davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
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: Experian Information Solutions Inc. (TN)

I financed a service through XXXX but never received it. After investigating my complaint, XXXX resolved the issue and issued a full refund. 
I disputed this charge with Experian and requested that they remove all negative marks from my credit report related to the XXXX account, providing supporting documents for verification. 

However, Experian claimed they investigated and determined the debt to be accurate, stating the following : " XXXX XXXX Account XXXX Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' This information is incorrect and outdated, as my XXXX account shows the debt as paid in full/refunded.
Consumer complaint received 2021-08-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) as well as 15 US Code 1681 the former was reporting inquiries without my permission and the latter was accuracy and fairness of credit reporting. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-08-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2021, I sent a certified letter to Experian requesting the method used to investigate an account on my credit profile from XXXX XXXX, as well as all persons contacted and verifiable information received. They have violated the law and have refused to provide any of the information that I requested to ensure that this negative item was disputed correctly and fairly
Consumer complaint received 2020-07-22
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. (GA)

There are several items that are reporting inaccurately on my credit report : INCORRECT PERSONAL INFORMATION : Names : XXXX, XXXX, XXXX Address : XXXX To XXXX Ct ( XXXX ) Address : XXXX To XXXX Ct ( TU & XXXX ) Address : XXXX To XXXX Ct ( XXXX ) THESE ITEMS DOES NOT BELONG TO ME. IT IS REPORTING EITHER IN ERROR OR BY MEANS OF IDENTITY THEFT : Bankruptcy Chapter - Chapter XXXX filed XX/XX/2013 ( TU & XXXX ) The following items are incorrectly reporting that I was late : XXXX   XXXX - Opened Date : XXXX ; Bal : {$650.00} ( TU, XXXX, XXXX )
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AR)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2017-12-11
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 (MS)

I had a dispute over {$490.00} charge and the cc company credited back to account and I have supporting data and letter to support this from the credit card company. Credit card company then rebilled same charge again on same day and billed me with interest and harassment calls 3 months later. The card was closed after credited the {$490.00} and yet the charge mysteriously appeared months later. 
Ive called twice, was transferred a minimum of 3 times, they still have no resolution and they claim they record all calls and Ive asked them to review their records of call made to me stating account is closed and all charges were at XXXX. I also reminded them of letter they sent me stating the credit and if they needed any other info from me theyd contact me. They never contacted me. They simply started billing me finance charges, and made phone calls to me on Sunday asking me for resolution to my bill. What a joke!
Consumer complaint received 2023-01-12
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: EQUIFAX, INC. (GA)

In accordance with the Fair credit Reporting Act the list of accounts below has been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX account # XXXX Has violated my rights 15 USC 1681section 602 A,. States I have the right to privacy 15 USC 1681section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( a ) ( I ) 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 2018-06-14
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: TD BANK US HOLDING COMPANY (NY)

after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX XXXX   remove I have disputed by mail with all three credit bureaus. act # XXXX owing an alleged {$2200.00} Td bank orig creditor target
Consumer complaint received 2018-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The two collection accounts below are not mines. i have disputed these with collection companies. they posted debt prior to giving me 30 days to dispute charges, with is against FTC regulations. 

1. XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX {$3900.00} {$3900.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX {$5500.00} {$5500.00} XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX The accounts below are more than 7 years old and should have been deleted. 

1. XXXX XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX 3.XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Experian credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX Date opened XX/XX/2020 Balance : {$3000.00}
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

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 2018-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CA)

I want to file a complaint against, DIVERSIFIED CONSULTANT XXXX XXXX XXXX XXXX XXXX, FL XXXX, Re : Acct # XXXX. The claim I owe {$1900.00}. 
On XX/XX/XXXX and XX/XX/XXXX I wrote and sent certified letters to DIVERSIFIED CONSULTANT regarding Acct # XXXX. ( See Attached letters ). After finding out about this negative accounts on my XXXX  XXXX account I submitted the validation letters. 
They have failed to satisfy my request and validate the debt they claim I owe them. This is drastically affecting my credit and I need help taking care of this matter.
Consumer complaint received 2016-12-02
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (MD)

In XXXX, I got an XXXX XXXX, COSTCO branded credit card that I used extensively and with no problems, no late payments, always paid my balance in full each month. COSTCO transferred that card to Citi in the spring of XXXX and my XXXX card was cancelled and I received a Citi VISA card. This was quite an annoyance since I had over a dozen automatic accounts on the Internet and elsewhere that referenced my now-defunct XXXX credit card. Later that XXXX, a merchant issued a credit for over {$4000.00} to my defunct XXXX card that was sent to Citi, I decided to use that Citi card extensively to " spend '' that large credit. Then on XXXX XXXX, I paid the balance on my Citi card, completely with a {$250.00} payment using an ACH withdrawal and auto payment from my XXXX XXXX bank account. My intent was to use another XXXX XXXX credit card account and terminate the Citi card. In error, on XXXX XXXX I sent an ACH payment of {$2500.00} to my old, now defunct XXXX account instead on my new XXXX account and that was automatically routed to Citi! I discovered this error a few days later when I received an email from XXXX noting a missed payment and assessing my with interest and late fee penalties.I immediately called Citi and XXXX to notify them of the error- I asked that my Citi overpayment be refunded and sent another check for {$2500.00} to XXXX. 
A few days later, another merchant applied a credit of over {$5000.00} to my defunct XXXX account- and it to was transferred to the Citi account creating a credit of over {$7800.00}. I called Citi again on XXXX XXXX requesting that I be issued a check or a direct deposit for that balance and I was told that it would be done- in 3-5 days over a recorded line. 
On XXXX XXXX, I called again and made quite a fuss to a sequence of Citi employees over a recorded line. In essence, I was told that the " 3-5 '' days was the time to issue a check AFTER an investigation was completed and that there was no timeframe for that- it could be YEARS! I even had my bank on o conference call where they confirmed that the {$2500.00} was in fact paid on XXXX XXXX to a Citi supervisor. I asked them to issue a check, and call me when the matter was resolved. As of this moment, I have heard nothing.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am out the countryat and I can't get my credit report because it said XXXX is NOT available. It should be optional to check for the location of the person who request the info. or ask before checking
Consumer complaint received 2021-04-09
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. (CA)

Dear XXXX XXXX XXXX c/o CFPB. 
( 1 )  I have XXXX student loans with XXXX. On one student loan with XXXX  account, TransUnion did NOT even report student loans payment information to XXXX for the entire year of XXXX, even requested to TransUnion many times in XXXX and XXXX. 

( 2 ) TransUnion publicly displayed a close variant of my social security number as my personal phone number in TransUnion credit report-making me a fraud victim. Thus, money was stolen from my bank account due to TransUnion displaying a close variant of my social security number as my personal phone number in TransUnion credit report. 

( 3 ) TransUnion willfully deleted my periodic payment accounts causing Credit Score to drop thus, preventing me in getting a home loan and a business loan at that time and those opportunities are forever foreclosed.. 

( 4 ) TransUnion allowed other unauthorized companies to review my credit report I violation of my privacy rights. 

( 5 ) Very Critically, TransUnion and TransUnion 's external lawyer ( listed below ) are NOW engaged in Witness Tampering - so that I can not ever complain to ( i ) CFPB and ( ii ) California Attorney Generals Office regarding TransUnions pervasive Abuse and Misconduct. 

XXXX XXXX XXXX California XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX & XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX : ( XXXX ) XXXX Fax : ( XXXX ) XXXX CC. XXXX of California Attorney General & State Bar of California
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

My accounts have been hacked so I put a lock at the credit rating agencies. I lost my password for Experian. They told me for {$20.00} overnight me the information to unlock my account I asked them to do it. The next day in the mail was a credit report and they build my account about {$40.00}. And I called back the next day they told me I had to pay another {$20.00} to get the information I had already paid {$40.00} forBut was told would only cost about XXXX. So I had them do it again. I then had to spend about 100 hours on the phone filling out multiple forms multiple times being told multiple things from multiple people much of it conflicting. I have filed multiple complaints with the consumer financial protection bureau regarding XXXX and Experian has responded every time but they have never answered my question. My question always was why did they make meSpend about 100 hours on the phone to get my XXXX bucks back? They responded to my complaint three or four times but they have never answered my question. I think XXXX XXXX works for them because theyve always dance around my question
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

The Federal Trade Commission provides the following information regarding credit freezes : " If you request a lift of the freeze, the agency must lift it within one hour ... You also can lift the freeze temporarily without a fee. '' I have repeatedly and unsuccessfully attempted to temporarily lift a freeze on the Equifax web site on XX/XX/XXXX. Subsequently, on XX/XX/XXXX I called the Customer Service phone number ( XXXX ) XXXX. No issues were reported by the automated system performing the security checks. I was on hold for 30 minutes. After providing additional information to the customer representative, she informed me she did not have sufficient information to confirm I am the account owner. I was requested to mail proof of identity including driver 's license and SSN card. I asked to speak with a supervisor. After 30 min, the customer service rep informed me she would transfer my call to a supervisor, and put me back on hold. After another 30 min I talked to the supervisor. The supervisor asked me the same questions, repeated she was no going to be able to help me, and pointed me back at the web site. 
This violates the legal intent to make the process friendly and accessible. Equifax is demonstrating disregard regarding the customers ' time by complicating the process and not providing explicit information to help resolve issues.
Consumer complaint received 2018-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

Barclaycard credit cards stopped sending me credit card statements for years. They sent my statements to a wrong email address that was not mine, thus violating my privacy. As a result of changing terms and conditions, I was not aware of my interest rate or the expiration of my promotional rate, and was charged almost 25 % interest for over a year without my knowledge. When asked for rectification, Barclaycard did not help me nor show any desire to help me. They have violated my right to view a monthly statement and to review any changes to my agreement with the company. If I had known of the specific amount of interest I was paying, the amount on the card, or any of the other information I'm entitled to each month, I would have paid off more or transferred the balance. Instead, this has created a financial hardship to the tune of {$1500.00} in interest that I would have saved had I received even one statement. I suspect either fraud or negligence on the part of the company, neither of which should be my responsibility.
Consumer complaint received 2017-05-25
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. (OK)

I sent a dispute certified mail dated     XXXX   XXXX  , 2017  r egarding erroneous reporting on my Equifax Credit Report ; with a Creditor. I referenced the account number listed on the Equifax Report for an "  Unverified  Account. '' I had    XXXX     accounts total reporting from this  Creditor and three  of those were an asset to my credit report, and were validated as mine. Equifax erroneously removed ALL four causing a very detrimental affect to my credit score and reporting. Removing   XXXX   good standing accounts, shortening my length of open credit and good pay history ; this was a poor decision of Equifax . One of the three  accounts is one that I am still paying on faithfully without  one  missed or late payment for the past seven years. " Deleted ''. The other two were paid in full account with no late or missed payments. " Deleted. '' Only one which was negative did I dispute and it was removed.     When I got the update in the mail, dated,     XXXX   XXXX  , 2017    , I immediately contacted Equifax for correction. When calling I received a very rude and insensitive representative that continued to tell me that I disputed the accounts and when referencing the dispute letter I sent she said, well you need to contact the Creditor ; after not being able to justify the error.     The  Creditor  is saying we need copies of the report and we may not be able to assist you with the paid off closed accounts, but the open one that your still paying on we can research. This is time consuming, and unfair. This seems intentional and no one is willing to help as I am in the middle of credit crisis and financial investments  may  fail.
Consumer complaint received 2023-03-29
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC (AL)

Veterans United raised my income {$1000.00} to qualify me for the loan. They had my bank statements, Im a fixed income. It doesnt change. 
Veterans United, Real estate agent, listing agent, appraiser, and title company pushed this loan through with one deed, one parcel. Knowing the VA doesnt back loans with acreage. .76 acres instead of over 8. After closing I was informed it was an honest mistake the seller produced the 2 other deeds. That I was to now come pick them up take to tax assessors office have them now combined and have the property assessed! I didnt sign a contract that stated any of this! 
They learned to bypass the red tape! It should not have ever even got to that point. I didnt qualify for the loan! 
How did I close on my loan with only {$160000.00} homeowners insurance? When my loan is {$260000.00}? This is why the VA doesnt back single family residence with acreage. So, when my home burnt down XX/XX/, 2022 I was under insured. I went off the parcel number I was given the tax assessor when I got my insurance. So, now my home was a total loss but theres still {$98000.00} left on the loan. I asked if it could be modified? Nope because Im not occupying the home. I cant rebuild! I cant take the stress!! And I cant afford this loan because these people were greedy!! Im a XXXX XXXX XXXX XXXX XXXX veteran!! Why did this happen to me? 
XXXX XXXX XXXX XXXX Veterans United home loans XXXXXXXX XXXX Veterans United sold this mess to XXXX XXXX! 
If I were XXXX or the VA Id be upset!!
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (ID)

Due to COVID closures I was furloughed and my boyfriend was laid off for a month and we are still not full time. I had to pay rent and other priority bills at that time and prior to missing a payment I had made multiple attempts to reach out to the credit card company to make arrangements where I was complaint and in good standing. So that a hit would not be applied to my credit. Im currently making double payments since the missed month and I would like the credit company to reconsider their recording of a missed payment since they were non responsive and didnt allow me the opportunity to be up to date with my account. 

XXXX has made no attempt to respond to my calls or my letter than I had sent in XXXX. When I call I keep getting a recording and no one will answer. How can I be a compliant card holder with a company that is non responsive. 

Requesting to remove missed payment from credit agencies.