davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-05
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. (MI)

Experian Agency doesnt have any investigation personnel. Experian only ask the furnisher to Update the dispute or remove the item. So most furnishers push update. Why not Experian does not regulate them. 
My issue is Experian let a debtor name XXXX XXXX enter an account for a credit card for XXXX XXXX that has a 1 month term and no late payment history and open XX/XX/XXXX then closed XX/XX/XXXX that will remain on credit report until XXXX. 
This is a Scam. XXXX XXXX is just telling Experian that they will pay them extra money to over look this item to not follow the law by not presenting a payment history, closed in what status Good never been late and the terms for the credit card says 1 month. Who has an 1 month term credit card from XXXX XXXX  as listed on my credit report and the beginning amount of the credit card is not listed? By Experian not having an investigation personnel for Debtor entering items on credit report the Debtor just pay Experian and they will place any thing on Creditor report. Experian took 20 points off my credit score and will not return them. 
I never open an account with XXXX XXXX  XX/XX/XXXX. XXXX, When an account is late- closed it takes 6-9 months before the Original creditor to close an account. Experian did not check dates. XXXX XXXX owes me money under the FCA and FCRA {$1000.00} Experian did this damage to my credit score it is your fault for not reading the documents Debtors send contracts that has no late payment history, 1 month term credit card by XXXX XXXX  stay on credit report until XXXX ( 5 years ) not Experian rule 7 year rule. Original Creditor does not list how many days late with a date of last payment and reason why closed also not following Public Act 6-9 month rule closing late payment accounts. This is why we have Identity theft because of Credit Reporting Agency. 
Document sent credit report
Consumer complaint received 2022-04-05
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. (TX)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX
Consumer complaint received 2019-02-19
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. (TN)

On XX/XX/2019 I Sent A Certified Letter To The Credit Bureaus To Properly Validate An Account That Was Paid On Time ... The Credit bureaus Refuses to validate the account in has the account showing as a paid collection on my credit report which isn't true ... All Payments Were Made On Time ... I Been trying to fix this correction for sometimes in its really frustrating
Consumer complaint received 2022-04-05
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. (NC)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-09-03
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. (KS)

On XX/XX/XXXX and XX/XX/XXXX TransUnion allowed two unauthorized hard inquiries on my TransUnion Credit Report to an unknown inquiry.
Consumer complaint received 2020-10-21
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Hello my name is XXXX XXXX, I usted have a mortgage loan with Carrington mortgage, and they reported that I missed a payment in the month of XX/XX/2020 when I was in forbidden do to the coronavirus ... I call several times and they have everything in records but they have not sent anything to the credit board ... I don't understand why this company can do something like this and know about it and don't have any intention to fix the issue, is all in records. 
In my opinion this is retaliation because I refinance with a different bank. 
Is not acceptable ...
Consumer complaint received 2020-06-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (MD)

On XX/XX/XXXX I requested {$260.00} currency from Coinbase. The money was put into a vault that can only be withdrawn by validating two emails sent to two different accounts. The system has a flaw because it is impossible to verify the second email, which is documented on different websites from different customers with the same problem. Every day I go through the same process trying to retrieve my money, the primary email works ( XXXX ), the secondary ( XXXX  ) gives you the message " You have already performed this action. '' Turns out this problem have been going on since XXXX. In a time of the virus, I have no money to be sitting around with this company. To make things worse the customer service does not exist, they send emails that they are looking into the problem, but no very well what the problem is, they are stalling and just holding on to peoples money. It is now XXXX Please help me get my money back.
Consumer complaint received 2021-09-15
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: TRUIST FINANCIAL CORPORATION (TX)

The branch manager XXXX XXXX at XXXX XXXX in XXXX, TX has fraudulently opened a second loan without my consent or approval knowing I was a victim of identity theft after providing a police report. The loan company XXXX XXXX in XXXX, TX and their banking institution XXXX XXXX XXXX XXXX, TX have made me, the victim, responsible for XXXX XXXX  passing through a check under double presentment which was originally issued for a loan- from XX/XX/2021 in the amount of {$800.00} and mobile deposited in my credit union.
Consumer complaint received 2021-04-26
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. (CT)

I hereby authorize CFPB to contact TransUnion on my behalf. File # XXXX. Called and spoken to two TransUnion staff between XXXX and XXXX EST on XX/XX/XXXX.

Strong complaints against TransUnion : 1 ) Refusal to remove or investigate unauthorized or fraudulent hard inquiries ( Regular Inquiries ) : - XXXX  XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX Spent over 1 hour on the phone with first a rep, then her supervisor, explaining how I never authorized these hard inquiries in XXXX and XXXX. Did not even recognize who XXXX  XXXX  was. Explained I had previous credit cards like XXXX XXXX  with XXXX  XXXX  but all cards were closed without balance in XXXX. Obviously XXXX  XXXX had internal staff using my personal information without authorization to steal my credit report information. TransUnion requested me, the victim, to contact the unauthorized entities to receive a letter saying I never authorized them. That was ridiculous. It's like the Police asking a victim to call the thief to request a confession of theft. Also explained my XXXX  credit report has absolutely no such entities. 
2 ) Freely providing my private information without authorization : Under soft inquiries ( Promotional Inquiries ), TransUnion shared ( or SOLD ) my personal information like address, phone number etc. with five businesses unknown to me for a total of 11 times in XXXX  alone. These businesses are : - XXXX  XXXX  - XXXX  XXXX  - XXXX  XXXX  XXXX  - XXXX  XXXX  XXXX XXXX  - XXXX  XXXX  XXXX, XXXX  NEVER seen these businesses in my life! But this will explain the daily spam calls and tons of junk physical mail in my mail box. Shame on TransUnion!

3 ) Vastly inaccurate credit limit information causing horrific Vantage 3.0 Score. Both FICO and XXXX  show my revolving credit limit at $ XXXX. TransUnion shows $ XXXX  because they never updated my increased credit limits in the past two years, or they entered the wrong credit limits on some cards. Thanks to TransUnion 's consistently wrong information, my Vantage 3.0 score is XXXX  whereas my Fico Score is between 720 and 790 depending on the type. Spoken to many experienced bankers and credit score experts. This level of discrepancy is unheard of!

I suspect I am not alone and TransUnion has a fashion of sloppily entering incorrect information and then refusal to correct the wrong information. All they are focused in is selling my information for $ $ without ethics or remorse. Compared to XXXX  or XXXX  who are far more ethical and consumer-friendly, TransUnion should be investigated by CFPB and FBI. If found guilty, should be fined or banned. Holding the global gold standard of credit systems, we can not afford to have a highly dishonest or sloppy credit reporting agency in these United States of America!
Consumer complaint received 2020-06-02
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/ original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. XXXX  XXXX XXXX {$2500.00}, XXXX {$4600.00}, XXXX XXXX {$4600.00}, and XXXX XXXX {$280.00}. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-03-29
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 SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION XXXX DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXF FLORID XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-05-05
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. (MD)

I only have XXXX XXXX card that I began using in XX/XX/2020. My monthly payments from XXXX to XXXX were paid on time and in full for each month In accordance to TransUnion, my credit score went down 5 points. I have been making my payments on time for each month. As of XX/XX/2020, I had a {$0.00} balance. I owed {$63.00} for the month of XXXX. On XX/XX/2020, I paid the complete balance of {$63.00}. 

Why did my credit scores go down 5 points?
Consumer complaint received 2017-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital one has now twice ( just this year ) charged interest when they should not have. Both times were credited when I called to complain, but I am certain most people are not tracking their payments and charges as in depth as I do. For the month of XXXX, I had a statement balance of {$11000.00}. Throughout the statement period, I made 4 payments totaling {$11000.00}. I was then charged {$95.00} in interest for that month. I called and they did offer to credit my account, however no one seems to know why this continues to happen. I make well over 100 charges and payments throughout the course of the month and am meticulous about reviewing everything. If I did n't do that, I would n't have known that I was n't supposed to be charged. I feel there is more to this than just my two instances and people are being wrong charged.
Consumer complaint received 2020-10-21
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. (MA)

HI, i'm not sure what's going on, but it's been more than 90 days and the company and credit bureaus/reporting agencies failed to send me the results for the investigation. The student loan still reports incomplete, and unverifiable information. There are so many inconsistencies getting reported between the 3 credit reporting agencies. I don't want to waste my time or anyone else time. I need this removed from my credit report. Please delete!
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (VA)

I signed up for the Blue XXXX Preferred Card from American Express with the bonus offer of {$300.00} cash back after $ XXXX spending. After not receiving the bonus I called AMEX. They said that it was declined due to having an XXXX XXXX card and an XXXX personal one that was open all the way back in 2011. This is unethical to have me apply for the credit card and charge me a yearly fee and not give me the bonus that got me to open the card because I have had a continue relationship with the company. This is total nonsense this company is deceitful and needs to be investigated.
Consumer complaint received 2020-09-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

I purchased a vehicle from Infiniti of XXXX XXXX on XX/XX/XXXX. I purchased the vehicle new as stated on my contract and MV1 Title application. On XX/XX/XXXX I tried to trade my vehicle in and was informed the value of the vehicle was diminished because it had damage reported to the XXXX on XX/XX/XXXX. I was not informed of any damage at the time of purchase and according to the PA New Car Damage Disclosure Act, It was mandatory that the dealership have me sign off on any damage at purchase. I attempted to reach out to the dealership and give them the opportunity to make it right. XXXX the General Sales Manager said that they " had a new finance manager and mistakes happen ''. He offered me {$34000.00} as a trade in value. That is not acceptable to me. I did not go into the transaction purchasing a damaged vehicle. I purchased a new car with no damage, or so i thought. I would like the dealer to pay off my car ( approx {$29000.00} ) plus return to me my down payment ( cash and trade in value {$19000.00} ). I tried working with the customer advocasy department at Infiniti Finanacial since they funded a deal on a new car with damage and no signed XXXX report disclosing the damage. I contacted them on XX/XX/XXXX and on XX/XX/XXXX XXXX contacted me back to let me know she heard back from the dealer and they arent willing to do more than the {$34000.00} ( under Manheim Market Value ) XXXX XXXX offered to do on XX/XX/XXXX. This dealer broke PA state law, mislead me into thinking this was an undamaged vehicle and now wants to make more $ on me for their mistake.
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (VA)

By my estimation, 99 % of my debts were paid off in XXXX, yet XXXX is reporting a low FICO score for me of only XXXX because it says that I am using 69 % of my available credit. I am using probably less than 1 % of my available credit due to having paid all of my debts off in XXXX with a divorce settlement. I need my FICO score to be higher so that I can get a better mortgage loan to buy a condo. My home of 33 years was recently sold, so I am " homeless '', so to speak. This is a very important issue for me as a single woman. 

XXXX XXXX XXXX
Consumer complaint received 2020-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

HI, i'm not sure what's going on, but it's been more than 90 days and the company and credit bureaus/reporting agencies failed to send me the results for the investigation. The student loan still reports incomplete, and unverifiable information. There are so many inconsistencies getting reported between the 3 credit reporting agencies. I don't want to waste my time or anyone else time. I need this removed from my credit report. Please delete!
Consumer complaint received 2020-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

REPORTING FTC VIOLATIONS ATTACHED AND ENCLOSED IN THIS DISPUTE : XXXX XXXX is urging the FTC to investigate XXXX over concerns that it played a role in the massive XXXX  XXXX data breach that affected 100 million people Sens. XXXX XXXX ( D-Mass. ) and XXXX XXXX ( D-Ore. ) urged the Federal Trade Commission ( FTC ) on  Thursday to investigate whether XXXX  failure to secure its servers, which resulted in a breach that exposed the personal data of 100 million Americans, was a violation of federal law. 

XXXX and XXXX wrote in a letter to FTC Chairman XXXX XXXX on Thursday that XXXX knew, or should have known that their XXXX XXXX XXXX ( XXXX ) cloud server, which the company rented to XXXX XXXX to store data, was vulnerable to cyberattacks. 

The massive data breach was revealed in XXXX when XXXX XXXX announced that an individual was able to gain access to the data of both credit card customers and those who had applied for credit cards. The data of 6 million XXXX  was also included in the breach, with some Social Security and credit card numbers among the compromised data.
Consumer complaint received 2021-07-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I submitted a complaint regarding a bank of America credit card that I closed. The complaint number is XXXX. Bank of America did not try to resolve the issue and continue to send me statements and have caused a negative credit report to be submitted. The original complaint is still open even though they responded on XX/XX/XXXX that they were looking into it. This is a small issue over {$40.00}. I believe they are not attempting to resolve the issue and are instead causing my credit rating to be impacted.