davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-21
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. (NJ)

On XX/XX/2022 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response or any corrections from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation
Consumer complaint received 2022-03-21
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. (NJ)

On XX/XX/2022 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response or any corrections from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Tried to open a credit card online and a checking account put dob ssn picture of ID. capitalone said they could not verify and they could not find my application and website said they would send an email. No got any email. Sounds like a fake website trying to get your personal info and picture of I'd to steal identity or worse.
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (MI)

On XX/XX/XXXX I had a fraudulent charge on my card. I filed a dispute that was denied by Chime. I was able to file a second dispute that took up to 45 days to review, which also ended in a denial. Despite the fact that I've told them that I did not authorize this charge on my card, I was told they found nothing wrong and refuse to cover the fraudulent charge of {$110.00} to King Soopers.
Consumer complaint received 2022-03-21
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # 1234, 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. 

Fraudulent Inquiries : XXXX XXXX XXXXXXXX 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 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.
Consumer complaint received 2022-03-21
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX 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.
Consumer complaint received 2022-03-21
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: EQUIFAX, INC. (GA)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2022-12-16
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 XXXX XXXX XXXXXXXX, 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 2 also states a consumer reporting agency can not furnish an account without my written instructions. Furthermore, this account is being reported without my consent.
Consumer complaint received 2022-03-21
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: MoneyLion Inc. (FL)

On XX/XX/22 I noticed on my credit report Money Lion INC, Ive never opened an account for a partially secure loan with Money Lion. This is also a closed account reporting with a late payment date which makes no sense.
Consumer complaint received 2023-09-25
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: Experian Information Solutions Inc. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-21
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. (NC)

Experian is continuisly reporting 2 fraudulent accounts ( XXXX XXXXXXXX XXXX  and XXXX XXXX  ) which I've seen that both have terrible business practices they were removed from XXXX and XXXXThese fraudulent accounts need to be removed from my report immediately so that this doesn't have to be resolved by judicial system. These remarks on my crefit file been very damaging to my finances, character and mental.
Consumer complaint received 2022-03-21
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: EQUIFAX, INC. (NJ)

On XX/XX/2022 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response or any corrections from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation
Consumer complaint received 2022-03-21
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. ( Inquiries ) -- - 1. XXXX - XX/XX/2021 XXXX / 2. XXXX - XX/XX/2021 XXXX / 3. XXXX XXXX XXXX  XX/XX/2021 XXXX / 4. XXXX XXXX XXXX XXXX  Companies XX/XX/2021 XXXX  / 5. XXXX  XXXX  - Mortgage Loans XX/XX/2021 - TransUnion / 6. XXXX XXXX Mortgage Companies XX/XX/2021 TransUnion / 7. XXXX - Mortgage - XX/XX/2021 XXXX / 8. XXXX - Mortgage - XX/XX/2021 XXXX / 9. XXXX XXXX XXXX - Mortgage Companies XX/XX/2021 XXXX  / 10. XXXX - Mortgage - XX/XX/2021 XXXX / 11. XXXX XXXX Mortgage Companies XX/XX/2021 XXXX / 12. XXXX XXXX  Mortgage Companies XX/XX/2021 TransUnion / -- 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 an account without my written instructions
Consumer complaint received 2022-03-21
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. ( Inquiries ) -- - XXXX. XXXX - XX/XX/2021 Equifax / XXXX. XXXX - XX/XX/2021 Equifax / XXXX. XXXX XXXX XXXX  XX/XX/2021 XXXX / XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX  / XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 - XXXX / XXXX. XXXX XXXX XXXX XXXX XXXX XXXX / XXXX. XXXX - XXXX XXXX XXXX Equifax  / XXXX. XXXX - XXXX  - XX/XX/2021 Equifax / XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX  / XXXX. XXXX - XXXX XXXX XXXXXX/XX/2021 Equifax / XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2021 XXXX / XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX / -- 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 an account without my written instructions
Consumer complaint received 2022-03-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (GA)

To Whom It May Concern,
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
I am distressed that you have included the information below in my credit profile and that you have 
failed to maintain reasonable procedures in your operations to assure maximum possible accuracy 
in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100% 
accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information, therefore, needs to be re-investigatedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Account status: OPEN 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other 
instrument bearing my signature.
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely 
inaccurate and incomplete, and as such represents a very serious error in your reporting. Please 
delete this misleading information and supply a corrected credit profile to all creditors who have 
received a copy within the last six months, or the last two years for employment purposes.
Additionally, please provide the name, address, and telephone number of each credit grantor or 
other subscribers.
Under federal law, you have thirty (30) days to complete your re-investigation. Be advised that the 
description of the procedure used to determine the accuracy and completeness of the information is 
at this moment requested as well, to be provided within fifteen (15) days of the completion of your reinvestigation.
Consumer complaint received 2022-03-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

FairXXXX- $ XXXX.is the company that is stating that I owe this money and they were paid, this debt has been removed from XXXX and XXXX and XXXX need to follow site XXXX They have received numerous of letters and documents, in regard to this matter.
Consumer complaint received 2022-03-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

On XXXX XXXX, I filed a dispute with this bureau about the unverified account XXXX XXXXAccount number XXXX and XXXX  XXXX XXXXAccount number XXXX. In these 2 months I have not received a notice in 45 days and I have tried multiple attempts for verification of these unverified accounts with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Consumer complaint received 2022-03-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XXXX XXXX, I filed a dispute with this bureau about the unverified account XXXX XXXXAccount number XXXX and XXXX  XXXX XXXXAccount number XXXX. In these 2 months I have not received a notice in 45 days and I have tried multiple attempts for verification of these unverified accounts with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Consumer complaint received 2022-03-21
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  I Account # XXXX, XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX  XXXX  I Account # XXXX, XXXX  XXXX  XXXX  I Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX 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.
Consumer complaint received 2022-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

This bank bought my mortgage and has not gotten anything right since they acquired it. The bank has failed to pay my property taxes on time XXXX. Then they paid my insurance bill when the insurance bill is not part of my escrow account leaving my account under funded. The bank was supposed to stop payment on the insurance payment and pay my property taxes but neither has happened. I have called and spoke with a manager who was supposed to fix all of this but never did. And now she refuses to call me back and no other manager will speak with me. Then the bank sent me a check for an over balance which it wasnt since they never paid my property taxes so now my taxes are not paid and there is no money to pay it and they re-evaluated my account and now I will be under funded for next years property taxes now also. No one will call me back to fix any of this.
Consumer complaint received 2022-03-20
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. (WA)

I opened a car loan loan on XX/XX/2021 through XXXX XXXXXXXX XXXX XXXX, I purchased the car through a local dealership. Our loan paperwork showed our first payment was not due until XX/XX/2021 and then the XXXX from there on out. It has been current each month, the XXXX the payment was posted on XX/XX/2021, which would only make it XXXX days past due date. However, the bank is saying it was XXXX days behind which isn't accurate and I have proof. They refuse to remove the derogatory mark.
Consumer complaint received 2022-03-20
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. (WA)

I opened a car loan loan on XX/XX/2021 through XXXX XXXXXXXX XXXX XXXX, I purchased the car through a local dealership. Our loan paperwork showed our first payment was not due until XX/XX/2021 and then the XXXX from there on out. It has been current each month, the XXXX the payment was posted on XX/XX/2021, which would only make it XXXX  days past due date. However, the bank is saying it was XXXX  days behind which isn't accurate and I have proof. They refuse to remove the derogatory mark.
Consumer complaint received 2022-03-20
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I am XXXX XXXX XXXX recent widow, I applied for credit in the amount of $ XXXX. XXXX XXXX would not approve me, yet they have an account listed on my credit report that says it was still open, this should have been taken off after a bankruptcy in XXXX ( XXXX Yrs. ) ago. I have no credit cards, but pay cash for what I need. My credit reports lists me as excellent in paying on time ( I pay XXXX every month for a mortgage they say I don't have ), I have a paid receipt from the county for property taxes paid by ME on property that is valued at {$250000.00}. They say they will generally approve if you have a credit score of XXXX, my scores are XXXX. The XXXX bank say they will accept bankruptcy if is over XXXX years old, mine is XXXX years ( husband was on bankruptcy ). Debt to income should be over be under XXXX mine is under XXXX. I have paid a car lease and now buying care w/co-signer ' and have never been late on house payment nor the car lease or purchase. XXXX Bank ( also XXXX XXXX ) is the servicing bank for numerous lending institutions, when XXXX XXXX denied me credit they automatically rolled it over to all participating lenders which guaranteed me a no. Basically, I have assets over {$250000.00}, I have no outstanding credit cards, ( other than the XXXX XXXX XXXX didn't remove and is inactive ), Capital sent me a form letter that listed all their products, too many to count, that I was not entitled too. 

At XXXX XXXX XXXX there is no evidence that I will not live to repay my loan. If, unfortunately, can't pay for death or health reasons, I have a house in my name that can have a lein put on, My income is {$3300.00} a month. Other than normal living expenses my one and only obligation is the house {$780.00}. and car {$330.00}. The only thing I don't have control of is XXXX XXXX  XXXX, I am healthy, active and have all my facilities.
Consumer complaint received 2022-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-03-20
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: Conn's, Inc. (TX)

in accordance with the fair credit report act .the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX conn appliance XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. STATES I HAVE THE RIGHT FOR 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 MY WRITTEN INSTRUCTIONS.