davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
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. (MS)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-05-02
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # # # # # # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

I have been in the process of cleaning up my credit- or trying to. I have several issues. 
I had sent several goodwill letters recently. Trying to simply get negative accounts removed from several years ago when I declared bankruptcy. However, every single creditor I sent these too has then entered them as disputes. I am not disputing anything! I even plainly state that in my letters. 
Creditors that have done this so far- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My understanding was that unless we specifically file a dispute then- it isnt a dispute. 

Second issue- new collection- I verbally told them I dispute it. I want an accounting. I never received any sort of mail correspondence at all. They updated an old collection on my credit report with this new information. Then as if that wasnt bad enough- I sent via certified letter- a debt validation which has been completely ignored. 
What next? 

I feel like we have all these laws that are supposed to protect consumers but they arent taken seriously. After all, why should they be? If you dispute something they just electronically verify the exact same erroneous information. Once you have errors on your credit report it is a nightmare. You never seem to get them resolved or removed and it seriously can ruin your life. You cant get credit or not affordable credit. And you never get out of that pattern because on down the road future creditors see that you had to go through sub prime lenders and they dont like that either. Meanwhile the only people that get hurt are the people this is supposed to protect.
Consumer complaint received 2021-06-22
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. (MI)

Hello, My complaint is in regards to my XXXX/XXXX XXXX general credit card. I opened the account in XX/XX/2021 and have used it consistently, have never missed a payment nor have I ever been late on a payment. 

I keep my balances very low as I take my credit score very seriously and keep overall balances at approximately 1-3 %. 

This particular account consistently fails to report updated, accurate information which has negatively impacted my credit score and at one point prevented me from attaining another line of credit due to inaccurate information on my credit report on my XXXX XXXX card. 

Right now, today for instance, according to my Experian credit report, I have a balance of {$160.00} and have a 10 % usage percentage. In reality, I have a XXXX balance. The balance of {$160.00} was from back in XXXX. I have used my card every month and have paid off my balances three times since XXXX. 

All three credit bureaus are reporting outdated information for this credit card because XXXX XXXX has not reported correct information. XXXX says I have a {$250.00} balance on this card! It's all wrong and it's unfairly hurting my creditworthiness in the eyes of lenders. 

All three credit reports show XXXX XXXX has not updated my account since XX/XX/2021 ( and even then, the balance was not correct. ) Not only does it incorrectly show a 10 % credit usage on Experian and XXXX but it shows a whopping 17 % usage on my XXXX report!! Absolutely wrong and UNACCEPTABLE. 
Then to add insult to injury - Experian is now threatening to remove the account altogether due to *lack of reporting* which will negatively impact my score even further. 

I have spoken to three different people at XXXX XXXX at length. No one can explain why this is happening and each opens a " ticket '' that promises to look into it and I am told I must wait ( yet another ) 30 days for their investigation to be complete as to why they are not reporting correct payment and balance information. Nothing ever updates and I have never once received any confirmation that their investigation was completed. I've worked so incredibly hard to build my credit up and rely on my score for business as well as personal projects. I have a pristine payment history across all lines of credit including this card but XXXX XXXX continues to incorrectly report balances and payment history. 

Also, when I have tried to dispute the balance / payment history with Experian, they tell me I can not dispute it and that I have to just wait for XXXX XXXX to update my account. Then they threaten to remove it altogether due to " lack of reporting. '' ( Insert scream here. )
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CO)

in XXXX i leased a new XXXXXXXX XXXX. I was late a payment in XXXX, and then was late again in XXXX of XXXX. Out of no where they had repossessed the vehicle and then proceeded to sell if for profit. All this time had passed without any payment seeking. I then filed a dispute on all credit accounts to have the account removed from my credit reports. They accepted this and then closed the account across all reports. This is still true for for my XXXX and XXXX. I again disputed to have it completely removed, to which they then reinstated the account claiming that I owe them over {$5000.00}. I can not believe they would do this after 3 years. They account was closed, it is still closed on my other reports. I have repeatedly tried to dispute this this XXXX XXXX with no success. I have proof and screen shots that the account was closed on XXXX XXXX, and is still closed on my other reports.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have the exact name and birth date of a Texas XXXX that has a long criminal record, so I'm being turned down from jobs and places to stay due to his criminal record.

I'm a retired federal officer for the XXXX XXXX XXXX XXXX with over 25 years of service including 4 years in the United States XXXX XXXX. 

Your assistance in this matter will greatly be appreciated.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX Balance : {$17.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2022-09-15
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. (NC)

These companies consistently make it next to impossible to change your security freeze status. When I try to temporarily lift a security freeze through XXXX 's website, my browser informs me that the page can't be loaded because it is not secure. 

These companies put zero effort into online security and that is the reason data breaches have occurred in the past. A functioning government would ensure these problems were addressed. How many millions of man-hours have been spent in frustration trying to navigate these sites? They have the resources to do better and the financial information they store should be better protected.
Consumer complaint received 2021-04-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

Applied at Amerisave to re-finance my home on XX/XX/21. I put {$500.00} up front for being serious about doing it per their request. I guess history has repeated itself with them. I see they are known for pulling a Bait-And-Switch Mortgage Scheme. That's exactly what they did to me. At first the closing disclosure was one thing ( agreeable ). Then it kept changing way beyond belief! There is no communication whatsoever. I've really exhausted my effort with them. They are nothing but scam artists. I really want my money back. I've gotten nothing but the run around with them. This is the worst experience I've ever had doing this process. What can I do?
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX transunion and XXXX have devastated my life by allowing someone to commit identity theft I have complained multiple times to cfpb as well Im tired of this issue not getting fixed my credit need to be fixed and restored this goes against all laws and Im writing a letter to the senator to address this I cant live with poor credit caused by someone elses actions
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

As a federally protected consumer under the FCRA, I hereby exercise my right to opt out of any and all authorizations, whether provided in written, unwritten, verbal, or non-verbal form. I may have given written, unwritten, verbal, or non-verbal consent at some point and am now revoking consent. The commencement date of the account is XXXX. This action is taken in accordance with the following statutes : - 15 U.S. Code 6805 - Enforcement - 15 U.S. Code 6801 - Protection of nonpublic personal information - 15 U.S. Code 1666e - Notification of credit issuer by seller of return of goods, etc., by obligor ; credit for account of obligor - 15 U.S.C. 1666B - Timing of Payments - 15 U.S.C. 1681A - Accuracy and Fairness of Credit Reporting - 15 U.S.C. 1681B - Reasonable Procedures- 15 U.S.C. 1681C-2- Block of Information resulting from Identity Theft - 15 U.S.C. 1681E - Compliance Procedures- 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information - 15 U.S. Code 6803 - Disclosure of institution privacy policy - 15 U.S. Code 6801 - Disclosure of institution privacy policy Privacy Policy Act of 1974. 

Thank you for your attention to this matter.
Consumer complaint received 2021-06-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Best Service Co.,Inc (CA)

I noticed on my credit report the company name the best service co/Ca is reporting false information on my credit report. I never had an collection account with this company. They reporting an collection account on my credit report and causing me to have an negative account on my credit report. I sent proper documentation showing that it was a inaccurate account and I file a dispute with the credit bureau and they havent removed this false account off my credit report.
Consumer complaint received 2020-07-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TrueAccord Corp. (PA)

On XX/XX/XXXX a block call came through to my cell phone and a message was left by a young lady who I could barely understand. She left a message that her company was going to serve me paperwork to my home and job to have me arrested for a legal matter in their office. She also stated that the warrant would be sent via certified mail in a few days unless I called their office to resolve. I called the number back and a man answered I asked what the name of the company was and he refused to give me that information and hung up on me. I called back repeatedly and got their voicemail. A few minutes later a get another call from XXXX XXXX and the same person left another threatening message. I immediately texted the number back and asked for the company 's name and that I was going to file a complaint. Today XX/XX/XXXX I get an email from a female name XXXX XXXX ... .I have a copy of the email and I can also provide a copy of my response to her to cease all communications, and that I had no idea what this was about. In her email she started out by saying are you still confused on why we are contacting you. Never mind that I sent her a text message just yesterday to cease all communications with me and send everything from her company on letter head to my attention via mail. My FDCPA rights were violated with the threatening email, they continue to contact me even when I told them to cease all communication. I have the recorded called on my cell phone I have saved it. Please let me know when I can share it with the CFPB office.
Consumer complaint received 2018-10-04
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc (RI)

Ad Astra has placed a collection item on my credit report on XX/XX/2015. Related to a XXXX XXXX loan that I never took. I called Ad Astra many times to tell them it is not my charge. They want my social security number which I will not give them. I told them I never received money from XXXX XXXX nor did I receive bills nor did I take the loan. They said without my social they have nothing to say to me. I have entered disputes with 3 credit reporting agencies, placed a dispute with the XXXX who got XXXX XXXX to mail me the loan documents which show and e signature, typed signature, and auto debit form for an account with XXXX XXXX XXXX with no name on it for the account holder, a cell number on a document that was never mine. I asked XXXX to request application information. The lender said due to privacy issues they will not provide. I filed an identity theft form on the FTC web site. This has stopped me from refinancing. I have perfect credit report, all trade lines paid on time. I also sought the advice of lawyer who I would have to pay {$500.00} to review my case and determine if he would help us to sue both companies.
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (PA)

Chime/ XXXX has temporarily closed my account due to verification. I sent all necessary documents they wanted and I keep getting the same email and I tried calling get nowhere. They tell me they will escalate to support team but they send me same email over and over requesting documents that I sent so many times that the link to send more tells me Im maxed out to send more documents. I need help with this bank because my Social Security gets deposited here. Please help me resolve this. I appreciate it. XXXX XXXX
Consumer complaint received 2022-05-02
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (WA)

Ford Motor Company keeps reporting inaccurate information to my XXXX  credit file. I had a closed / past due account with ford motor credit in the amount of {$1100.00}, account # XXXX. I paid the account off to XXXX $ balance with the collection agency. I received a payoff letter from the collection agency XXXX XXXX XXXX XXXX XXXX. I supplied XXXX  with the payoff letter from XXXX XXXX XXXX and this collection account was finally updated to XXXX  balance and showed the account as paid. 

About 3-4 weeks later, Ford reported a past due balance of {$1100.00} to my XXXX  credit file AGAIN and they listed the account as OPEN. I spoke with XXXX and I was unable to get any help resolving this matter. Now the account is listed as open and shows a past due balance of {$1100.00}. I've disputed this with XXXX  Three separate times. This is my second time reporting this issue to CFPB.

I need help fixing this issue. Ford is bullying me, their customer service representatives refuse to help me. I do not know what to do anymore. I've supplied proof that I paid this account off, and I still can not get this issue resolved.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXXXXXX Balance : {$2700.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-19
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. (WV)

My complaint is being found because TransUnion has been caught in several lies and they are now discriminating from allowing me to utilize my credit on Friday XXXX the XXXX I received a response back from The following complaint XXXX XXXX XXXX XXXX XXXX XXXX stating that the information on my credit report did not exist .... However, please explain to me how it does not exist when all the information was attached to that complaint form I also received a letter back from TransUnion on XX/XX/2022 stating that the XXXX recovery was removed from my transition account which was after the complaint was filed XXXX XXXX XXXX XXXX so again explain to me when was all of this removed from off my credit report because it was not removed until after the complaint was filed therefore you can see the lies that TransUnion is telling