, LLC (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2020-09-24
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: OneMain Finance Corporation (TX)

On XX/XX/2020 I settled with One Main FinanceXXXX XXXX XXXX collection agency for 3 payments of {$1500.00}. I made my first payment on XX/XX/2020. The amount of my payment was reported to all 3 credit bureaus XXXX XXXX XXXX  and XXXX. On XX/XX/2020 XXXX XXXX updated my payment and the balance went from {$5400.00} to {$4600.00} which helped my credit score. The other two reporting agencies XXXX  and XXXX  then followed reporting correct information. I am in the middle of purchasing a home and on XX/XX/XXXX my credit score was effected due to a major change on my XXXX XXXX score Im this date they reported my One Main account that I just settled with back to {$5400.00} so this showed that the balance increased when it did not! I contacted XXXX XXXX and One Main Financial. One Main financial advises they reported the correct information and that XXXX XXXX made a mistake. XXXX XXXX has now updated the correct balance today as of XX/XX/2020 and now my credit score has dropped 31 points and 44 points on my mortgage score and now I can not close on my house!!!!!!!!!! If this was never reported incorrect on XXXX XXXX my scores would of not been effected!!!!!
Consumer complaint received 2022-08-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America again locked my company account for XXXXXXXX XXXX transaction for gas. This is the 4th time in two months. I have called the bank each time and yelled at them. They are not doing this to protect me, they are doing this to protect themselves. This time they blocked the card XXXX XXXXXXXX in the morning. I have now had to have to accounts for my business, just in case the card doesnt work. Further causing me issues with Taxes. This company promised me they would never block the card again, but they did. They now need to be penalized for this activity, and cost to the customers, for your security policy.
Consumer complaint received 2019-05-06
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (NY)

Dear District Attorney and to whom it may concern, aside from my utter disappointment with Wells Fargo and their unwillingness to assume any responsibility for a highly destructive loan product, once called a XXXX XXXX, is unfathomable! It is inconceivable that this financial institution be allowed to continue to operate under the guise of integrity. Case in point is Wells Fargos dismissive accountability for the loans and decisions that theyve made and continue to make today. Ive asked Wells Fargo repeatedly to investigate a 2010 loan modification that was offered, of which I had no choice but to decline at the time, as the modification only placed past due payments onto the back of loan leaving all the same destructive amortization terms and conditions in place. Due my financial hardship at the time and the fact that acceptance of said modification stipulated that I waived any and all rights legal rights or actions. 
My compliant lies squarely with Wells Fargos as they keep insisting that placing past due payments on the back of the same toxic loan is somehow an acceptable modification that was going to miraculously keep me current on said loan for the foreseeable future.This tells me that Wells Fargo hasnt bothered to go back and review my 2010 finical hardship documentation and come clean with the fact that I was offered a self-destructive modification product that due to my then finical situation would have left me not only with a defaulted modification, but with no legal right to stay in my home. 
It is at this time that I seek out the assistance of the District Attorney of Florida and request a full investigation into the how Wells Fargo is conducting their reviews of complaints being submitted as I have done my homework and have all modification application documentation that proves that the 2010 modification was unjust and set up to fail and anything other than that finding is an attempt by wells Fargo to check a box and claim compliance.

Wells Fargos continued omission of responsibility as it regards to their sins of the past has cost me and my family a decade of pain and suffering, one that I will never forget or stop fighting as I seek out an amicable and final resolve. Ii is my intention to continue my pursuit of unjust and unfair conduct on the part of Wells Fargo until theres someone who takes my compliant seriously and is competent enough to explain in detail why my financial hardship application with all financial facts did not offer a modification that did more than just place past due payments to the back of the same destructive loan? If Wells Fargo is unable to justify and support the then modification then how is it that they are able to continuously claim that I was offered a sound and sustainable modification that I simply denied?
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Consumer complaint received 2022-08-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax has reported incorrect information to my credit file and refuses unlawfully to remove it. XXXX XXXX credit card services incorrectly charged me a late fee and added missed payment to my file. on XX/XX/2022 XXXX XXXX caught mistake and issued XXXX late payment reversal credit to my account ending in XXXX, also removed late payment from file. After reporting this to EQUIFAX and providing proof they still have refused removal.
Consumer complaint received 2023-07-18
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. (CA)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (NY)

i Was trying to Apply with a Credit Card With Apple with a bank Name goldman sachs bank usa and They Denied My Application and i dont have bad Credit History and my Score Is Good and they shouldve have not denied my Application for Finance i want this hard Inquiry to be remove from my report please thank you my social security : XXXX date of birth : XXXX
Consumer complaint received 2022-08-28
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)

back in 2017 Equifax had a data breached which caused my personal private information to be leaked. Due to this discrepancy, someone has opened a lease on an apartment which I have never been associated with or lived in. This is a cause of identity theft. 

The current balance is {$5500.00} and the original balance was {$5900.00}. 

Please rectify and delete this fraudulent information from my consumer report.
Consumer complaint received 2019-07-16
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)

XXXX XXXX The company was XXXX and reported late and I was never late. Company reports the wrong amount and based it on biweekly payment. I was never late on this account XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX, XXXX, Experian XXXX XXXX balance XXXX is not my account but on my credit ( XXXX, XXXX, Experian will not remove and XXXX will not answer my calls ) XXXX  XXXX  XXXX reported on XXXX  not my account XXXX XXXX XXXX  {$990.00} Reported on XXXX, XXXX, Experian not my account and was not removed XXXX  XXXX  Last reported XX/XX/XXXX {$0.00} Reported balance on XXXX  & Experian and was not removed XXXX  collection account doesnt belong to me and was not removed. 
Indiana XXXX XXXX XXXX Opened XX/XX/XXXX {$950.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX  Last reported XX/XX/XXXX {$510.00} Reported balance on XXXX  and Experian not my account Experian collection account reported on my report that does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX  XXXX XXXX Account # XXXX closed account reporting on my Experian report that will not be removed it doesnt belong to me ( XXXX  XXXX  inquires that are not mine contacted XXXX  and creditor to remove but no help XXXX XXXXXXXX XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  - XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  inquires not from me. I have reported by XXXX  has not removed XXXX XXXX from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX  XXXX/XXXX  XXXX  XXXX   Inquiry from XX/XX/XXXX XXXX  XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  Experian inquires that do not belong to me XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion had multiple errors where all my credit inquiries were removed and they reappeared. I stated to them i was a victim of inquiries and they should be removed. They keep responding that after the dispute that it stands which is incorrect. Not once they did this to my credit report but twice. And they dont have an explanation for that reason
Consumer complaint received 2022-08-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

It has ben XXXX months now that I have tried to fix my credit and these the credit bureaus have not helped much! In fact they have ben violating my rights under the FCRA! Below I attached all my attempts to fix this issue through letters! I am desperate to get credit lines so I can pass by these hard times! I am seeking help from the CFPB because I dont know what els to do! 

Please help!