davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PR)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-19
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: Experian Information Solutions Inc. (OH)

Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX Thank you for your prompt assistance in this matter.
Consumer complaint received 2019-02-25
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: CITIBANK, N.A. (NY)

Hello This is regarding my Best Buy credit card, back in XX/XX/XXXXXXXX and XX/XX/XXXX and XX/XX/XXXX, they stated in my report that Ive missed payment due to not having funds in my account, but the issue was not noticeable by me and I Never revived a bill saying I have missed a payment at that time. On top of that my main account source where I was doing payment had closed with out me noticing kind of went thru hardship for a moment with out any notic that I was late on payment thinking that it was done automatic, so I contacted the credit company and they promised to fix the issue and remove the late payment marks witch never happened. As you see Ive never missed a payment ever since or before that. And Im so upset due to the fact they gave me their word to fix and help me remove isssue and didnt. What should I do please help me with this issue thanks.
Consumer complaint received 2016-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

Equifax states that information regarding a late payments was confirmed by XXXX XXXX XXXX. I have a letter from XXXX XXXX XXXX that the credit reporting agencies had been notified that the late payments are no longer reflected on my account. Equifax refuses to acknowledge the letter provided in my dispute and repeatedly claims that XXXX is validating that the information on my report is accurate. When I contact XXXX via phone they state they are not reporting the late payments.
Consumer complaint received 2018-03-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MI)

{$2100.00} XXXX XXXX is saying I owe this amount, I dont know where this came from. XXXX is reporting this I have a complaint in with this bank already. This is being reported on XXXX  and XXXX as of XX/XX/18. I need documentation proving that this is my account with my signature according to Section 69 of the FCRA you have to have proper verification. I want this removed from my credit report.
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

The following information on my credit report is fraudulent. I have no knowledge of these hard inquires on my report. 
1. XXXX XXXX 2. XXXX 3. XXXX XXXX XXXX I will appreciate if these inquiries be remove from my credit report. 
Thank you.
Consumer complaint received 2016-03-25
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We keep getting phone calls from someone who says they are from Bank of America and wanting to talk to us about our property. We are n't late on payments so there is no reason for her to keep calling! I have asked her 3 times to NOT CALL, that there is nothing I need to discuss about our property. She calls as early as XXXX, we have people sleeping here at that time. I asked for her manager and she claims she could n't find her phone number. I need this to stop. I have searched her number and found her home address, etc. Her name is XXXX XXXX ( she claims it 's XXXX ) from XXXX XXXX, Ca XXXX XXXX XXXX XXXX Phone number she calls from which is her own is ( XXXX ) XXXX. We do n't know why she is calling, she wo n't say unless we confirm information which I REFUSE to do because I know her call is not legit.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I am a victim of identity theft and as a result filed Bankruptcy XXXX XXXX in XXXX. I included XXXX XXXX XXXX XXXX XXXX in that Bankruptcy proceeding for an Auto Loan ( XXXX XXXX XXXX ). 

Thereafter, my credit report reflected the auto loan account as included in bankruptcy with no other further information. 

In XXXX, after the perpetrator of my identity theft was jailed and prosecuted in Utah, I wrote to XXXX and requested that since my accounts ( checking and savings ) at XXXX were overdrawn by the identity thief, that all accounts be removed from any bureaus that were reporting. Especially since my financial ruin and cause for Bankruptcy was the identity theft itself. 

Instead, XXXX changed my credit report to reflect that it is in fact XXXX owing and 120 days past due. 

I disputed this information with Experian Information Solutions, the single bureau reporting the incorrect information. Experian responded to my inquiries that XXXX has verified the past due amounts and information as accurate more than 3 different times. 

I directly disputed this information with XXXX by email. I received a letter from XXXX acknowledging this information was reporting inaccurately and it would be fixed. It has not. 

This is the only account on my credit report that reports as negative, therefore causing my credit report and score to significantly be lowered to the point of credit denials. 

Knowingly submitting false information to credit bureaus is a direct violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On or about XX/XX/2021, I purchased a XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX with the amount of {$19.00} at Walmart XXXX XXXX California. the XXXX glucose meter and test strips are defected which gave the test results very high false results compared to other meters and lab test result. The high false results are every dangerous for my life. On or about XX/XX/2021, I returned the meter and full box of test strips to Walmart but Walmart refused to accept return the meter and XXXX XXXX. Walmart return policy is 90 days with or with out receipt. On or about XX/XX/2021, I contacted Capital One credit card company to dispute the charge. On XX/XX/2021 I received a letter from Capital One stated that Capital One credit card company refused to resolve the dispute charge.
Consumer complaint received 2017-01-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (AL)

1 year ago I disputed XXXX XXXX XXXX transaction that appeared on my credit report Equifax had finally removed it XX/XX/XXXX. As of XX/XX/XXXX they have added back to my credit report and that it was behind 150 days and dropped my rating XXXX points. I have no contract with this company and would like it to be removed. Further more I would like Equifax to validate the debt, please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel XXXX accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate!
Consumer complaint received 2015-08-31
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MA)

Having problems with my bank Seterus over escrow account. I have called for several months complaining about the escrow balance with no luck. They have changed my monthly escrow payment monthly. I received another letter today. The bank admits they can only take an extra XXXX a year. Admitted in the letter, I was several XXXX dollars over that for the year. The letter then said I have a short fall again and are raising my escrow payment. I 've been told they have to refund overage anything over XXXX by federal law and I was approx. XXXX over for the year. I have spoken with the bank several times and despite the letters saying I 'm over the allowable amount of what they can keep they keep saying I have a shortage. I have asked for escrow history for past couple of years with nothing sent to me. Just new letters saying my escrow is changing again.
Consumer complaint received 2024-01-26
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have written to TransUnion multiple times since XX/XX/XXXX. On XXXX XXXX and XXXX XXXX, XXXX, someone fraudulently applied for a credit card in my name through XXXX XXXX. I contacted XXXX XXXX and they contacted TransUnion and TransUnion sent me a letter on XX/XX/XXXX saying that XXXX XXXX had contacted them and they had removed the fraudulent inquiries from my account. I had also contacted TransUnion at the same time asking to have incorrect/fraudulent names and addresses removed. 

Last week I got a letter from TransUnion dated XX/XX/XXXX with a canned 2 sentences as the letter and an updated copy of my credit report SHOWING THE FRAUDULENT INQUIRIES FROM XXXX  XXXX. This report also still contains inaccurate names and addresses. 

After receiving this letter, the first thing I did was go to Annual Credit Report to try to pull my TransUnion Credit report again. Although I was able to use this website to do this before ( and I absolutely can use it for XXXX and XXXX ), when I try to pull it for TransUnion, it tells me it cant confirm my identity. So I am not able to get the free credit report that I am entitled to by federal regulation, and which I absolutely need to access as apparently TransUnion is going to send me letters that lie and say that information has been removed and it hasnt, so I need to check this almost on a monthly basis to make sure that TransUnion is not incorrectly adding things to my credit report. 

Next I went to the TransUnion site to try to get a credit report. Apparently there is no way to do this without paying $ 25/month. I already had an account but forgot my password, and the code for forgetting your password is broken so it creates and infinite loop where it just keeps asking for your social security number ad infinitum. I then created a new account. When you look at the information on the credit report obtained from this TransUnion website ( that I had to pay {$25.00} to see ), you will see that the names on this online report dont even match the names that were reported in the hard copy report they sent to me. There are incorrect names in both, but they dont even match. Also the online report does not contain the fraudulent address that is reported in the hard copy. Furthermore, the online report seems to be showing that the XXXX XXXX inquiries were removed. 

I have gotten to the point where I have absolutely no faith that TransUnion has any idea what they are doing. I have multiple reports from TransUnion that dont even match. I have a letter dated XX/XX/XXXX from TransUnion saying that they would remove fraudulent inquiries and then they sent me an updated credit report on XX/XX/XXXX with the fraudulent inquiries still on the report. None of their website tools even work.
Consumer complaint received 2016-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

Georgia State Tax Lien was placed on my Equifax credit report on XXXX/XXXX/XXXX. This Lien has been Released by the State of Georgia, though they state it is up to the credit bureaus as to when they will remove the lien from my report. This Lien was filed in error and was originally paid back in XX/XX/XXXX. The state of Georgia has released it and stamped it as satisfied, and I disputed this with Equifax but the refuse to remove the lien.
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I received a postcard from CITIZENS BANK stating I would earn {$700.00} if I opened and maintained both a CHECKING ACCOUNT and SAVINGS ACCOUNT as per conditions on that card. I DID SO, having a representative assist me to be sure all I 's and T 's were dotted and crossed correctly. I tried to transfer funds as quickly as possible, but I could NOT due to CITIZENS BANKS 's limits on transfers. I thoroughly followed ALL instructions as I could. NOW, they are refusing to follow through and pay me what they owe me!
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I bought two gifts cards from a store in XXXX. They were XXXX XXXX cards, and XXXX told me that the gift cards were fraudulent and already applied to another user 's account. They advised me to contact my bank. When I contacted Citibank ( Sears Mastercard department ) they initially processed the claim but then reverted the credit without providing me any information. Then over phone and secure messaging, I have been provided false information again and again, after several complaints, I received a letter which was stating that, the merchant doesn't accept returns on gift cards. My case was never about the returning the items, I provided them all of the information and email exchanges with XXXX. Now, either the people on the customer service has no idea what's going on or they only reply to my messages on average 10-15 days. Now, they claim it is too late to respond to the merchant.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (CA)

Hello, I had my student debt forgiven back in XXXX and it still shows up on my credit report as calulated debt. I was told by XXXX that it should be removed in 90 days that time has come and past. Can you please help me to have my credit report updated and the removal of my forgiven loans.
Consumer complaint received 2023-03-28
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. (FL)

XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX, XXXX ( XXXX ) XXXX XX/XX/2023 Dear Equifax, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. 

The amounts owed are no longer outstanding for the following items : Party Owed : XXXX XXXX  XXXX : {$690.00} Account : XXXX Party Owed : XXXX XXXX XXXX : {$0.00} Account : XXXX Party Owed : XXXX XXXX XXXX : {$0.00} Account : XXXX I am disputing this claim due to : I have no knowledge of this account. It is fraudulent and I am requesting that it be removed immediately. This is my official request to have the aforementioned item to be deleted off my credit report. 

SSN : XXXX
Consumer complaint received 2022-02-11
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: EQUIFAX, INC. (NY)

Hello, I am writing to you regarding the big scam in my own credit report. I got unknown account and inquiries that I do not recognized. I checked my credit report and with XXXX XXXX I can say that this account and inquiries are not mine. I have no idea how come I have it my credit report. But the only what I want is to remove these items because I prefer to have information that is mine in my credit report. Please apply the investigation and remove them from my credit report. I filed Identity theft so therefore You would see what items to remove. Thanks in advance
Consumer complaint received 2020-10-19
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. (OH)

Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt assistance in this matter.
Consumer complaint received 2022-02-11
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. (NY)

Hello, I am writing to you regarding the big scam in my own credit report. I got unknown account and inquiries that I do not recognized. I checked my credit report and with 100 % I can say that this account and inquiries are not mine. I have no idea how come I have it my credit report. But the only what I want is to remove these items because I prefer to have information that is mine in my credit report. Please apply the investigation and remove them from my credit report. I filed Identity theft so therefore You would see what items to remove. Thanks in advance