davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-26
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)

I have never been late on the following account and requested physical verification of late payments and never received this information. 

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 2020-07-17
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. (DC)

I have been searching for a car loan for the past six months - each time I have authorized a car dealership, including XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, to pull my credit, it results in multiple - 4-6 inquiries on my credit report since they insist that each auto finance company needs to pull its own report. 

If this is not illegal, it should be as it is causing irreparable harm to consumers. Each inquiry deducts two points from an individuals credit report and my credit report has fluctuated as a result. 

Since last fall, I have had more than two dozen inquiries from auto finance companies although I have only authorized four inquiries. I am requesting that this arcane, burdensome practice be ended. Further, I would like the credit reporting companies, XXXX, XXXX  and Trans Union, to remove these inquiries from auto finance companies as I have requested in writing. 
In addition, XXXX XXXX insisted that they needed to pull my credit - resulting in another four inquiries - even after I presented them with an approval for auto finance from a company, XXXX XXXX XXXX XXXX, that they told me they are familiar with. They went further and said that even if I was paying cash for the vehicle and did not need financing, they still had to pull my credit report and insisted I authorized the inquiry before they would allow me to proceed further with the purchase. 

This should be illegal and is particularly deleterious to those of us who need to finance an auto purchase. Please end this practice immediately and instruct the credit reporting companies to treat multiple auto finance inquiries over several days as one, deducting just two points for auto finance reports pulled over 14 days ( if any ) rather than two per inquiry.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX : Took advantage of a balance transfer offer with 0 % APR terms until XX/XX/XXXX, which consists of approximately {$4500.00} in balances and XXXX in fees. 
XXXX ; Automated payment occurred on the account that I forgot to turn off that was spat out for insufficient funds. The payment was going to apply only to balance transfer amount of XXXX, as no other purchases or transfers occurred on the card since then. 
XXXX ; Automated payment is returned, but is now classified as a standard purchase with 25 % APR. 
XX/XX/XXXX - interest on balance charged of XXXX XX/XX/XXXX - interest on balance charged of XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - interest balance charged of XXXX XX/XX/XXXX - interest balance charged of XXXX XX/XX/XXXX - CC holder, during financial consolidation, realized that interest was charged on the account. CC holder calls the company to rectify this classification of APR balances. The CC company agent assures the holder that a case would be opened and that a favorable resolution seemed possible. Was promised a Communication in 7-10 business days with a resolution, but no incident number created and no email received acknowledging the cal XX/XX/XXXX - No communication since. CC holder calls the company to see if a resolution occurred. CC holder is put through some hoops before the department in charge of balance transfers told me that nothing can be done due to the terms of the agreement and thus the interest payments would stand
Consumer complaint received 2020-11-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe (CA)

CONTINENTAL SERVICE GROUP INC A DEBT COLLECTION AGENCY Tell XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX Creditor Fake Account XXXX Name XXXX XXXX  XXXX Total {$50.00} Reason, I never studied in this college and they didnt accept my admission application, and they were keep sending me email for admission form fees with out accepting my applicant, even I filed this college complain about their XXXX  behavior to Dept of Education during the application process I want to take a legal step after logging this case to CFBP, please see in your attention .for immediate any queries, its my direct number XXXX ( XXXX ) XXXX
Consumer complaint received 2020-07-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I submitted a dispute to all three credit Bureaus on XX/XX/XXXX. I thought I was supposed to get something back from them by now. I've actually sent a second set of disputes to them and none of the credit bureaus have replied to those either. Its been 69 days and nothing. I want to file this complaint so the credit bureaus do their job. I'll give you a copy of the letters to show which accounts I am disputing.
Consumer complaint received 2022-07-05
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. (OK)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Acct # 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.
Consumer complaint received 2020-07-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a dispute to all three credit Bureaus on XX/XX/XXXX. I thought I was supposed to get something back from them by now. I've actually sent a second set of disputes to them and none of the credit bureaus have replied to those either. Its been 69 days and nothing. I want to file this complaint so the credit bureaus do their job. I'll give you a copy of the letters to show which accounts I am disputing.
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit history has been excellent ( i.e., 0 % utilization rate ; 100 % ontime pymts past 7 years ; XXXX open mixed accounts ; all other paid accounts in good standing ; XXXX small pd tax lien in XX/XX/XXXX ( {$5400.00} pd in 3 months ) ; avg credit history 4 yrs 7 mos - XXXX account for 9 yrs ; XXXX for 8 yrs ; XXXX small car loan opened XX/XX/XXXX ( first car loan in 10 yrs ) and XXXX rate and term refinance 6 mos ago ; XXXX hard inquiries in past yr ( XXXX for refi in XX/XX/XXXX and XXXX for new home loan XX/XX/XXXX ). My TU XXXX score has been between XXXX and XXXX last three months ( including a score of XXXX TODAY ) but when lender ran Classic XXXX TU on these exact same factors on XX/XX/XXXX a score of XXXX was issued. This will increase my interest rate a full point. 
I contacted XXXX and her supervisor XXXX at TU starting at XXXX this evening and neither could provide a rationale for such a low score. The gist of the conversation was that lenders can evaluate whatever they please and a borrower will never know what information was used. 
My score should be much higher for all the effort I dedicate to caring for it. Meanwhile the lending industry 's shell game of " XXXX different credit scores '' continues to ensure that people with excellent credit will still be stuck with high interest rates. The endless choice of models based on using credit ( or not using credit ) guarantees every lender an excuse to bleed borrowers no matter how strong their credit history is. 
Please investigate my complaint into this " rigged '' system, especially the following : 1. I believe my credit score was unfairly used and manipulated to generate a false impression of creditworthiness. My " excellent '' set of credit factors for the banking, credit card, insurance and auto loan models inexplicably reversed into a " poor '' set of factors under a mortgage model. This is outrageous and TU ca n't explain it. If there 's no valid explanation ( and how could there be? ) TU must be encouraged to report the data that is excellent/positive throughout all other models as excellent/positive on the mortgage model as well. 
2. TU needs to be able to explain why a set of positive parameters under one model becomes a strong set of negative factors under another. 
3. Please also lobby to halt the practice of allowing the credit bureaus to have hundreds of scores designed to penalize consumers no matter what their credit situation is. 
I need a response quickly due to escrow closing XX/XX/XXXX and I 'm facing a full % point increase if these reports are not corrected. All efforts to expedite action will be deeply appreciated. 
XXXX XXXX
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (HI)

Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. There has been a warning on my report to not approve such things. My credit report with Equifax is a complete mess, full of inaccuracies, and they have chosen not to deal with it. This is unacceptable. Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to grant credit, credit access, credit inquiries, and other things. These entries should and shall be removed.

I have been locked out and I am unable to have my account restored, even though I am paying a monthly subscription fee to Equifax. I can not get access. My score reports back as "? '' and everything is hidden, unavailable, or technical errors pop up. I have talked with Equifax many times, I have verified myself over the phone, they have acknowledge they are in receipt of my unlock requests, yet, I still can not gain access to my account, credit report, score, or any other credit related information. I am 100 % locked out and I can not do anything about it and Equifax refuses to resolve the issue,
Consumer complaint received 2020-12-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 50 days since I sent my letter and I have yet to receive a response. I feel like I my disputes are being ignored and I am being taken advantage of. It is stated in secton 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately remove them from my credit report. It has been over 50 days so they should be deleted at once. I demand these accounts be deleted immediately or I will have to file for litigation. This situation has caused stress and has negatively affected my living situation. My information was also impacted by the XXXX  Data Breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX I attempted to lift a security freeze with Equifax so that I could switch to a different cellular carrier. I did this through their automated system which stated the freeze was lifted but when trying to run a check through Equifax the report still came back as frozen. 

Over a three hour period I talked with three agents none of whom were able to resolve the issue and when I asked to be transferred to a supervisor I was disconnected. This morning ( XX/XX/XXXX ) I again tried to go through equifax and the agent was unable to resolve the issue and stated that no supervisor was available and the only way to contact a supervisor would be to start the entire process of getting through their automated system to an agent ( which takes 10 to 15 minutes ) and then getting the agent to check whether there is a supervisor. 

I tried to check the credit report again this morning and it still shows as frozen when checking via any external site so Equifax states that the freeze is lifted internally however when a query is made from an external firm it still states it is frozen. It has been nearly 24 hours since I started this process and Equifax has provided no means to resolution. I placed the freeze in place originally because of the Equifax breach and now I simply want to release it for a short time or even permanently at this point.
Consumer complaint received 2020-07-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

My problem is with both Equifax and XXXX. 
I have been trying, unsuccessfully to get my name corrected. I have contact both more than once. 

Each needed personal information. Which I sent. 
All I have been trying to do is remove the middle initial " XXXX  '' from my name. I do NOT have a middle name. 

XXXX - did NOT address my issue, but instead sent me a copy of my credit report. 

Equifax required that I send via USPS, a copy of my drivers license, social security card, and recent utility bill, which I did about 2 months ago. They say they never recieved it. 
So now, my vital personal information is floating around out there in someone elses hands. Someone can now use that information to steal my identity, because they have no secure online way of me sending my information via email or on a secure website. 
I filed a complaint about this with them - no reply. 

Both agencies are next to impossible to deal with, let alone get information corrected. 

What can I do?
Consumer complaint received 2020-07-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America had fraudulent debits to my account last year and reversed all the disputed transactions and also closed my checking account and opened a new one. This involved a lot of inconvenience and till date have not shared with me any root cause of the issue. Today I noticed a debit of {$10.00} created a company called XXXX out of XXXX XXXX. They have created a recurring debit. There is no way this happened due to my fault as I dont use Bank of America debit cards nor do I store it anywhere. So I am concerned that BofAs internal processes are weak and this is leading to compromising my account. Pl investigate and ensure that they invest in proper infrastructure/ systems to fix this thanks
Consumer complaint received 2022-11-05
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: Experian Information Solutions Inc. (OH)

On XXXX I disputed the completeness and accuracy of a trade line being reported to my credit report. I was requesting account level documentation stating my agreement to do business with XXXX XXXX. I also sent a letter to the Credit reporting agency to remove the incomplete or inaccurate information. Neither company complied to my request. Instead capitol one wanted me to send them supporting documentation for my request. 
I requested with a second letter to XXXX XXXX to do another investigation and another letter to XXXX and experian to reinvestigate the request.
Consumer complaint received 2020-07-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

On XXXX2016 the ambulance transported me from the ER to the main hospital. I was diagnosed with a XXXX ( XXXX  XXXX ), XXXX XXXX and at last XXXX  ( which was the main reason I went to the ER ) but then they found the XXXX and XXXX XXXX. They admitted me immediately into their main hospital. The ambulance company or hospital miscoded the transport as a non-emergency which should have been coded as emergency. My insurance company does NOT pay for non-emergency transports which leads me to this problem. I had gone back and forth with the ambulance and hospital to have them recode the error but NO ONE took responsibility and haven't heard anything for 4 years so I thought the ambulance company let it go. Now I'm in the process of refinancing and the collections came up for {$1600.00} and now it has restarted up once again. Had they coded this correctly my insurance would have paid their negotiated fee and I would have paid the remainder. But of course that did not happen so now they want the entire {$1600.00} transport fee. NOT FAIR, I feel as I have been scammed. I have seen this on XXXX  XXXX news where ambulance companies deliberately miscode knowing the insurance companies do not pay for non-emergency transports. I have been done a great injustice. I am a recent widow and raising a teenage granddaughter. This is a large amount and the collector will not work with me they of course want the whole amount. There is no negotiation with them. Please help!
Consumer complaint received 2024-02-02
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. (AZ)

I am writing to bring to your attention an instance of inaccurate and misleading reporting by Experian, one of the major credit reporting agencies, regarding my XXXXXXXX XXXX XXXX account. The information provided on my credit report not only violates the Fair Credit Reporting Act ( FCRA ) but also contravenes the Consumer Credit Protection Act ( CCPA ) and the Privacy Act.

Misleading Reporting of XXXX XXXX XXXX  : Experian is reporting my XXXXXXXX XXXX XXXX  with a charged-off status and a past due balance of {$2800.00}. The report also indicates a continuous monthly charge-off in the payment history section, providing inaccurate information about the timing of the charge-off. This violates FCRA regulations, particularly 15 USC 1681, which requires the accurate reporting of credit information.

Unauthorized and Misleading Reporting of Payment History and Balance : Experian is displaying {$0.00} paid each month after the charge-off, along with a consistent representation of the charged-off balance of {$9300.00}. This practice not only breaches FCRA guidelines but also infringes upon my privacy rights as per the Privacy Act ( 5 USC 552a ). All payment history is private information, and I did not provide authorization for such sensitive data to be disclosed in this manner.

Current Legal Status of the Account : Additionally, I would like to bring to your attention that XXXX has filed a lawsuit against me regarding this account, and a stipulated judgment has been signed and entered into the record by the judge of XXXX XXXX XXXX XXXX. The accurate status of the account is currently in good standing, being paid to XXXX through their legal counsel. 
I am deeply concerned about the potential adverse effects these inaccuracies may have on my credit standing, especially considering the legal resolution in progress. Therefore, I request the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter and take appropriate actions to rectify the inaccuracies promptly.

Enclosed with this letter, you will find supporting documentation, including proof of the inaccuracies, the stipulated judgment, and relevant legal provisions. I trust that the Consumer Financial Protection Bureau will address this complaint expeditiously and ensure the accuracy and fairness of my credit report. 

Thank you for your attention to this matter, and I look forward to a prompt resolution.