davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (NJ)

In accordance with the Fair Credit Reporting Act these accounts have violated my rights : Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX 15 U.S.C 1681 Section 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2020-07-26
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I had three accounts with XXXX two years ago and suddenly they are not reporting on any of my credit files. FCRA states that paid closed accounts are to remain for 10 years on the credit report. They are quick to report negative information but positive information XXXX refuses to report.
Consumer complaint received 2021-03-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hi, I am a XXXX XXXX XXXX. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by Bank of America. Bank of America has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter to Bank of America. They received it certified mail and signed off on XX/XX/2021, at XXXX. As they have violated me as a XXXX XXXX XXXX. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.
Consumer complaint received 2024-06-01
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. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I am disputing and investigating these wrong accounts on my credit file. I should get {$1000.00} for each mistake under the Fair Credit Report Act. FCRA 605B says we must report wrong accounts on a credit report.
Consumer complaint received 2020-07-26
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: Experian Information Solutions Inc. (MI)

I have inaccurate information reporting on my credit reports. I filed dispute and it has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My first dispute was sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2020-07-26
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. (GA)

I filed a credit report dispute with the XXXX Equifax and XXXX. I have inaccurate information reporting on my credit reports and it is hindering my ability to obtain credit. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2018-04-30
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)

There are two accounts that need to be removed which are XXXX XXXX # XXXX {$1500.00} I do not owe anything on this account please remove XXXX XXXX # XXXX {$650.00} account has been paid and per the company they sent a request over for your company to remove please remove
Consumer complaint received 2020-07-26
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. (GA)

I filed a credit report dispute with the XXXX XXXX and Transunion. I have inaccurate information reporting on my credit reports and it is hindering my ability to obtain credit. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2019-03-27
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)

My name is XXXX XXXX And my Information was stolen. Thieves are continuing to try and use my information to get goods and render services in my name. It has stopped me from getting a house and a car. I originally filed my fraud alert on XX/XX/XXXX. As of today, the fraudulent accounts are still reporting to my credit.And I don't Know why.. 

These Account are not mine and I have no clue how they got there. and its hindering me from progressing financially EXPERIAN XXXX XXXX  XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XX/XX/XXXX {$190.00} XXXX XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX   XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$190.00} XXXX  XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$300.00} INQUIRY- XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$190.00} XXXX XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$300.00} Please Remove these fraudulent accounts from my credit report. My information was compromise and I strongly believe my information was victimized by the breach. I do not know where the accounts came from nor did I open any of theses accounts. 

I am currently in the process of consulting with my lawyer on weather I not to proceed with a lawsuit if the accounts are not removed Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case EXPERIAN XXXX XXXX Operations Manager Experian XXXX XXXX@Experian.com XXXX XXXX CEO CEO Experian XXXX XXXX XXXX@experian.com XXXX XXXX XXXX Executive Vice President XXXX  XXXX XXXX XXXX XXXX Director Fraud and Identity management XXXX XXXX XXXX XXXX  XXXX XXXX Senior Vice President XXXX fraud/ID Theft XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Corporate vice president chief legal officer XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX And my Information was stolen. Thieves are continuing to try and use my information to get goods and render services in my name. It has stopped me from getting a house and a car. I originally filed my fraud alert on XX/XX/XXXX. As of today, the fraudulent accounts are still reporting to my credit.And I don't Know why.. 

These Account are not mine and I have no clue how they got there. and its hindering me from progressing financially XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$190.00} XXXX   XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX bank XXXX XX/XX/XXXX {$190.00} XXXX XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$300.00} INQUIRY- XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX {$190.00} XXXX   XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$300.00} Please Remove these fraudulent accounts from my credit report. My information was compromise and I strongly believe my information was victimized by the breach. I do not know where the accounts came from nor did I open any of theses accounts. 

I am currently in the process of consulting with my lawyer on weather I not to proceed with a lawsuit if the accounts are not removed Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case XXXX XXXX XXXX Operations Manager XXXX  XXXX XXXX XXXX XXXX CEO CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX Executive Vice President Transunion Corp XXXX XXXX XXXX Director Fraud and Identity management Transunion Corp XXXX XXXX  XXXX XXXX Senior Vice President Enterprise fraud/ID Theft XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Corporate vice president chief legal officer XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MI)

On XX/XX/2018 I received a promo finance charge in the amount of {$820.00} from XXXX XXXX since I did not pay my balance in full by the one year period. I have no issue with this charge but, on XX/XX/XXXX I received a duplicate finance charge in the amount of {$820.00} once again. I have since paid my balance in full and, contacted the creditor on three separate occasions attempting to retrieve my {$820.00} but, I am always given the same response " It is because I didn't pay in full by the end of the promo period ''. I understand that is why I received the initial {$820.00} promotional finance charge but, I should have not received an additional finance charge of the same amount during the same billing period for the same reason.
Consumer complaint received 2017-09-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (AR)

Onemain is reporting a collections / charge-off to all three major credit bureau 's ( XXXX, XXXX, XXXX ) under Account # XXXX stating I owe a balance of {$5500.00} for a installment loan opened on XXXX XXXX, 2013 and Onemain Financial XXXX XXXX XXXX XXXX , MD XXXX is reporting the same installment loan under Account # XXXX opened XXXX XXXX, 2013 stating I owe a different amount of {$6100.00} causing two highly damaging negative items on my credit score. This is double jeopardy, collection for the same debt.
I have contacted Onemain and filed disputes with all three major credit bureaus and can not get this removed from my credit reports.
Consumer complaint received 2021-10-13
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: EQUIFAX, INC. (GA)

Equifax Mortgage Service XX/XX/2020 I called both the company affiliated with inquiry they said no info could be found. I also contacted Equifax and XXXX and told me to contact FTC. XXXX did remove.
Consumer complaint received 2020-07-26
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. (GA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute sent XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2020-07-26
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. (GA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute sent XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2018-04-30
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. (WV)

My problem is with Equifax directly. I monitor my credit score weekly through XXXX XXXX. My credit score has continued to improve all the time with no negative activity in several years. My XXXX   and Equifax scores have continuously risen at about the same pace and have for several months to a year or more, and have, until recently, shown scores near 720. Suddenly, with no new negative activity, Equifax has dropped my score to XXXX with no explanation as to why. The red negative arrow shows a 30 point drop and its only reason shows my amount of available credit on ONE credit card. The monthly payments are always made and the balanace has continued to decrease. No new transactions have been made. XXXX  still shows my score at XXXX. There is no reason for the Equifax drop and it is nearly impossible to inquire about or dispute in an open discussion like this complaint form that Im currently writing on. 
Hopefully, there is something you can do about this as I want my score back. Thanks for any help you can provide.
Consumer complaint received 2021-07-20
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. (NC)

Unauthorized credit inquiries on my TransUnion Credit Report. I have sent two certified letters dated XX/XX/2021 and XX/XX/2021 to TransUnion asking them to remove the unauthorized accounts with no response.
Consumer complaint received 2020-07-26
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eagle Accounts Group, Inc. (MD)

I have reported XXXX XXXX to the BBB because the loan amount I owe the school {$1300.00} should have been discharge because I received a XXXX from XXXX which works with the department of education. XXXX XXXX has purposely not given my loan to XXXX so it can be discharged under the XXXX guidelines to forgive all my loans which became certified in XXXX. XXXX XXXX opened my collection account XX/XX/XXXX to the XXXX XXXX XXXX, and I received the discharge a year later and they didn't include this loan as part of the discharged I recieved. The XXXX XXXX XXXX told me to contact the college but no response, and I gave them this information to prove the debt was not valid
Consumer complaint received 2020-07-26
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. (NJ)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute sent XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2020-07-26
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. (NJ)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute sent XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2018-04-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Bliksum, LLC (CA)

When I took out the loan I have been fatefully making the payments under 2016 when my financial situation changed. My interest was over even higher than 100 % of what I brought for my credit was in the 600s however I was only approved for XXXX.
Consumer complaint received 2018-04-30
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. (NY)

I am extremely concerned over discriminatory banking practices regarding Citigroup and the gun industry. I use two Citigroup credit cards for almost everything I buy, including guns and ammunition. If these allegations are true, they are also extremely unethical, inappropriate, and will not never tolerated. As of right now, I use these cards to make approximately 2000 a month in purchases. I am ceasing to use these cards until I hear further information refuting this, and if true, I will immediately close the accounts.
Consumer complaint received 2021-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IA)

I have been getting charged cash advance fees for purchases made using my credit card. I contacted them and asked them why I am suddenly being charged a $ XXXX montlly fee for cash advances when I have made no cash advances from my credit card. They told me to contact the party i made the purchase from. I don't see how that will help as they are not the one charging me the fee. That party also said to talk to CitiBank about it. No one is stepping up here to correct this, they just want to point the finger at each other.
Consumer complaint received 2020-07-26
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: Experian Information Solutions Inc. (GA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute sent XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2020-07-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LYONS MORTGAGE SERVICES, INC. (NY)

Good Morning, There has been an active ACH sweep that withdraws monthly mortgage payments from my bank account. However, I paid off my mortgage back on XX/XX/2020 to Lyons Mortgage Services Inc using their platform in their website. I see the payment posted in my account with a zero balance due. 

I've been calling several times to ask them why I am still getting delinquent Notice and threatening notes about a supposed late payment. In their records they claim I still need to pay additional {$100.00} closing fee to close loan fully. Although there is a way to pay over the phone, Lyons M.S states insists loan closing will be valid only if I mail payment with a cashier check once a receive a letter from them with a stub for payment. It's been 3 weeks since they promised they'd send the stub but nothing has been received in the mail only delinquency notices. 

My credit is been reported and I have been affected by this before the credit bureau. 

Please help. 

XXXX