davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was denied credit from my bank because trans union reported info to the bank stating that I have insufficient credit history, insufficient credit experience and insufficient time since most recent accounts establish. Trans union lists my length of credit history as ; average age of accounts, 3 yrs and 2 mons, age .of oldest accounts 6 yrs 0 mons . XXXX length of credit history 21 yrs and 2 mons, XXXX   length of credit history also 21 yrs and 2 mons. This action took place on Sat. XX/XX/18.
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: U.S. BANCORP (MI)

my consumer rights were violated by Elan Financial services. I XXXX XXXX applied to enter into a consumer credit transaction with Elan financial services which was denied. as a result of this adverse action Elan financial services is in violation of 15 USC 1602p which defines the term unauthorized use as meaning the use of a credit card ( my ssn ) by a person ( your company ), other than the cardholder ( me ), who does not have actual, implied, or apparent authority for such use, and from which the cardholder ( me ) receives no benefit. 

And as a result of this adverse action this has negatively impaired my credit and gave me no benefit.
Consumer complaint received 2020-08-01
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. (OH)

I created a XXXX XXXX XX/XX/2020 and i was trying to get my first apartment. Well to make things short i saw a collection account which is closed that is fraud. XXXX XXXX XXXX is reporting late payments on a fraudulent closed credit card in which i did not open. I called them and credit agencies but nothing has happened they run me in circles saying they are 'investigating ' it has hurt my credit score from a XXXX to a XXXX and is creating financial hardships for me. I want this account removed from all my credit reports because i did not open it and it keeps reporting late payments and hurting score. Please help me. I did not file a police report because its almost 7 years old i just now started learning about credit that is why im just now seeing this account. Also the company that XXXX XXXX provided that 'bought ' the account is no longer in business. I need answers.
Consumer complaint received 2019-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Commonwealth Financial Systems, Inc. (TX)

I have disputed these accounts numerous times through XXXX and XXXX as the negativity that has impacted my score has been false from the start. I have talked to each collection agency listed and have recorded conversations of them stating apologies for the errors and that they will be removed however ; they have only followed through with XXXX and not XXXX. I have no negative items on my XXXX but they have done nothing to XXXX besides removal of a few accounts but, they have added accounts in their place, ones where insurance, XXXX, XXXX and my Supplemental insurance company has already paid these claims. I need help as I have disputed these numerous times. Below are the companies that are not in following through with what they have agreed to do. 

NEGATIVE INFORMATION > COLLECTION. 


XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX
Consumer complaint received 2021-07-19
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: Experian Information Solutions Inc. (TX)

Experian is violating FCRA regulations by reporting fraudulent information on my credit. As per their request, I have sent them police reports, court documents & FTC affidavits documenting bonafide ID Theft/ Fraud however they have failed to remove 5 accounts on my credit report which has lowered my credit score by over 200 points.

Today I talked with a supervisor who said that all he could do was file another dispute even though Experian has already disputed the information several times. Disputing is pointless because it is fraud so the original creditor is validating fraudulent information. More importantly, the original creditors can not provide proper validation that is required by federal and Texas state law. The original creditors, due to fraud, can not provide me or Experian with any original credit application or signed loan contract with my signature displaying that I borrowed money or applied to borrow from them which is a strict violation of FCRA. 

As per federal and state law credit reporting agencies must remove any information from a consumer credit report that can not be properly validated.
Consumer complaint received 2023-03-11
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. (CA)

The Credit Bureaus XXXX, XXXX, and Experian have listed on my Credit Report XXXX XXXX XXXX and original creditor XXXXXXXX XXXX XXXX in the amount of {$4.00}, XXXX. The issue is this shows opened XX/XX/XXXX and the account is OPEN and all of that is Categorically False! I have been with XXXX since XX/XX/XXXX making this debt over 7 year old which should of been removed from my Credit Report. 

These creditors/collections do this all the time, change dates to justify their Collection activity when in fact they are aware that it is false. This type of business practice in unethical, unlawful, and they know it and still use it to their advantage! 

I have talked and filed complaints to the Credit Bureaus to no avail so I am left with no other recourses than to file this compliant with you.
Consumer complaint received 2020-09-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I received a suite from XXXX XXXX today dated XXXX XXXX, XXXX today is XX/XX/XXXX. I am bey suited by a debt collector for the Bank of America by Attorney XXXX XXXX XXXX, XXXX with That, XXXX XXXX XXXX, XXXX, I feel that this has been too long and I do not owe this as it has been a year since paperwork was filed to XXXX XXXX and I am now getting documents.
Consumer complaint received 2022-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Due to problems during the transfer of my mortgage from XXXX XXXX to Mr Cooper I have suffered impacts to my credit. They also failed to maintain payments on my home insurance which is in danger of being canceled. 

Mr Cooper needs to do a better job coordinating the transfer of mortgages from other lenders, and should institute some sort of manual process to review cases before issuing notice to credit bureau. 

Very unhappy customer.
Consumer complaint received 2019-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VA)

Tried to log into online app with Citi as I have for a year or so and got a message there was a problem with my account and to call them. 

Did so and answered there security guestions correctly. Was told they would text me a code to read back to them but after three attempts was told they had an error in their system. Then was told I had been left a voicemail on XX/XX/19. Looked at my recent messages. Nothing there. 

Was passed to a superior and told all they could do for me was send a letter to the address on file or call back from another number. 

I explained I have no other number and had moved and had a new address ( one of the reasons I was logging on in the first place to change ). Was also logging in to increase payments to pay off before 0 % interest offer expired. 

Was offered no other resolution to fix this issue. Looks as if they are trying to keep me from adjusting payments to pay off prior to 0 % interest offer expires. 

They wont even switch to a mailed statement to the new address. Looks as if Im just locked out of the account but still expected to pay it. 

I need this resolved ASAP.
Consumer complaint received 2023-03-11
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. (MI)

I have previously disputed the circled items enclosed. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. * According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. * They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 ; these credit bureaus have 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 * 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. * They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % Accurate or it MUST BE DELETED IMMEDIATELY Also, all credit bureaus are showing inaccurate and erroneous personal information. I have one address, one phone number, one name ; any inaccuracies must be removed immediately as they are impacting my credit score tremendously and hindering my reputation
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (NC)

I found XXXX charges for {$95.00} on my account when I checked this morning [ XXXX ]. They were all made on Saturday XXXX. All reference a city in Idaho with a random name attached. I have been calling the company but each person says they send everything to one department and nothing else can be done. The department leaves me on hold for hours and never answers. It hangs up on me at about 1.5 hours. I am currently on hold and can hear the person shuffling and a dog barking behind the hold music.

According to the credit forum this is going on with several other cardholders so I believe it is a breach.
Consumer complaint received 2022-07-10
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)

U S DEPT OF EDXXXX Balance on XX/XX/2022, {$9600.00} U S DEPT OF EDXXXX Balance on XX/XX/2022, {$2800.00} U S DEPT OF EDXXXX Balance on XX/XX/2022, {$4100.00} U S DEPT OF EDXXXX Balance on XX/XX/2022, {$4800.00} These are four accounts that I have disputed five different times and they will take them off my credit report for a few years and put them back on my credit report when they are sold to another agency. This is not my debt and it is a fraud that has been reported over and over again. It gets removed and then pops up a few years later when another agency acquires the debt. I get 10 to 12 calls a week from different agencies offering to remove this from my credit report for {$350.00} per entry. Sometimes I get calls offering me a 50 % off a settlement to rectify the situation or a call from someone saying that they have a warrant for my arrest if I don't resolve this debt immediately. This is a fraud account, and I am overwhelmed with the harassment. I was totally unaware of the fact that America has the ability to incarcerate someone for a debt.
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

" " '' I have disputed this Charge off CITY OF XXXX XXXX XXXX for months.XXXX and XXXX have Deleted them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2019-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (PA)

Hello, I am filing a complaint on a late payment that occurred on XX/XX/2017 until XX/XX/2017 with Comenity Bank / XXXX XXXX. At the time i was facing a financial deficit, and tried working with the Bank for assistance before it could affect my credit. Unfortunately, they decided not to work with me with my situation and this caused me to have a bad enquiry against my credit. As you can see on my new Credit Report, i have always been up to date since. I am requesting to have this negative inquiry removed sooner. 

Thank you
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Experian is furnishing accounts on my consumer report that is a result of an alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I did not benefit from the transactions. I sent Experian written correspondence which included my proof of identity, an identity theft report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within XXXX business days of receiving my notice.
Consumer complaint received 2018-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: First Data Corporation (IL)

To Whom It May Concern : My name is Mr. XXXX XXXX XXXX, I am a United States Veteran and Senior Citizen writing you concerning a matter that happened in XX/XX/2018 regarding my payroll account. I worked for XXXX XXXX during the month of XXXX I received two direct deposits to my XXXX XXXX card. One direct deposit was for XXXX and the balance was XXXX that was on XX/XX/2018. Then on XX/XX/2018 a direct deposit was made to my payroll card for XXXX the balance was XXXX. I submitted a police report for the incident that took place on XX/XX/2018 and I am still waiting for a claim form to be sent to me for the XX/XX/2018 incident as well. I also ; reported that my wallet had been stolen to the XXXX XXXX located in XXXX, IL thats the office I work out of from time to time. I also ; reported my debit card stolen to XXXX XXXX. 
On XX/XX/2018 I filed a police report concerning my payroll card and wallet being stolen, which I have a copy of. I also ; spoked with one of your representatives concerning the account ending in XXXX and debit card ending in XXXX, which the XXXX was taken out of an ATM and a withdrawal fee was applied. I asked specifically, why when the card was reported stolen was it not immediately cancelled? The response that I was given was that there were transactions still being made so, therefore the card remained open. If a debit card has been reported stolen by the owner it should be immediately cancelled! The second payroll card which ended in XXXX and account number ending in XXXX had a deposit made to it for XXXX and a balance of XXXX on XX/XX/2018 this card was never in my possession. Now, tell me how can there be two different payroll cards with two different account numbers which has two different pin numbers attached to them and someone is still able to extract money from each account! I have proof of everything that is mentioned in this letter. On the payroll card ending in XXXX there were two transactions made at XXXX  gas station, one for XXXX and another transaction for XXXX on the same day XX/XX/2018. I didnt purchase any gas because I dont own a vehicle. Then Im sent a letter stating that my claim has been closed. By all means this situation is far from over, I have alerted the Illinois State Attorney General 's office and the XXXX. I will also ; be getting an attorney and involving the State of Illinois Veterans Administration. 
I will advise that this case be revisited and reopened, there will be documentation included with this initial letter of notification. In closing if there are any further questions please fill free to contact me @ XXXX. 

Sincerely, Mr. XXXX XXXX XXXX
Consumer complaint received 2018-10-24
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. (FL)

XXXX  XXXX credit card Open XX/XX/2018 Its not reporting on my credit report For all three credit companies Plus my users on they report
Consumer complaint received 2019-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/XXXX I received a deposit of {$6000.00} into my Capital One Checkiny Account. 

I have a XXXX XXXX and had a friend help me make the deposit. Capital one insisted that they know who was on the account for deposit and to call the XXXX XXXX XXXX XXXX, where the deposit came from to get a full identification of the depositor. 

I went through 2 weeks of hold and waiting for the funds to clear. I waited on hold for hours to have then connect with the other bank and was told by XXXX XXXX XXXX XXXX that they would not verify the deposit. Capital One would then not release any funds to me even after they said they were closing my account. I asked for a check to be mailed and that has not happened either. I need this money for emergency home repair.
Consumer complaint received 2019-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One reported " computer issues '' in XXXX of XXXX that somehow affected their apps displayed minimum payment due with the actual amount due. Since I was enrolled in paperless billing at the time, I did not have a physical statement to compare the payments to. The app stated that I needed to pay {$57.00} dollars in XXXX when I actually needed to pay {$59.00}. They are reporting a thirty day delinquency on my credit report over the {$2.00} shortage. Yet they have admitted that it was a " bug '' in their app 's software. In light of all their recent cyber troubles I insist that they remove this delinquency. This account has been open since XXXX and I've never been late. Something is not consistent with their false accusation.
Consumer complaint received 2018-12-31
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. (FL)

US DEPARTMENT OF EDUCATION has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2018-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

I have some issues with my credit report I have a unverified accounts and a Bankruptcy that is not accurate on my credit report, Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. I am self employed the following addresses are not mine please delete remove : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX The following account Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX I am in the process of buying a new home and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is XXXX DOB XXXX