davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-04
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. (TN)

US BKPT CT TN XXXX XXXX XX/XX/XXXX I've disputed this account with all three credit bureaus. Nothing has happened. 

I didn't authorize the following inquiries on my accounts. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. I did not give consent to these accounts Or permissible purpose. I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 
DELETE THESE ACCOUNTS : Original creditor : XXXX XXXX XXXX XXXX Account number : XXXX Please remove account. 
Original Creditor : XXXX XXXX XXXX Account number : XXXX Please remove account. 
Original Creditor : XXXX XXXX  Account number : XXXX Please remove account. 
XXXX XXXX : XXXX Account number : XXXX Please remove account. 
Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Please remove account. 
Original Creditor : XXXX Account Number : XXXX Please Remove account. 
Original Creditor : XXXX XXXX XXXX Account Number : XXXX Please remove account. 


UPDATE FOLLOWING ACCOUNTS TO ZERO DAYS, PAID ON TIME, PAID IN FULL as there was a billing error.
Consumer complaint received 2021-06-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CO)

I was scheduled to close on XX/XX/29. We called and emailed many times to ensure everything was ready to go. On XX/XX/XXXX I was told to stop worrying and paperwork would be ready the following Monday. I was continually given excuses and told to keep waiting. I eventually called and demanded a manager look in to the situation as I was then just a few days away from closing with no final loan documents or wire transfer amount. I was later called by my title company and was told I needed to bring more cash to close to meet my minimum investment requirement. No one could tell me what this meant, including loan officer, processor or title company. Eventually the manager explained that the sellers credit for house repairs had to be used to buy down the rate. We did not want to buy down the rate but were forced to or be faced with losing our {$10000.00} earnest money which the seller could keep due to a missed closing date. Bottom line Amerisave kept final disclosures from me until a day before closing. They then changed the terms on me to force me to pay an exorbitant amount for a lower rate which we did not want. They did this at the last minute when we either had to accept their unfair and deceptive terms or be faced with losing $ XXXX in earnest money. They could not explain the delays in telling me this which eliminated my chance to switch loan companies back to XXXX who I was already approved with. They also couldnt explain what this minimum investment requirement even was as we were putting nearly 50 % down on the house.
Consumer complaint received 2021-06-02
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Recently I was locked out of my online account which is how I pay my bill. I contacted Capital one on XX/XX/XXXX on or about also contacted on XX/XX/XXXX and XX/XX/XXXX. I contacted Capital because I was unable to access my online account. I was told by the rep that I needed to submit proof of my identity along with a letter with my ss, account number. I complied with their request both times. The third time I contacted them to inquire why the online was not fixed so that I could view and pay my bill. The rep said that they needed me to send another letter this time with all the accounts listed that I had with them in the past need I say the accounts they are requesting were dismissed in bankruptcy and should not be associated in any way with my new account that they approved. On XX/XX/XXXX I had to call in and make a payment as I try to pay ahead of time, I spoke to 2 reps who say they were unable to process my payment. I then speak to a supervisor XXXX senior account supervisor. XXXX states now all of a sudden they have technical issues. This has turned into nothing but a nightmare. I do not want my payment late and credit report be affected by this issue in which I am still unclear of.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I first submitted a complaint XXXX, and Experian spent effort to lecture me on the use of a credit repair company, rather than the issue in the complaint. I filed another complaint XXXX. I supplied my license, ss card, and a bill to prove my address. I advised them that their reasons for not using a credit repair company have nothing to do with the complaint. I know it's hard to believe, but there are laws in this country and not all consumers are stupid. I'm well aware of my rights to have errors researched when they appear on my credit report. You have violated the law. You just don't want to research them. I proved very thorough information on the errors that I was questioning. The CFPB provides an avenue for consumers to complain when the bureaus are not following the law. I'm not asking you to lecture me on credit repair companies. I'm not asking you to lecture me on how to submit a dispute. I'm simply asking you, as the credit bureau to follow the law and I'm hoping the CFPB requires you to do so. Right now, they are just taking whatever answer you provide. Review my disputes and you'll see that I did provide all the details. You missed the 30 day deadline, as you'll see with the certified / return receipts I provided. These items must be deleted. I will seek legal representation to get the rights that I'm entitled to.
Consumer complaint received 2022-04-28
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. (FL)

In accordance with the fair credit reporting act, XXXX XXXX  account number XXXX, has violated my rights. 

15 USC 1681, Section 602 states I have the right to privacy 15 USC 1681, Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date
Consumer complaint received 2022-04-28
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2019-06-07
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: Experian Information Solutions Inc. (MO)

Spoke with two Experian rep, also disputed with XXXX  and XXXX and advised I have inaccurate accounts on my credit report. I advised that the accounts have been disputed on their website as well as letters have been sent into their office. I advise that the letters advise them of my rights and request that they provide me information about how they conducted their dispute investigation or delete these account immediately. All of my attempts and request has fallen upon deaf ears and no action has been taken on their behalf. I advised them that it has been past 30 days on all disputes. When I spoke with two Experian representatives, I let them know this, also requested a supervisor and was transferred to a different department and was advised no supervisor was available. I have requested these unverified accounts to be deleted from my credit report and this hasn't been done, its been while over 30 days. I've sent them a 3rd and final letter notice, to correct credit report or legal matter will be taken against Experian for violating my rights as a consumer.
Consumer complaint received 2021-12-09
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX XXXX, XXXX, XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer XXXX XXXX XXXX  Date Updated : XX/XX/2020
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (TX)

American Express Bluebird and Serve customers have not received their direct deposits since XX/XX/2018. I was supposed to receive mine on XX/XX/18. I have called every day and multiple times daily with no reasons why or resolution times. Now, when I call it is a busy signal and have had zero communication. I was first told it was a system upgrade and then I was told it was a system outage, and then I was just told they are aware of the issue. I can't have my payroll company redirect my paycheck as American Express has already cleared it as of XX/XX/18. Today is the 5th day that I have gone without my paycheck being deposited.
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As of XX/XX/2023 Ive notice this fraudulent ACCOUNTS AND INQUIRIES this is a list below of fraudulent inquiries below 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 2020-11-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MN)

I am insulted that Experian said in my last dispute that I had a credit repair company respond instead of me. I have attached my identifying information to this complaint. Experian is playing games. If they dont want to be sued they will comply and stop breaking the Fair Credit Reporting Act. I have sent disputes since XX/XX/XXXX and get no response back. I have attached proof Experian has removed this account back in XX/XX/XXXX, so theres no way for it to be added back on without following the FCRA laws. 
I sent a dispute letter on XX/XX/XXXX through Certified Mail to Experian requesting a deletion for violating FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ). Under this FCRA law, Experian was required to notify me of the reinsertion in writing within 5 business days. I received no such notification from Experian. Experian has been non-compliant. I further remind Experian, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. Experian continues to verify this account thats not accurate and unverifiable. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act.
Consumer complaint received 2018-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/2017 my XXXX XXXX XXXX and my Capital One 360 accounts were hacked. I went into the XXXX XXXX XXXX location in XXXX, LA to discuss the fact that I had lost approximate {$60000.00} from my Capital One 360 checking account and savings accounts. I was told that they could not help me with my Capital One 360 and the only way to contact Capital One 360 was by phone or over the internet. Since my account was hacked I could not get into my XXXX XXXX XXXX/Capital One 360 accounts on line. I called many times and was left on hold for 15/30 minutes. I've talked to three people from Capital One 360. One person said my funds would be returned to my account within 2/3 days. Another person said I had cashed out the account. Another person said I had transferred this money into another account. I've been dealing with this since XXXX, 2017 and I need help in getting my money back to me.
Consumer complaint received 2022-10-13
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: CITIBANK, N.A. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The Experian credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Date opened XX/XX/2021 XXXX : {$1000.00}
Consumer complaint received 2024-02-26
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I submitted my complaint and evidence to the credit agency stating my concern about the transgressions of my score based on false reporting and received no solution to rectify my problems and then they continued to report missed payments inaccurately and have no moral complicity in lowering my score over 90 points over the last 30 days. Even with evidence provided and disputes submitted.
Consumer complaint received 2024-02-26
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. (NJ)

A data breach at XXXX XXXX that unfortunately was a part of, a financial software provider, compromised the name, address, date of birth, Social Security number, and other account information of XXXX deferred compensation customers whose accounts were serviced by XXXX  XXXX XXXXThe breach occurred XXXX XXXX, according to the letter, and XXXX XXXX notified XXXX XXXX XXXX about the breach on XXXX XXXX. This caused me to occur late payments and new fraudulent accounts to appear on my credit report because of the identity theft that effected me during this time
Consumer complaint received 2023-01-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has paid its debt for the way they illegally had gap insurance while I had an active policy. However ; they have not yet paid me for the repossession or the collection efforts or impacting my credit score for years. Until someone figured out that I didnt owe them anything and they had caused me great harm.
Consumer complaint received 2022-11-16
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)

There are fraudulent accounts in my report, I have reported it to the bureaus, but I did not see receive any response. The accounts are damaging my credit and limiting my ability to obtain one.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (DC)

Resurgent/PYOD LLC . is reporting a debt of an original creditor, XXXX XXXX XXXX, which has been discharged by a XXXX XXXX bankruptcy in 2012. I previously requested through the dispute process of the credit bureaus, that the company provide the original contract for this account as part of the validation process. As a response to my request, I received a letter from their company requesting that I call their office. I understand that they are required to fully verify the above disputed items within 30 days, or they must delete the item from my credit report. It is also my understanding that they are required to do this under the FCRA 609/611 provisions. I have reason to believe that they are illegally collecting and reporting on a debt included in my bankruptcy. 

Thank you
Consumer complaint received 2021-07-20
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: EQUIFAX, INC. (LA)

Dear Consumer Financial Protection Bureau, Review dispute documents and remove the information from my credit report. The accounts is in direct violation of my HIPPA RIGHTS BY LAW FOR THE ACCOUNTS XXXX XXXX XXXX  and XXXX XXXX, on my credit report. I have not received a reply from the BUREAUs and it has been 30 days and I have not had any acknowledgment that an investigation has begun. I also sent a 30 day comply letter as well. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. Since this is my second written request, I will also be sending a copy of the letters I sent out on my behalf to the Federal Trade Commission notifying them that I have signed receipts for letters sent them and they have not complied with my request. I regret that I am being forced to take such action.
Consumer complaint received 2022-10-13
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$52.00} XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2500.00} XXXX XXXX FIN XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I called Bank of America so they can lower my interest. I am currently paying over XXXX a month in interest and its crushing me. I was transfered over 5 times to various departments. XXXX with XXXX, XXXX, XXXX, XXXX and finally XXXX who dropped the call either intentionally or accidentally. I am willing to pay what I owe i just need the Interest lowered to 0 % or close to that. They wont budge! They keep saying its competitive. XXXX lowered mine to 9.9 % but BOA is unwilling. They even tried to send me to a 3rd party debt consolidation company. I told them I owe them the debt not to a 3rd party. My income has been reduced significantly and I pay them on time or early. Please assist.