davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-11
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: Credit Bureau of Carbon County (CO)

I submitted a dispute on XXXX with certified mail tracking numbers requesting a company called collection center of WY remove a claim for a collection action on my report on XX/XX/19. I had mailed a certified letter tracking number XXXX which collection center of WY had received by never responded to my request. Within 10 minutes the collection center of WY was removed from my credit score. 

On XXXX collection center of WY refiled the collection notice. I disputed again because I have not received ANY PROOF OF DEBT. XXXX investigated the dispute and claimed they recieved proof of debt. I called XXXX and XXXX refuses to show me proof of debt. 

I feel this is fraud and a scam on the collection center of WY and XXXX because there has be NO PROOF sent to me to verify the debt and I request help in having XXXX  remove this from my credit score.
Consumer complaint received 2022-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : CAPITAL ONE Account Number : XXXX
Consumer complaint received 2019-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

Today, XX/XX/XXXX, I tried to place a freeze on my account with Experion. I completed their online form completely, including social security number, birthdate, address, full name etc. After each on several tries their response was that the information was insufficient and I would need to mail the request along with copies of a drivers license and utility bill. I have had excellent credit for 50 years and the social and birthdate have remained the same over those years. Both XXXX and XXXX   responded to my freeze request promptly. 
My conclusion is that Experion is intentionally discouraging the use of this freeze feature, possibly to promote their credit lock product. They should be reprimanded for that and provide the proper response.
Consumer complaint received 2019-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (IL)

I called sagestream llc NUMEROUS times as well as faxed, and certify mailed them my personal information regarding disputing negative information on my report that does NOT belong to me as well as getting a security freeze and I have not gotten a response.
Consumer complaint received 2019-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2019-10-11
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. (CO)

I submitted a dispute on experian with certified mail tracking numbers requesting a company called XXXX XXXX XXXX XXXX  remove a claim for a collection action on my report on XX/XX/19. I had mailed a certified letter tracking number XXXX which XXXX XXXX XXXX XXXX had received by never responded to my request. Within 10 minutes the XXXX XXXX XXXX XXXX was removed from my credit score. 

On XXXX XXXX XXXX XXXX XXXX refiled the collection notice. I disputed again because I have not received ANY PROOF OF DEBT. Experian investigated the dispute and claimed they recieved proof of debt. I called Experian and Experian refuses to show me proof of debt. 

I feel this is fraud and a scam on the XXXX XXXX XXXX XXXX and Experian because there has be NO PROOF sent to me to verify the debt and I request help in having Experian remove this from my credit score.
Consumer complaint received 2019-10-11
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. (IL)

I disputed all non account holding inquiries with Experian.They did Not investigate my dispute. I reached out to all of the companies the inquiries came from none of them had proof that I authorized the inquiries. Experian violated the Fair credit reporting act by refusing to investigate all these inquiries that is not mine. I have had problems with Experian over and over again about Anything I dispute Experian is the Only Credit Bureau that will NOT DO THERE JOB they violate the FCRA for almost 2 years on all my disputes. I have contacted their attorney general and I'm going to Sue Experian for {$1000.00} for Every inquiry they have on my Credit Report. If Experian have Anything they can send me as Proof I authorized inquiries I want them to send it to me ASAP!
Consumer complaint received 2019-10-11
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. (CA)

I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit and because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Consumer complaint received 2022-12-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

On XX/XX/2022, I ordered the transfer of XXXX XXXX Dollars from my account at Fifth Third Bank XXXX XXXX, Michigan to XXXX XXXX ( my husband ) in XXXX. His account is in the XXXX bank " XXXX XXXX XXXX XXXX  ''. The transfer never happened, and the money was not delivered to the XXXX  bank. 
I contacted Fifth Third Bank ( XXXX XXXX XXXX ) several times by email and phone, and she told me that the problem is in the XXXX agency " XXXX XXXX  '' but she can not solve the problem from her side ( copies of correspondences attached ). So far, no progress.
Consumer complaint received 2022-07-22
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. (PA)

In XXXX, I sent letters to the three credit bureaus concerning incorrect addresses reporting to my credit report. The address since, has not been removed. Having such addresses report on my consumer report, and I do not live or have any affiliation with the listed addresses.
Consumer complaint received 2017-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (NY)

Received an unsolicited, " pre-approved '', " prescreened '' offer in the mail for a credit card from   XXXX   financed by Comenity Bank. The only option for opting out to stop receiving these unsolicited " offers '' was to call their automated hotline,  XXXX . When you call, the automated system asks for your social security number, address, date of birth, phone number, and other personally identifiable informationthere is no path forward to stop receiving or opt out of their communications without providing all of your personal information. Your options are to keep receiving their unwanted solicitations and communications, or risk providing all of your personal information to a system with no proof or claim of security.
Consumer complaint received 2024-05-14
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: INDEPENDENCE HOME LOANS LLC (GA)

Independence Home Loans, XXXXXXXX XXXX XXXX XXXXXXXX based in XXXX AZ has been sending me misleading communications which at this point constitute harassment. They send out alarming mailers which imply I'm late for a payment on my mortgage, while their fine print suggests they are trying to get me to refinance out of my VA loan in Georgia. I have called this company four times to demand they cease communication, and they have promised me each time on the phone that they would stop, however, they continue to send me alarming notices in the mail which, when opened, are misleading solicitations which are a hair 's width away from impersonating the VA. They are unwilling to stop communicating with me despite repeated attempts on my behalf for them to stop calling/ mailing me. It says VA Loan all over their literature many different times, with a small fine print disclaimer at the bottom which altogether gives the impression that they ARE affiliated with the VA. This is predatory behavior targeting older citizens.
Consumer complaint received 2022-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I reached out to XXXX, Credit Reporting Company, asking them to verify ( with an original signed contract ). I sent this request via mail on XX/XX/2022. XXXX sent me a letter stating the debt was verified ; But failed to send me a contract as proof. I also reached out to the Collection Agency for verification ; And they never provided anything. Therefore I sent another Letter to XXXX enclosing copies documents sent to the collection agency asking for evidence. The 2nd letter was sent ceritifed mail with a return reciept. XXXX signed and recieved my letter XX/XX/2022. The FCRA requires you to verify the validity of an item within 30 days of request. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here. I informed XXXX that I contacted the Debt Colection agency for validation ; And the Debt Collection has not validated the debt either. It has been 60 days with no response from XXXX. This needs to be removed from my credit. I've also sent Letters to XXXX and Transunion without a initial response.
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: EQUIFAX, INC. (CA)

I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Equifax has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reported to my credit file held with Equifax. These accounts were opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the accounts via FCRA Section 605b . Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXXXXXX XXXX XXXXXXXX
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. (CA)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that isUNKNOWN to me : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. ()

I tried to withdraw XXXX euros from binance to a XXXX XXXX XXXX XXXX  a month ago, but the bank rejected the transfer. I was hoping to see XXXX in my wallet but I havent received yet.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (PA)

My account at navy federal Credit Union is being blocked. They said they received an order from child support to do so. I informed them that my daughter was deceased and I have a court order of the case termination. I also informed them that I have a satisfaction of judgement from the deputy commissioner. They told me I have to work it out with child support. This has placed me in a hardship not having access to my funds. I am retired and live alone. I am contacting the CFPB to request my account be released. If proof of the court order and satisfaction of judgement is needed I can provide that. It has been over 2 weeks and my bills as well as my accounts are being delinquent and the gas to my home was recently shut off for a week now.
Consumer complaint received 2019-03-12
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: EQUIFAX, INC. (NC)

Signed up for an online medical course in XX/XX/2013. I was not able to complete the course I notified the loan company and school who would not cancel the loan disputed numerous times still keeps popping up on credit report. I am not responsible for the debt as I did not complete the course.
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

When accessing my Bank of America credit card account, I have noticed that even with the redesigning of the site, the information displayed is viciously misleading, which has lead me to miss and/or misunderstand the amount due. On XX/XX/XXXX at XXXX PST I called Bank of America credit card services to not only express my concerns, but to inquire about an interest charge and to understand my ACTUAL balance due. After the rep spoke with me, and condescendingly explained the charges and information displayed on the website, I expressed great concern for the manner in which information is being displayed and asked the rep to relay my concerns to her boss who should also relay it to their boss. See pictures attached, pay close attention to credit card information displaying the current balance, statement balance, payment due date, etc., etc., etc. Upon speaking with the representative tonight, I repeated myself several times to ensure that I knew what balance is due this month. The rep told me that {$0.00} is due because I made a payment in full on XX/XX/XXXX ( displayed on my statement on XX/XX/XXXX??! ). The rep went on to state that, even though my online dashboard shows that I have a statement balance of {$2000.00} due by XX/XX/XXXX, and a current balance ( with no due date anywhere is sight ), {$1500.00} will be due on XX/XX/XXXX. " Okay, great! Thank you!, '' I exclaimed, " but this is definitely NOT what is displayed on the online dashboard when I log in to pay my account! '' When I explained this to the representative, she stated, " log back in on the XX/XX/XXXX and the amount due will be {$0.00}. '' This is not a solution. To log back in after the close date of the credit card means that I could be late on paying my credit card. That does not help me to understand what amount is due on the XX/XX/XXXX. What I do know is that every month my balance is due on the XXXX and I have until the XXXX to pay the balance in full or I will be assess an interest charge. I also understand that the balances due are incurred from previous months. I understand this all but this is NOT what is displayed. I feel this website is purposefully misleading or someone is just really bad at designing a website/dashboard. My credit card was opened in XX/XX/XXXX and I have been dealing with this issue since I opened the card. I take pride in paying my credit card in full every month but it is purely because of how Bank of America continues to display misleading information that payments are missed or late.
Consumer complaint received 2018-05-04
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. (FL)

I have inquries on my report dating back as of XX/XX/2016 that is not tied to any open account because I did not authorize them I asked them to be removed, the only 2 inquiries that I have authorized are XXXX XXXX XXXX and XXXX, the rest I did not give authorization.
Consumer complaint received 2018-05-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

Filed two disputes with credit repoting agencies concerning items on my credit report which were not veried correctly according to the FRCA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).
Consumer complaint received 2018-05-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IA)

My wife sent me a payment via paypal of {$220.00}, papypal added {$950.00} on the transaction. However, the amount sent to me was never disputed and has been posted since the day the payment cleared the credit card. I've attached a copy of the dispute and it shows the amount disputed was {$950.00}. Since then Paypal has even received the {$950.00} to complete the total of the payment while my account is still negative and I have not been credited back for the money the took fraudulently.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARD TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY INFORMATION IN REGARD TO THE INVESTIGATION RESULTS. IT HAS BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2019-10-11
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.