davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

Ive tried to get in touch with XXXX Equifax and XXXX Theres been a issue getting my credit report and FILE. My consumer rights are to have full access to reports and FILE. As well as I advise them of my rights pre accounts sent in on FTC form as well as complaint numbers to ftc. Still advise me that accounts were either verified or to follow up with creditors per consumer right Im the only consumer can verify and account to me mind,, creditor reporting non factual information to tarnish my reputation and worthiness or credit is against the law without my consent it is Also identity theft. As well as all accounts thats reporting late payment like XXXX acceptanceReporting late payment are not fact per law 15 Usc 1666 b as well 15 usc 1681b ( 2 ) also if theres a finance charge included per law 15 usc 1605 A shouldnt be any late payments the sum of all charges so consumer cant be penalized me for something payed in full also 15 usc 1681e b which is requiring maximum possible accuracy which is not whats being reports on several accounts. Serval closed accounts and derogatory I asked to be removed because these accounts broke several laws cause me pain and suffering i And bad reputation due to they determined me per CRAS UN WORTH FOR CREDIT DUE TO THE non factual THESE CRA USing there platforms to ruin my reputation which they are breaking the law as well as creditors reporting these things without consent. They have not took my disputes serious neither have the too proper time to provide audit trail Ive been requesting CRAS KEEP USING LAWS THAT WAS MADE TO PROTECT ME AND MY FAIRNESS AGAIST ME AS A STALL TACTIC I WANT MY RIGHTS TAKING SERIOUS AND NOTHING LESS IM FED UP WITH CRAS AND CREDITORS USING THERE PLATFORMS TO SABOTAGE ME WITHOUT CONSENT AND FAIRNESS. Stop breaking law n helping other in unfair practices.
Consumer complaint received 2022-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deepl

y affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2024-02-07
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. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (GA)

Comenity Bank is reporting a late payment on my credit report on an XXXX and XXXX XXXX XXXX store card that were both closed back in 2018. Those accounts were never late.
Consumer complaint received 2018-04-21
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: Eastern Account Systems of Connecticut, Inc. (NY)

Please be advised this is my 2nd written request to the credit bureau and reporting agencies and the unverified items remain my credit report violation of federal law. It is understood that under the FCRA They are required to have a copy of the original creditors documentation on file to verify the information is correct and is mine as results to the 1st investigation they stated in writing that they verified these items being reported correctly When I inquired who verified these accounts or how they were verified I was met with extreme condensation and attempts at intimidation The investigation took longer than allowed they have not provided me with a copy any original documentation, signature, or contract nor any results of the second investigation supposedly conducted required under section 609A1A and section 611 5A of the FCRA which requires them to promptly delete all information which can not be verified. now the laws very clear on the civil liability and the remedy available to me for negligent noncompliance also in section 617 if they fail to comply With the statute therein. In attempts to verify some incomplete and inaccurate data on my files they have manipulated my information to match these accounts which I was a direct witness to in and in reply they said they were just doing their job which was quite disconcerting to me knowing that this data is inaccurate and has been proven thus forth.
Consumer complaint received 2018-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/18 at XXXX XXXX I deposited {$800.00} cash into a Chase ATM Instead of the cash being deposited into my account the ATM said We Hit A Snag, To be sure your deposit went through please visit one of our branches or call us at XXXX. XXXX. I called the number and they told me that they would have to investigate and would give me a temporary credit for that amount ( which they did ). However almost a month later, the matter has still not been resolved when I call back they tell me that the credit is still temporary I have also emailed asking how long until this investigation lasts and have received no answer on that time frame.
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (WA)

To whom it may concern, I have two credit card accounts with financial services ; destiny & indigo, run by the same company. They recently did an update online and you can not select the box to finalize the payment. It has been weeks now. Every time I call, ranging through different hours of the day, the line prompts you that they have a higher than normal call volume and to call again later. How can I even make my payment if I can't do it online or with an agent. I've tried multiple numbers all resulting in the same busy prompt. Any help would be greatly appreciated. 

Warm regards, XXXX XXXX
Consumer complaint received 2022-03-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MI)

On XX/XX//2022 I received a casino payout in the amount of {$3600.00} to my PayPal account. Seconds later PayPal closed the account, and is holding these funds ( in case of a dispute made on the transaction. ) this was in a purchase made it is a payout it can not be disputed. I have never had disputes in this account. I have used it for months for the exact same reasons. PayPal customer service rep told me they can not hold this money. When I called back to see why it hasnt been released yet another rep told me I was misinformed by the first rep and the date of release if they allow it is XX/XX/2022. I have offered to have the casino call them they told me this wouldnt help.
Consumer complaint received 2022-07-24
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. (NY)

I sent letters off on XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-03-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your company.
Consumer complaint received 2022-06-15
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  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 an account without my written instructions
Consumer complaint received 2020-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (DC)

We moved into XXXX XXXX XXXX in XX/XX/XXXX. We signed an 11 month lease our lease should have ended in XX/XX/XXXX. There was confusion about when our lease started because I had to signed several different leases before moving in. 

XXXX XXXX was the property manager at the time and he did not take any accountability for the confusion or lack of notification. He insisted that i move out XX/XX/XXXX and my 'notice to vacate ' be handed in XX/XX/XXXX. I did not receive any written notice so I handed in my notice to vacate XX/XX/XXXX which should have been sufficient according to the last lease I signed. Due to this, XXXX XXXX said that I would be subject to a 40 % rent increase from XX/XX/XXXX to XX/XX/XXXX. This put our last bill approximately {$4000.00}. 

My roommates and I paid this debt down to {$1500.00}. We received several bills so I contacted a XXXX XXXX from XXXX and attempted to fight it with a legal team I was associated with. After making minimum progress, I proceeded to pay the debt down to {$500.00}. I have receipts and money orders dated XX/XX/XXXX signed by XXXX ( employee of XXXX at the time of payment. ) In XXXX of XXXX, XXXX XXXX XXXX and IQ Data reported a debt of {$1500.00} ( In two separate collection accounts ) to the credit bureaus despite my payments. It is now XXXX and I have disputed the debt 4 to 5 times and it still remains. I have contacted XXXX XXXX XXXX, XXXX, IQ Data International all 3 credit bureaus and my receipts seem to hold no weight which is baffling to me.
Consumer complaint received 2022-03-04
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. (VT)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX
Consumer complaint received 2020-06-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I closed on my house in XXXX is 2019. I just tried to refinance to find out that they never paid the taxes I prepaid from my escrow account. I sent them the notice I received with late fees from the county tax collectors office. Still nothing has been done. Now they say they are working on it but dont know what happened.
Consumer complaint received 2020-02-03
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. (WI)

XXXX XXXX  acct # XXXX This account was opened on XXXX this account is over 7 years old this account should be removed from my credit file. 

XXXX acct # XXXX This account was opened on XXXX, balance of {$4900.00} and {$3.00} this account is over 7 years old this account should be removed from my credit file. There is more than one balance on my account with the same account number. How can I have more than one balance with the same account number b US DEPT OF ED/XXXX  acct # XXXX this account was opened on XXXX balance of {$16000.00} and XXXX balance of {$19000.00} this account is more than 7 years old this account should be removed from my credit file. How can I have more than one balance with the same account number? 

Please have these removed from my credit file
Consumer complaint received 2020-02-03
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: CITIBANK, N.A. (NY)

I purchased a XXXX dishwasher from BestBuy on XX/XX/2019 for delivery on XX/XX/2019. I opened a BestBuy / Citibank credit card at the time at the XXXX XXXX, XXXX, NY BestBuy store. The saleswomen suggested I purchase a deluxe installation kit ( {$29.00} + {$2.00} tax ) and a haul-away service ( {$19.00} ). I agreed to these additions. The dishwasher was delivered as agreed to, but the delivery did not include the installation kit and the delivery men refused to haul away the old dishwasher. I signed a delivery logbook the delivery man presented, noting that the delivery men refused to haul away the old dishwasher. This book contained multiple entries, I assume for other deliveries. The old dishwasher sat in my dining room for a week until my nephew and I carried it out for pickup by XXXX curbside recycling program on XX/XX/2019. I have affidavits attesting to this. The installation kit was not delivered, but not necessary since I was able to use the existing copper lines. I raised the complaint with BestBuy on XX/XX/2019, on BestBuy 's XXXX page -- their recommended method. I received an automated response but nothing else. I have a printout of this. I paid for the dishwasher in full, {$480.00}, when due. I disputed the {$52.00} charge for unfulfilled goods and services, in XX/XX/2019 with Citibank. Citibank rejected my dispute presenting a number of documents including a BestBuy / XXXX XXXX acceptance form with a forged signature. I never saw such a document, nor does the signature in any way resemble mine. I wrote Citibank dispute center on XX/XX/2019 by US mail and again on XX/XX/2019. Neither of these letters was responded to. In a conversation on XX/XX/2019 with a woman identifying herself as XXXX at the Tennessee Citibank dispute call center, I found out that the first letter was on file but never responded to. I got a call from XXXXon XX/XX/2019, that lasted 42 minutes. It resulted in the late charges being removed and I thought in the dispute being resolved, but the dispute remains! And late charges have again been applied. Subsequently, Citibank has reported my account delinquent. This is the first time in over 39 years of credit history I have ever had a credit card claim me delinquent. My FICO  score was above 800 last summer and has now plummeted to a low of XXXX! Obviously, Citibank has caused me harm. If I were to apply for a car loan, I would be charged a much higher rate. If Citibank even bothered to check, it would discover that my other two cards with Citibank -- LL Bean and Costco -- are always paid in full on time, as are all my credit cards.
Consumer complaint received 2022-06-15
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  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 an account without my written instructions
Consumer complaint received 2020-06-05
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: TD BANK US HOLDING COMPANY (OH)

Account was opened, while I was in XXXX  ( which is XXXX  ). This could not have been opened by me because it was no way I had access to phone, computer, etc.
Consumer complaint received 2022-07-24
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. Specifically, 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (MO)

I previously filed a complaint on XXXX/XXXX/2022 with the CFPB against IC SYSTEM that was closed without any attempt of an investigation into the matter at hand. 

This organization violated federal law and continue to ignore any actions that are taken by me. 

Its been 29 days and I have not received a single piece of mail from IC SYSTEM and I do not understand how or why this is allowed to happen. 

IC SYSTEM posted an unverified collection to my credit without allowing me the opportunity to dispute the debt. Violations that occurred are as follows : 15 U.S. Code 1692g ( a ) Notice of debt 15 U.S. Code 1692g ( a ) ( 1 ) the amount of the debt ; 15 U.S. Code 1692g ( a ) ( 2 ) the name of the creditor to whom the debt is owed ; 15 U.S. Code 1692g ( a ) ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; 15 U.S. Code 1692g ( a ) ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; 15 U.S. Code 1692g ( a ) ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 15 U.S. Code 1692g ( b ) Disputed debts 15 U.S. Code 1692g ( c ) Admission of liability 15 U.S. Code 1692g ( e ) Notice provisions
Consumer complaint received 2022-03-04
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)

My personal information is not correct or my current employer 's. My current address is XXXX XXXX XXXX, XXXX, GA XXXX. I'm currently unemployed. I am not retired nor do I work at XXXX XXXX XXXX.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you XXXX have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

So I reached out to all three credit bureaus requesting that they send me information that verifies the bankruptcy. I also submitted a letter from the courts stating that they do not verify bankruptcies to anyone or any companies. Credit bureaus refuse to remove the public record information for my credit report