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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing of CREDIT BUREAUS. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud Pursuant to Section 605B of Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2021 XXXX Inquiry Date XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Bread Financial Holdings, Inc. (AZ)

I have a XXXX XXXX treatment at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX by Doctor XXXX XXXX. The crown was broke on XX/XX/XXXX. I contacted the doctor but the doctor is not longer at the office and refuse to fix the crown then I contacted the XXXX  office and they charged me {$300.00} for a new XXXX. I don't think I should pay for the new crown because it's the doctor 's fault that make my XXXX XXXX only after two years. I contact the credit card company XXXX XXXX and they refuse to dispute the charge i made on XX/XX/XXXX to XXXX XXXX XXXX.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IN)

I have phoned on the XX/XX/XXXX and XX/XX/XXXX and spoken with customer service pertaining to credit score reporting to credit bureaus, it seems like, when our payments were late the credit card company XXXX would report the card late, but now the card is current, the card information has not been reported to the credit bureaus. when speaking to someone in the credit department on the XXXX they stated it would take XXXX billing cycles, but, I stated that was unacceptable and, that should not be when your company has been reporting on a regular basis. This has cause an issue on our end, because, we are trying to purchase a home, been living in a hotel over a year and been working on our credit to get things straighten out myself and my husband and now we are at a stand still, with negative remarks on our credit reports, because of this, we stated to the credit card company that the credit bureaus said they never sent anything over to them this is why no information was reported and a file number was given to my husband to given to XXXX and the customer service in that department did not even want the number, but when, told her what the representative from the credit bureau said she just stated her supervisor will take care of that. All she had to do was enter the file number into the system for the report she kept stating it will be looked into before, XX/XX/XXXX. I said that's unacceptable and, I would be calling back. 

I phoned back XXXX was the last day we spoken to the company and the issue still wasnt corrected, I was given a number to the credit department but it just ranged and, I hung up, I am doing there job, I am the customer, and this is not my responsibility but am looking for solution Sincerely Yours XXXX XXXX
Consumer complaint received 2019-03-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

I opened a account up with this company back in XXXX. I attempted to use the card the same day and had Promblem 's. So i called this company and they told me that they are no longer able to assist me and they closed my account and told me that i should get a refund within 2 weeks. Well 2 weeks came and i didn't get a check. I called them again and they told me it was sent. Well 2 more weeks came, I still haven't got anything. I was calling from XXXX to XXXX. finally XXXX came and i filed a complaint with XXXX and someone from customer support stated they would give me a call and he did and he told me he would resolve this issue. So i waited and i still haven't received anything. So i said enough is enough i will file a law suit when i get funds. I been kicked out my home due to them not sending my money that i was suppose to pay my rent with. My kids and i was homeless and i take that as discrimination and hardship and everything else. I'm not gone give up until i get my money back. this issue needs to be resolved and they need to be stopped. They are a complete scam!
Consumer complaint received 2020-01-31
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. (MD)

I have sent a certified letter to this credit bureau requesting verification of how they verified these creditors XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX   XXXX , XXXX XXXX , and XXXX XXXX . 
Additionally, please provide the name, address, and telephone number of each person contacted regarding these alleged accounts. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.
Consumer complaint received 2018-07-16
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: Experian Information Solutions Inc. (MD)

Last year ( some time in XX/XX/2017 ) my & my son 's SSI # 's were compromised when we went thru HUD to try for a home. Since that time we were given a years free reporting from the 3 agency 's. Experian has taken it upon themselves to check my credit sometimes 5 times monthly & say its not effecting my credit yet in those months it has brought my score down by at least 28 points everytime!

They also have told me I should Not pay off my credit cards on time as this hurts my credit?? The kicker was yesterday they dropped my credit score by 45 points! When I asked they said it was because I paid off my credit card too soon? What is wrong with these people? 
My son has a XXXX card, racks it up just to gets points & pays it off monthly, Nothing like this is happening to him. 
I did report this to my local Office of the Commissioner of Financial Regulation. As you will see they sent a letter stating I gave them almost unilateral permission to use my credit anyway they choose. I did not.

What I desire is for them to apologize and stop. This is messing with a ( what was a XXXX ) credit score in XX/XX/2017. 
By the way, I have called them, I have tried filing disputes, and now this is what happens. 
Sadly if the other two follow suit this will really hurt my credit There are two more pages ( I do hope the other 's made it to you ) That just won't copy. They are from XXXX XXXX @ Division of Financial Regulation XXXX Md. Re : # XXXX. I hope you can get the information from that office
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

recently I di an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items tht your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-11-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the XXXX XXXX XXXX XXXX seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under XXXX XXXX code XXXX and XXXX XXXX code XXXX ( b ) ( XXXX ). 
I am aware that they each have XXXX days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions XXXX regulation ( XXXX ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Consumer complaint received 2019-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BBVA FINANCIAL CORPORATION (TX)

BBVA Compass has gone above and beyond to ensure that they have caused fraud in every single way possible. First of all their bank opened two checking accounts in my name which I did not approve nor accept, Secondly after these were opened they opened 3 Fraudulent credit cards. I then get a call which I didn't answer, I go up to their branch to see what this is about and they rudely tell me Enterprise " Fraud Management '' XXXX to be specific has decided to end " My Banking Relationship '' This is after I chose not to provide them with my identification, nor with my SS Card like they asked AFTER THEY APPROVED THE FRAUDULENT CARD. Not only were their fraudulent charges on the fraudulent cards. I finally asked someone about these cards they told me there was a block and they couldn't issue me any cards nor tell me much about them until I sent my identification in. Well of Course CARD Fraud Department was super rude, the lady told me I needed to send this in order they would be blocked, She wouldn't send me a letter requesting what information they wanted of course. Instead she sent a threatening letter explaining they viewed a credit report, Which again wasn't listed that they determined to closed the blocked fraudulent cards. Now to me, another thing I found out is they are letting a XXXX  which I have never been associated with FRAUDULENTLY CHARGE THE FRAUDULENT Checking accounts and attempting to say I owe it. I do not own those accounts, and I do not owe the accounts. I will not be paying their credit cards because I did not authorize them. I was this bank investigated for their practices and the way they fraudulent charge customers, the way they allow fraud to continue and instead of assisting the customer forcibly don't assist the customer. They attempt to blame the customer and are very very very rude customer service. I have never experienced that rude of service in my life.
Consumer complaint received 2018-04-23
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. (KS)

XXXX XXXX XXXX ( XXXX ) is reporting on my credit file and is a fraudulent account. I have notified Experian and XXXX  on multiple occasions however the account still appears. I have also submitted an FTC report in regards to the fraudulent information. 

In addition Experian is reporting a XXXX  ( opened XX/XX/2013 ) account that is as an result of fraud and has been provided proper documentation to remove.
Consumer complaint received 2024-02-29
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXXXXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2019-03-22
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERIS BANCORP (FL)

We received a pre approval letter with Ameris Bank in XX/XX/XXXX for a loan amount of XXXX to build a single family home and a pool on a lot in XXXX XXXX that we own outright. Our loan rep stated that the next step we needed to take was to obtain a signed builders contract and a signed pool contract which was needed to move forward. We did that and in order to obtain a builders contract, the builder wanted a 10 % downpayment which we gave. We waited for weeks for our loan rep to schedule a closing and in the meantime the builder began lot clearing and pouring of the home slab using the funds from our down payment. After submitting all types of documents that our loan rep requested we were then told out of the blue they made an oversight and missed something and could not fund our loan. We were then told in XXXX to wait until XX/XX/XXXX and they would have a program for us to be able to obtain a loan. In XXXX I reached back out and got several run arounds and was told due to our credit decrease they could not help us. The reason for the credit decrease was due to several credit pulls by Ameris that should have never happened and I explained that to my loan rep which she wanted proof which I provided all the inquires and after more run arounds was told they cant fund our loan. Ameris Bank openly admitted to making a oversight causing us to not get the loan and then requesting a signed builders contract knowing we would have to put money down to know they wouldnt fund us is very unprofessional. Now I have legal issues with the home builder and pool builder as we have signed contracts with them not to mention we now have to build our credit back up due to all the inquiries dinging our credit reports. Our loan rep stated in the first conversation that this loan request is a no brainer and would entertain this most certainly seeing we own the lot outright and will have instant equity.
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Advanced Resolution Services Inc. (NY)

Dear CFPB - 3 Companies involved! 


1 XXXX 2 XXXX 3 Advanced Resolution Services ( ARS ) I applied for a Credit Card that was branded by XXXX. They said the card was largely issued by XXXX. They said ARS was the credit bureau that was involved. 

They failed to provide my ARS report. 


- They also failed to provide a proper phone # for ARS. The # that was provided had a serious problem. 

- The last 3 digits of that # were the short code for dialing a swat team in an emergency! 

- If people were to use that number - in some cases - it would accidentally call the police! It would accidentally start a false emergency alarm. 

- It would accidentally lead to SWAT Teams being deployed! 


- A lot of safety problems with that! 

- I consent to writing about this problem. U can use my real name - XXXX XXXX - or u can use a code name - or u can use no name & just keep it anonymous. I consent to any 1 of those. 

Please send reply to my paper mail address! 

- XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2021-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

I did not give consent or authorization of any kind to this company to have my information or come after me for an alleged debt ( identity theft ). I did not give consent for this company to contact me in any way, shape or form. In XX/XX/2021 I was contacted through the XXXX postal service that I owe them an alleged debt ( this is also postal fraud ). On XX/XX/2021 I sent a letter to them letting them know the fraud that has been committed by them in my name and I have yet to hear back from them. I have been paying my them and never entered into a contract with them.
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The following inquiries were not authorized. I applied for 2 vehicles and the 2 banks that I gave my personal information to, forwarded my personal information to other banks without my consent. Since that time, my credit report has been run numerous times without my permission. And in cases where I did give permission, they ran it repeatedly without my permission. These false inquiries need to be removed from my credit report. They are all listed below : INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX   XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX  XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX  INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX O INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX/XXXX XXXX XXXX XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX/XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX/XXXX XXXX
Consumer complaint received 2018-04-21
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. (OH)

On several occasions in XXXXand as recent as recent as XX/XX/XXXX I contacted Experian to dispute bankruptcy and requested them to provide where they're verifying said bankruptcy or delete because their source isn't reporting a bankruptcy. I was told they got their information from XXXX. I contacted XXXX on two occasions to verify said bankruptcy. Most recently, XX/XX/XXXX I received a copy of my XXXX report once again. Experian maintains they're verifying and validating the bankruptcy they're reporting from XXXX. I received 3 reports that stated this from Experian. My XXXX report does not have the Bankruptcy I disputed as well as sent a letter of validation, verify or delete to Experian about. I'm confused, how can Experian say they've verified information with XXXX that is not at all on XXXX to begin with? I would like this public record of Bankruptcy removed from my report immediately. I was lied to, and it is a violation of my FCRA rights for inaccurate information to be on my credit report.
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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OH)

On XX/XX/XXXX my card was fraudulently used at a XXXX. I called Citibank and reported the fraud. 

They mistakenly reversed all of my transactions from XX/XX/XXXX. 

However, when they corrected their mistake, they double billed me for the reversed items. For example : {$10.00} Charge 1 ( {$10.00} ) Reversal of Charge 1 {$10.00} Charge 1 {$10.00} Charge 1 So, instead of owing ( correctly ) {$10.00}, I now owe {$20.00}. I have sent screenshots of my statements showing this, but they insist they are correct.
Consumer complaint received 2019-03-21
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. (PA)

i sent a letter to XXXX/XXXX XXXX XXXX dated XX/XX/2018 they never responded so i done more and more research how to go about information being reported incorrectly. They are saying i have a account in collections. This is false i've sent them multiple letters no response.