davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
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. (PA)

XXXX XXXX on account numbers # XXXX, XXXX and XXXX have responded in sync with Experian stating that they investigated my last CFPB complaint and found all reporting to be accurate. The findings were false and clearly not even accurately looked into. It seems to be that both companies simply just stated all was correct to advoid actually looking into and addressing the incorrect reporting. 

A simple example of this is attached here to with the photo of my Credit report showing the automotive credit tradeline. As you can see the status and balance were updated XXXX of XXXX, however when looking at the month of XXXX its stating that the payment was 60 days late.. how can some thing updated in XXXX say that the month of XXXX is 60 days late? In fact it was not late in fact none of the payments have been late. Furthermore we are in XXXX and they havent reported for XXXX, XXXX, XXXX or XXXX despite payments now being made for all months though XXXX, cause we are actually paid ahead and in no way late ever on these accounts. 

XXXX XXXX and Experian have been Falsely and fraudulently reporting incorrectly and causing me harm to my credit profile and borrowing ability cause of their total neglect for accuracy
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX on account numbers # XXXX, XXXX and XXXX have responded in sync with XXXX stating that they investigated my last CFPB complaint and found all reporting to be accurate. The findings were false and clearly not even accurately looked into. It seems to be that both companies simply just stated all was correct to advoid actually looking into and addressing the incorrect reporting. 

A simple example of this is attached here to with the photo of my Credit report showing the automotive credit tradeline. As you can see the status and balance were updated XXXX of XXXX, however when looking at the month of XXXX its stating that the payment was 60 days late.. how can some thing updated in XXXX say that the month of XXXX is 60 days late? In fact it was not late in fact none of the payments have been late. Furthermore we are in XXXX and they havent reported for XXXX, XXXX, XXXX or XXXX despite payments now being made for all months though XXXX, cause we are actually paid ahead and in no way late ever on these accounts. 

XXXX XXXX and XXXX have been Falsely and fraudulently reporting incorrectly and causing me harm to my credit profile and borrowing ability cause of their total neglect for accuracy
Consumer complaint received 2022-04-15
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

XXXX XXXXXXXX sent me a text that my card had been used in the middle of the night. I woke up and contacted them to let them know it was not me. I asked them to close my card. I paid off the XXXX dollars I had on the card. However a year later they sent me an email saying I had a balance. I called and talked to a man who said my card had not been closed but that he did see I requested it to be. He said it would be resolved however its been 23 months and they are not going to fix it. Prior to this fraud and request to close my account I paid my balance off monthly which shows I would not just let it go unpaid if it were me. They did not close an account after I reported fraud and requested it be closed.
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Companys refuse to remove from credit reports sent multiple reports XX/XX/2020, XX/XX/2020, XX/XX/2020 all with attached police report letting them know this account is not mine and was open due to identity theft.
Consumer complaint received 2022-05-04
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: EQUIFAX, INC. (GA)

To whom it may concern, I have obtained my credit report and notice that there is unauthorized information in my name being used on my consumer reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my consumer reports. I believe I may be a victim of identity theft. I have a security lock on my consumer report, and I was not alerted to this information being authorized on my reports and I am demanding that they be deleted/removed from my consumer report as soon as possible. These items are fraudulent, and they have negatively impacted my relationships with creditors and caused mental anxiety. I reached out to XXXX, XXXX, & Equifax about these matters on numerous occasions requesting TO SEND ME EVERY DOCUMENT PERTAINING TO THESE ENTRY THAT YOUR AGENCY USED TO VALIDATE THIS DEBT. The only response I have receive from these agencies is this debt has been validated or verified and will remain on your consumer report with no documents or proof provided. Please investigate these matters and remove/delete the disputed items, as soon as possible Thank you. according to my federally protected consumer rights under the Fair Debt Collection Practices Act and Federal Credit Reporting Act below is a list of laws that have been violated. 15 usc 1681 c 2. 15 usc 1681 b ( a ) ( 2 ). 15 usc 1681 a ( k ) asa ( iii ). 15 usc 1681 ( a ) ( 4 ). 15 usc 1692 d ( 1 ). 15 USC 6802 ( b ) ( 1 ).
Consumer complaint received 2022-05-04
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. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.
Consumer complaint received 2022-03-22
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. (SC)

On XX/XX/2022 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 2020-02-25
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. (FL)

On XX/XX/2020 I submitted a 609 letter the the 3 main credit bureaus ( Experian, XXXX & XXXX ) and didn't not receive an reply. Its been over 30 days and still haven't received anything nor got any updates.
Consumer complaint received 2017-09-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

Two hard inquiries are showing on my TransUnion report that were not initiated or authorized by me. Both were submitted on XX/XX/XXXX from XXXX XXXX XXXX XXXX. Using the contact information provided by the XXXX XXXX I contacted the company at XXXX on XX/XX/XXXX. I was put through to the XXXX credit card department. I told them what was going on, they immediately put me through to their fraud department. Their fraud department looked high and low for any credit checks they would have made using my name and SSN number and were not able to find any such instances so were unable to remove the information or provide documentation to remove the inquiries from my report, they suggested I call TransUnion. I called them on XX/XX/XXXX, they told me I need to get a letter from the credit card company to have the inquiries removed, there were several other steps involved. They gave me the same phone number that XXXX provided. I called the credit card company back that same day, again put through to the fraud department and spent almost an hour on the phone while they searched for any applications that may have been submitted with my information. They found nothing and informed me that they do not even report to TransUnion, they report to XXXX. In closing, they could n't provide documentation to have the inquiries removed because there were no inquiries to be found. I have not called TransUnion back since it was such a hassle to even get through to anyone and the person I spoke to during my initial call made it pretty clear they would n't do anything without a letter from the credit card company. I have no idea where to go from here to get the inquiries cleared and I certainly do n't want them hanging out on my credit report for the next two years.
Consumer complaint received 2017-09-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX, I bought a {$44.00} of light coin on Coin base.com. On XX/XX/XXXX, I sent the amount to my XXXX address : XXXX. It asked me to claim it by clicking on the link in the email. I did just that. The amount disappeared in my Coinbase account but did not show up any where in my XXXX account. I do n't know where the money went. I repeatedly contacted Coinbase thru email to inquire how I could find where my money went. They never responded to my inquiry. I m filing this complaint because i like to recover my money and find out where i can find it again.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The Credit Bureaus stated my account was properly investigated numerous times, but how is that possible when if the open dates are inaccurate, the dates last active are inaccurate and the date last reported is also inaccurate across all 3 reporting credit agencies. This Is Grounds For Removal In accordance with the Fair Credit Reporting Act, Transunion, XXXX, & XXXX Has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

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 These Addresses do not belong on my report : XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX  XXXX, Ga XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX These employers do not belong on my report : XXXX XXXX XXXX XXXX XXXX XXXX contracting These inaccurate Date of Birth do not belong on my Report : XXXX XX/XX/XXXX And I will attach photos from my credit report circling ALL ACCOUNTS AND INACCURACIES AND VIOLATION that are being reported on my credit report.
Consumer complaint received 2019-08-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo staff Ms. XXXX, Mr. XXXX, XXXX XXXX, XXXX XXXX and their XXXX XXXX XXXX, and XXXX  XXXX XXXX. Involved themselves in several incidents of fraud by deception. I have recordings and provided the attached documentation to Mr. XXXX prior to going to court. Mr. XXXX upheld the docs at the termination hearing. However, Mr. XXXX wasn't informed of what type of home I owned. Therefore t made me quite suspicious that he was stating before the court asking for early termination of loss mitigation? However, he was aware of what type of home I owned. 

Please see the attached correspondence for the explaination.
Consumer complaint received 2017-09-05
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: SYNCHRONY FINANCIAL (FL)

Well problem is after all the return I expected to see a XXXX ' balances but I still had a balance so it was XXXX when I called XXXX XXXX which is my XXXX credit card store right now is XXXX and I just hung up the phone on the represanative There is no purchase protection this bank are cheap sluppy disorganized During the 2 hour I waisted on the phone I have been transferred to 8 different rep and keep tossing like a basketball between different departments and no one knows what 's going on then after all this time the repressnetive instead of choose the short way and just dispute she decided to call the merchant after 3 months?????
Consumer complaint received 2022-02-26
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. (CA)

My Credit Card Account XXXX XXXX XXXX XXXX XXXX ) was sent to the credit bureaus as a XXXX late in XX/XX/2022 which took my score down XXXX points with Experian. 
I was issued two cards one with a $ XXXX limit and the other $ XXXX limit. One of the cards was compromised and a new one needed to be issued. After receiving the new card, it was not automatically set up on auto payment as the one it was replacing. Unbeknown to me their new website would not roll over the same auto payment information from the previous card or let a member set up auto payment anymore. Therefore, I called to get it all straighten out. I spoke to a person that told me the best thing to do was to combine the two cards that way it would only be one card. So of course, I agreed, then come to find out they kept the card that had previously been reported 30 days late. For some reason they are the only ones that can process automatic payments on their side. I disagree to have a XXXX late reported on my credit reports, due to it was not my fault they upgraded their system and without my knowledge my cards were no longer on auto pay.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying the reporting agency is right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me. I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can not provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST NATIONAL BANK OF OMAHA (MD)

First National Bank of Omaha has illegally pulled my credit. They stated they receive on a monthly basis an update of my consumer file. I have NEVER consented to such thing. 
First National Bank of Omaha pulled my credit without my authorization. And made an adverse action against me. I did not give XXXX nor any of its agent 's permission to furnish a copy of my credit file on XX/XX/2022. XXXX has used the information illegally obtained on XX/XX/2022, and decreased my revolving credit limit. Not only was this credit pull unauthorized, but it was a violation several FRCA laws. You've stated the reporting agency played no part in our decision, yet you did a soft pull on my credit report and used to information provided as a reason to decrease my credit limit. Your policies do not override the law. You MUST get written or oral permission from the consumer who's information who you wish to obtain before you pull a credit report. Also said collections account being reported is a result of identity theft. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). XXXX has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 4. 15 U.S. Code 1681B ( a ) ( 2 ) Since the letter you sent me dated March 19, 2022, is both a proof and evidence that I have been discriminated against, you are also criminally liable. XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Attached to this initial attempt to rectify, is an proof of violation and invoice to collect actual damages for said violations.
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (CA)

In XXXX XXXX XXXX we switched banks from XXXX XXXX  to XXXX XXXX. Target card was set on autopay on XXXX XXXX and when the payment was processed it did not go through they contacted us and we updated it in their system and setup autopay coming out of XXXX. 

4 months later I received an alert from my credit monitoring system saying target had submitted a 30 day late to the bureau. I contacted Target and paid the amount in full and asked why autopay was not setup and they were going to fix it and submit for review to remove from bureau. 

30 days later we have no resolution. They are saying that they send our statements that show when a payment is due which I understand but they never attempted via email, phone or mail to let me know that any payment was past due. I have had that account for years and I had perfect credit I always pay my bills and have never once had a late payment with any provider. 

They said that they should send out notification the day after a payment is not posted on the due date to let you know that a payment is due and this NEVER happened. From XXXX on we have never received notification of late payment and are disputing their practices. They have been rude and hung up on us multiple times during the review process.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion illegally re-aged XXXX XXXX XXXX sent Transunion a Section 609 Dispute Letter, and it was ignored by Transunion, they deleted the account from my credit report last year, and re inserted again this year this time they deleted dates of first delinquency illegally restarting the time limit on the debt ..this is illegal
Consumer complaint received 2022-05-04
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. (NY)

These inquiries are FRAUDULENT! I respectfully request to be provided proof of these alleged items, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate, and as such represents a very serious error in your reporting. Ive also filed a police report and attached a FTC report as i have no idea where these inquiries came from. The FCRA also states any fraudulent information being reported on any individuals credit report must be deleted expeditiously. Please respect my wishes as Im a victim. Thank you.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

Hi Experian said I am not allowed to dispute an address on my credit report because it was reported by XXXX XXXX and I need to go through them. I reported it to XXXX and they said that address doesn't appear on my account and they verified my address as XXXX XXXX XXXXXXXX XXXX Indiana XXXX. Yet XXXX XXXX XXXX XXXX Indiana XXXX still appears in my personal information on my credit report. I do not want this address or the people who reside there associated with me at all. This is/was my husband 's ( now ex-husband ) XXXX XXXX  address. I can see how it became associated with me because he was living there and had to change his address to there for his bills when we were still married. However, we are no longer married and there is no reason for that address to show up on anything of mine. She has very bad financial history with bankruptcies and bad credit, and I simply do not want anything about her appearing on my credit report.
Consumer complaint received 2023-07-21
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. (GA)

On XX/XX/2023 at XXXX eastern time, I obtained my most recent credit report from all ( 3 ) credit bureaus whereas this account appears that I have no knowledge when or where this account was originated.