davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
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. (NY)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX and hoping that this : XXXX Account Number : XXXX, XXXX  XXXX Account Number : XXXX will be corrected.
Consumer complaint received 2024-02-28
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. (NC)

I looked at my report back on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 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 And one more thing according to 15 USC 1681s-2 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. 15 U.S. Code 1681i - Procedure in case of disputed accuracy, a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. and according to 15 USC 1681s-2 they are suppose to 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 2022-06-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX Account XXXX : XXXX You are violating my rights on reporting an inaccurate report. date opened, last reported, date last active, date of last payment. DELETE THIS IMMEDIATELY AS YOU FAILED TO PERFORM AN INVESTIGATION IN THIS ACCOUNT 2. Unverified/no data information XXXX XXXX XXXX XXXX Account XXXX : XXXX Inaccurate information failure to perform an investigation per fcra regulation 3. FDCPA 1692e misleading false reporting. how can you validate/verify information from the same source but have the last reported date and date last active different at two bureaus XXXX Account Number : XXXX You are violating my rights on reporting an inaccurate report for 3 BUREAUS DATE OPENED, LAST REPORTED DATE, DATE LAST ACTIVE DATE OF LAST PAYMENT WAS REPORTING AN INACCURATE REPORT. UDATE THIS TO PAID AS AGREED IMMEDIATELY 4. Unverified/no data information XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation per fcra regulation
Consumer complaint received 2020-12-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: FIRST HERITAGE CREDIT LLC (LA)

I have a personal loan with First Heritage and I am behind on payments because of financial problems. I have spoken with the company that I will make a payment on XX/XX/XXXX-20. THE PROBLEM IS I TOLD THE COMPANY I CAN NOT RECEIVE CALLS AT MY JOB BECAUSE MY JOB DO NOT ALLOW PERSONAL CALLS AND THEY ARE STILL CALLING ME AT MY JOB AFTER I HAVE REQUESTED 4 TIMES FOR THEM NOT TO. WILL YOU PLEASE CONTACT THEM AT XXXX AT TELL THEM IT IS THE LAW THEY CAN NOT CONTINUE TO CALL ME AT MY JOB IF I TOLD THEM NOT TO OVER AND OVER AGAIN. THE ADDRESS IS FIRST HERITAGE XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, LA XXXX. THANKS, XXXX XXXX
Consumer complaint received 2019-03-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P. (MN)

I have provided proof previously stating I was exempt from LVNV Funding LLC collection and they ignored my forms and then lied claiming I didn't send them anything. After the fact the sent a summons to an old address of mine and lied stating I was served and simply didn't show. The have illegally collected exempt funds which are received from the government via school and I have proof of that. They have not told the truth in any manner and clearly lied to even garnish my exempt funds.
Consumer complaint received 2022-07-21
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. (AZ)

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-03-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (WA)

I tried to send money to bank account with XXXX ( XXXX XXXX XXXX ) and XXXX ( XXXX XXXX  XXXX ) in XXXX into my family members ' accounts via Remitly ( https : //www.remitly.com/XXXX/XXXX/XXXX ). 
Turns out, that Remitly is misleading it's customers ( potential customer in my case ) by showing on their website that they are connected to eight banks in XXXX - however my family members in XXXX confirmed and reconfirmed with all these 8 banks that none of these have anything to do with Remitly at all. 
In the past I have used other services like XXXX and XXXX to a fair bit of satisfaction and I decided to try Remitly only as this time I thought I would send money directly into bank accounts. 
It is also disturbing to find out that Remitly is working with a bank like XXXX which was fined heavily in the USA ( XXXX : XXXX ) for wrongdoings in its NY operations. 
The worst issue with all this is that my relatives were unable to locate any office or officer/representative of Remitly in XXXX who could guide or comment. 
Thank XXXX I did not already send money and later find out that it is a complete and utter scam!!
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.
Consumer complaint received 2022-07-21
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. (DE)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (VA)

I have contacted Pentagon Federal credit Union three times in an effort To eliminate the PMI on my mortgage. 
I submitted an online request XX/XX/2020. 
I wrote a letter XX/XX/2020, And my final letter was dated XX/XX/2020. 
I am attempting to ask Pentagon Federal credit Union how the PMI on my home loan can be eliminated.
Consumer complaint received 2020-12-14
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. (MI)

Years ago I had a sears credit card.Sears went out of buisness and I assumed the account was closed.The sears credit card was through citibank north america.Then, for some reason, I ended up with a shop your way card from citibank that showed up on my credit reports.I never signed up for a shop your way card through citibank nor did i ask for my sears card to transfer over to shop your way card.I never asked for a increase for credit for shop your way card or ask citibank to reopen the shop your way card when they said it was denied.Citibank needs to provide proof that i signed up for a shop your way card or asked to reopen or increase in credit.Never had a option to opt out as well.On XX/XX/XXXX at XXXX I called customer service and spoke to " XXXX  '' ( # XXXX ) and she stated she doesnt have any paper work and cant provide any paper work to me. 

card number ... XXXX member since..XX/XX/XXXX valid thru ... .XX/XX/XXXX account closed on ... .XX/XX/XXXX or XX/XX/XXXX
Consumer complaint received 2019-03-21
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: WELLS FARGO & COMPANY (CA)

In XX/XX/2010, my MC was charged {$2000.00} to a company called XXXX XXXX. I had never heard of this company or done business with them. I called Wells Fargo Credit Card Services and reported this fraud. They told me that I had done business with them and received services. I tried to contact such company but no such company existed. I asked them if they had a contact number and/or what services had I received. They couldn't tell me. At that time I was naive and believed what a big company told me even though I knew it wasn't true. 

Now that I know my rights I have tried to contact them again, including reporting them to CFPB in the past. ( Case numbers : XXXX and XXXX. ) I believe they think I am right, but are using the expired time limit as an excuse. I didn't expire the time. 
In fact, I reported the fraud the first time it appeared on my statement back in XX/XX/2010. 
This is their problem and they need to solve the problem without giving me excuses. I'm sorry it has taken so long but I shouldn't be punished for it. I won't even charge them interest on my money. 

I have been a long time member of this bank ( XXXX 's ) since I moved to XXXX. They need to find a way to resolve this. I won't give up and will go further down the line.
Consumer complaint received 2019-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (OH)

To Whom It May Concern, The reason for my dispute is ONLINE INFORMATION SERVICES # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ONLINE INFORMATION SERVICES failed to give me my " XXXX '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and XXXX under Section807 ( 1 ) ONLINE INFORMATION SERVICES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ONLINE INFORMATION SERVICES is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where ONLINE INFORMATION SERVICES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. ONLINE INFORMATION SERVICES has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

BofA submitted, to the credit bureau incorrect info. During my refi process they tried to foreclose om me and they accused me of being late, when in fact I never missed a payment. I just did not pay the new amount which was more than I could afford, thus the reason for the refi. this process took over 2 years. Everytime I called my personal point of contact they had changed that person and I had to begin the process all over again. I need resolve here. They are affecting my ability to get credit. Account number ending in XXXX
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair CreditReporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which wereopened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. Theitems listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-10
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. (TN)

The credit bureaus stated my account ( XXXX XXXX Account # XXXX ) was properly investigated but how is that when possible if the date opened is inaccurate, the date last reported is inaccurate, the comments are inaccurate. This is grounds for removal. They also violated my rights under 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions.

Also the credit bureau took more than 30 days to complete my investigation here is my certified tracking # XXXX
Consumer complaint received 2019-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

To Whom It May Concern, The reason for my dispute is XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX  failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX  is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.