davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

This is regarding my student loans amounts : {$5600.00} - {$8900.00} - {$5700.00} - {$9100.00} .. these loans are reporting incorrectly on my credit report. 
i paid off these loans a while back but they are still appearing on my credit report. Please take them off my credit report immediately. 

thank you
Consumer complaint received 2019-10-10
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. (MS)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I contacted the police locally and FTC. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX XXXX XXXX   XXXX, XXXX XXXX. And these inquiries are not mine either : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX , XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX . XXXX, XXXX.
Consumer complaint received 2021-03-09
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. (CA)

In XXXX of XXXX I called the creditor to defer my payments on the account due to COVID and the negative impact it had on my income. I was advised that this would NOT negatively impact my credit. My next payment due date was XX/XX/XXXX in the amount of {$330.00}, but was advised that the account would be frozen until XX/XX/XXXX. 

I called again on XX/XX/XXXX to extend the deferment since I continued to still experience a decrease in income due to COVID and was then told that my payments would again reset to {$0.00}, with the next payment due XXXX. I called on XX/XX/XXXX to make a payment of {$330.00} ( the amount I was told was currently due on the account - confirmation # XXXX ). I was told the next payment amount due would be for {$350.00} and did request an additional extension with the next payment being due on XX/XX/XXXX. I again made sure nothing would negatively impact my credit. I was advised to pay {$350.00} in XXXX to avoid a 30 day late and had made that payment on XX/XX/XXXX ( again being advised by the agent that I had no incurred a 30 day late payment. 

It turns out that the creditor did in fact report me 30 days late in XX/XX/XXXX which devastated me since I had never had issues like this, AND have been a customer since XXXX with excellent payment history. 

The result of this has greatly reduced my credit score and has put a hinderance on me and my family purchasing our new home. I feel I was poorly communicated to and was very misled on the outcome of my deferment after being VERY well assured that this would not impact my credit.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX  charged off a balance of {$2300.00}. I never received a XXXX for that charge off. The amount has been charged off since XXXX, however it is still being reported on my consumer report without my permission. I disputed this through XXXX in XX/XX/XXXX. They are currently still reporting that it is past due, although it has been charged off, which is ultimately affecting my consumer report negatively. I would like for this account to be deleted from all three consumer reporting agencies immediately as my rights have been violated. High balances for the accounts should be reported and it should be the same balance. Three different balances are being reported through the three major bureaus. This is another violation, and means for this account to be deleted from all three major consumer reporting agencies. 

According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( a ), the IRS states charge-offs are to be reported as income, and income can not be reported onto a consumer report.

According to 15 U.S.C 1681 ( 4 ) This information shouldn't even be on my consumer report because I never granted permission for it to be on my consumer report.
Consumer complaint received 2022-12-01
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: Experian Information Solutions Inc. (CA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX was ( XXXX XXXX XXXX XXXX ) balance of {$89.00}. I called XXXX XXXX XXXX XXXXXXXX they said they dont use XXXX XXXX they use XX/XX/XXXX. The debt was paid in full thru XXXX XXXX on XX/XX/20. I am requesting this to be removed from my credit immidiately.
Consumer complaint received 2019-01-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fair Capital (NY)

I got a phone call on XX/XX/2019 saying that I have debt ( {$300.00} ) owed to XXXX XXXX XXXX, which I never visited before. The representative says she is from FAIR CAPITAL LLC. XXXX License # XXXX XXXX. 

The company also knows my personal information, so I'm afraid it is either a fake debt collection company or it is a real one that steals my personal information to scam me.
Consumer complaint received 2024-03-05
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. (CO)

Re : Dispute of Account Information - XXXX XXXX, Account Number : XXXX Dear CONSUMER FINANCIAL PROTECTION BUREAU XXXX I am writing to formally dispute the information on my credit report regarding the XXXX XXXX  account, Account Number : XXXX. After reviewing my credit reports from TransUnion and XXXX, I have identified several discrepancies that require your urgent attention. 

XXXX. **Account Type Discrepancy : ** - TransUnion XXXX the account as a " Flexible spending credit card. '' - XXXX reports the account as a " Credit Card. '' This inconsistency raises concerns about the accuracy of the information reported by XXXX XXXX, and it is crucial to clarify the correct account type. 

XXXX. **Date Opened Discrepancy : ** - TransUnion XXXX the date opened as XX/XX/XXXX. 
- XXXX reports the date opened as XX/XX/XXXX. 
-THE ACCOUTN IS MISSING FROM THE XXXX REPORT The conflicting dates of when the account was opened indicate a lack of uniformity in reporting, which is essential for maintaining the integrity of credit reports. 

XXXX. **Payment Status Discrepancy : ** - TransUnion XXXX the account as " Late 120 Days. '' - XXXX reports the account as " Late 150 Days. '' XXXXTHE ACCOUTN IS MISSING FROM THE XXXX REPORT The differing late payment statuses on the same account for both credit bureaus create confusion and could have a significant impact on my XXXX XXXX. 

XXXX. **Date of Last Activity Discrepancy : ** - TransUnion reports the date of last activity as XX/XX/XXXX. 
- XXXX reports the date of last activity as XX/XX/XXXX. 
-THE ACCOUTN IS MISSING FROM THE XXXX REPORT The inconsistency in the reported date of the last activity on the account further raises questions about the accuracy of the information. 

Considering these discrepancies, I request a thorough investigation into the accuracy of the XXXX XXXX  account information. I kindly ask that you update or delete the information form TransUnion accordingly. 

I appreciate your prompt attention to this matter and look forward to receiving an update on the investigation within the required time frame. 

Sincerely,
Consumer complaint received 2022-12-01
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. (IL)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2020-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC (MT)

I paid this debt years ago. XXXX XXXX  has spent the last year trying to collect it again. Ive sent them the debt release as proof multiple times and they refuse it. They have now marked me as no contact and filed a lawsuit.
Consumer complaint received 2017-07-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc. (TX)

A company called Amcol Systems appears multiple times on both my XXXX and XXXX credit reports. I have no idea who or what this company is or who this company represents as this company has not sent me any type of communication as to who they are. They just all of sudden appeared on my credit reports causing some negative damage.
Consumer complaint received 2017-07-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Allied International Credit Corp., (US) (TN)

I keep getting repeated calls for someone I do n't know. I 'm receiving at least two calls a day or more. I 've informed them that it 's the wrong number but they still keep calling. This has been going on for about 40 days.
Consumer complaint received 2022-12-15
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. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( 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 Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020
Consumer complaint received 2023-02-10
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. (NJ)

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


Accounts : XXXX XXXX XXXX. 
Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX  XXXX XXXX, XXXX ( XXXX ) XXXX
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a few concerns about inquiries on my credit report. Is it true that in order to pull someones credit report you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization?
Consumer complaint received 2021-04-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Earm LLC (WI)

XX/XX/XXXX21 and again today XX/XX/XXXX they have called my phone consistently back to back. They state i owe something from my bank account but it doesnt sound legit and if i had an issue with my bank account they would send me something so i dont get it and refuse to get scammed. they are calling me from XXXX they say call XXXX which has been listed a company fraudulently calling people playing as a debt collector. they say ask for XXXX XXXX on the message
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MN)

XXXX XXXX/Comenity Bank continues to charge {$2.00} per month interest on an account that was closed in XX/XX/XXXX. However, I was billed another {$12.00} which I paid in XX/XX/XXXX. 

I have called XXXX XXXX several times relating to this issue. One customer Service Rep hung up on me. They continue to lie interest charges on a closed account.

One Rep state I had made a RECENT purchase. I have made no purchases from them since XX/XX/XXXX.
Consumer complaint received 2019-07-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

I am trying to sell the two properties encumbered by this mortgage in order to get the mortgage debt paid off. There is a buyer and signed offer on one of the lots and the inspection has been completed. In order for the sale to proceed, it is necessary for Bank of America to allow a partial lien release such that we can guarantee a clean sale of the first lot to the buyer. Bank of America is refusing to do so. Allowing the sale of this first lot would result in Bank of America receiving more than half of what is due on the loan and they will still hold the lien on the second lot which is a buildable waterfront lot. Bank of America is not acting in good faith by refusing the partial lien release and by preventing the sale from going through. They are also jeopardizing my ability to procure a buyer for the property. 

This is not a duplicate of a previous complaint. This is a new complaint concerning Bank of America hindering the sale of the property to a third party.
Consumer complaint received 2022-12-01
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. (IL)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX, old credit card accounts, closed, sold to debt collectors. XXXX continues to send derogatory credit reports to the credit reporting agencies. This is unacceptable as XXXX no longer has any business at all interfering with my credit status.
Consumer complaint received 2017-07-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (FL)

Reference in XXXX XXXX XXXX, Hello i have been contacting citi mortgage to assist me with a loan modification package. I have not even got a return call which i set up 2. I have been just trying to get an answer or status to assist the borrower. They have gae me two call backs which i just called at XXXX XXXX  XXXX and was advised that there was no notes and that the point of contact XXXX XXXXXXXXXXXX has not given me an email or a call back today at XXXX. It is XXXX XXXX now and set up another call back for next week.
Consumer complaint received 2018-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  and transunion both received the police report and the id theft gov taking more than 30 days with XXXX   XXXX XXXX to fix my id theft Account Name Original Creditor Open Date Balance Debt Contact Information XXXX XXXX XXXX XXXX XX/XX/XXXX {$830.00} {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX   XXXX  XXXX  XXXX-XXXXXXXXXXXXXX XX/XX/XXXX {$110.00} {$110.00} XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX cra violation tranunion XXXX XXXX  XXXX   XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$110.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXXXX/XX/XXXX {$830.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX  XXXX   XXXX on XXXX
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have been dealing with ongoing issues between you guys verifying my information and the credit bureaus posting inaccurate information on my credit file which has made my life very uncomfortable and has stop me from multiple opportunities. I am sending this follow up complaint after about 4 previous complaints to remove all inaccuracies and errors off of my credit report it is stated in your mission statement that you help consumers to be treated fairly between the business of the average joe and the big bad bureaus. I would suggest a fair resolution would be to look into the previous times Ive sent complaints, look into the details of my complaint and you will see where the rules arent being followed on the bureaus parts and the unfairness of it being at my expense. I would really ask that this be expedited just for the back and fourth and distress I have had to endure.
Consumer complaint received 2022-10-15
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)

On XX/XX/XXXX the XXXX XXXX XXXX flagged my credit report with XXXX debt which is out of network and I was not notified. 
This is a violation of my rights of the No Surprise Act of 2021
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My complaint is against Transunion. On XX/XX/XXXX I received a phone call from XXXX XXXX questioning if I was attempting to open a credit card with them. I believe this was flagged by XXXX XXXX because I already have an existing account with them. I informed XXXX XXXX that was NOT me attempting to open an account and to close out the request as fraud. XXXX XXXX informed me they were going to contact the credit agencies to let them know what had occurred and that I should do the same. I contacted all three credit agencies. XXXX removed the fraudulent inquiry when I called. XXXX and Transunion requested that I send in a formal letter, with a copy of my photo ID, FTC report and a copy of my credit report. I sent in the requested information to both agencies as requested ; however, XXXX removed it with in a few business day but Transunion sent me a letter back stating the letter I sent them was not from me when in fact it was. I contacted Transunion to inform them the letter was in fact from me because that was what they requested I do and still they weren't willing to take off the fraudulent inquiry. I contact Transunion again after receiving their notice ; however, they stated they need to review the information " manually '', this is was told to me by XXXX of their supervisors named XXXX. I complied with their requests with sending in the required information and yet they still refuse to remove the fraudulent inquiry. This is my final attempt before filing a lawsuit against them for not complying to the regulations under the Fair credit Reporting Act.
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS