davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-30
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: Diverse Funding Associates LLC (MA)

There is this account on my XXXX credit report that I do not recognize, I dont know who the data furnisher is and the account is showing that it was XXXX in bankruptcy but the problem is that I never had an account with this company called XXXX XXXX, there is no phone number being reported and it says that the account was opened in 2014. I have disputed this account with XXXX and XXXX   also and for some reason they told me that the account was verified as accurate. I know this cant be right because like I said I never had an account with this company. I asked XXXX and XXXX for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes. This is affecting my credit worthiness really bad.
Consumer complaint received 2019-05-30
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. (AZ)

Disputed several errors on XXXX credit report. I cant access the credit report online anymore.Tried three different times. No response to mail or email.
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

According to the Fair Credit 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. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

This day is not mine and it has never been mines this originated from my son who was at the time XXXX years old and he had health insurance at the time which was medical do this state because he was receiving social security XXXX and I told this creditor this was not mine this is my child into charge medical for this emergency rooms is it which they shouldn't charge them for but if it was going to charge him they should have put it to medical because he had health insurance I don't know how this got in my name and I don't owe this because it's not mine and they should have built medical when I attempted to explain the situation they told me that any told me that they can't look it up because it's too old and I no longer have any record of it this is not my eyes every time I try to dispute it it says it's accurate that it's mines and it's not I want it off my credit report is affecting my credit
Consumer complaint received 2019-05-30
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. (UT)

On XX/XX/XXXX, {$480.00} was charged to my Citi Mastercard for XXXX XXXX. I, nor anyone on my behalf purchased airfare.

On XX/XX/XXXX, I discovered the fraudulent charge and notified Citi. They closed my card and issued a refund.

On XX/XX/XXXX, Citi reversed the refund issued and placed back the fraudulent charge of {$480.00}.

On XX/XX/XXXX, Citi card emailed me at XXXX requesting that I verify that I have reviewed my statement and still confirm that I am disputing. I responded that same day at XXXX confirming that I nor anyone authorized by me made this charge or received any benefit from this charge. Received a copy of the response from XXXX XXXX and a copy of the ticket. It did not reflect correct information that even matches my husband 's name. The middle name listed on the flight information says XXXX, but my husband 's middle name is XXXX. It also shows an email address that is not an email address we have and the phone number listed is not our phone numbers.

On XX/XX/XXXX, I spoke to XXXX XXXX in the Citi credit card fraud department. She stated that the matter would be resolved in 7-8 business days.

On XX/XX/XXXX at XXXX, I spoke to XXXX   who stated that there were no updates on the account since the last conversation on XX/XX/XXXX. She stated that she sent the request to be expedited and will follow up with XXXX XXXX and the merchant. She also stated that it should be resolved by time the billing statement ended on XX/XX/XXXX or XX/XX/XXXX. On XX/XX/XXXX at XXXX, I spoke to XXXX  in Citi card fraud department. He told me the refund had been issued on XX/XX/XXXX. I explained that I had checked my credit card statement and no refund is reflecting on my account. He hung up on me at XXXX. I immediately called back again and spoke to XXXX in Citi card fraud department. She stated that she is raising a formal complaint and it was unknown when the issue would be resolved.

Currently, as of XX/XX/XXXX, no refund has been issued back for the fraudulent charge of {$480.00}.
Consumer complaint received 2019-05-30
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. (NV)

According to the Fair Credit 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 XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX,
Consumer complaint received 2019-05-30
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. (AL)

According to the Fair Credit 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. 

XXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX   XXXX ;
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the Equifax data breach & may have got into the hands of the wrong person.
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO. (GA)

Chase refuses to cancel the " XXXX XXXX '' service I never signed up for because I have no active accounts with them. I closed out and paid off all balances due so when I call they can not find an account to remove me from this service. I have tried 5 times to talk to someone and no one can remove me from their list. I do not authorize this service.
Consumer complaint received 2019-05-30
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. (VA)

I filed and faxed the ftc report over to experian and they took some stuff off of my report i called in to dispute the rest as they should have the ftc report and delete the items some smart lady who was nasty told me sorry i cant help u u just have to deal with it. Your ftc doesnt meet the requirements and then hung up on me. Now there are serval collection account that dont belong to me and 13 inquires and 3 closed accounts that i have no aware of this is crazy im XXXX yrs old woman not computer savy and some one has been living as me getting loans and all in my name.
Consumer complaint received 2019-09-12
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: The Bureaus, Inc. (LA)

Hello, I been talking to XXXX by phone about a dispute that they reinvestigated 3 times already, the first report which was created on XX/XX/2019 as it read Account Dispute Opened We have opened your Account Dispute The dispute for the account with THE BUREAUS INC that starts with XXXX has been received and should be completed by XXXX.which at the time I submitted all documents to support my claim, that I sent a certify letter to the address that they was reporting to the and it came back returned with no forwarding address, and the finished their investigation on XX/XX/2019 that read THE BUREAUS INC Account XXXX This item was removed from your credit report. Please review your report for the details. 
Show Details | View your Report | View your credit score Deleted then on XX/XX/XXXX, THE BUREAUS INC re inserted the account back on my credit report THE BUREAUS INC has flagged your account as Collections. 
Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency XXXX has investigated this matter twice and now the report comes back as verified or THE BUREAUS INC Account XXXX The company that reported the information has certified to XXXX 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. 
View your Report | View your credit score Remains please look into this matter as I spoke with reps of XXXX as they tell me the can find anything that says this matter was deleted from my file
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Khols / Cap.One XXXX XXXX XXXX On XX/XX/19 i made payment of {$100.00}, confirmation # for this payment XXXX On XX/XX/19 2nd payment {$170.00} confirmation for this payment - XXXX. 
XXXX flagged my acct.as charge off. 
Their explanation : charge off isaction of transferring account deemed uncollectable to a catagory such asbad debt or losx. Collector 's will usually continue to solucit payment but account are no longer considered part of a companys receivable r profit picture. A charge off may negatively impact credit score. 
Not one off these credit beurra has updated my account. 
Everything says derogatory / profit loss
Consumer complaint received 2019-09-12
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. (LA)

I'm trying to figure out why my credit score dropped recently ( beginning of XX/XX/XXXX ) around 20 points. When I logged into the Experian website, it said I had 5 new late payments which were my student loans. What I'm confused about is these have been on  my credit report as being in collections since XX/XX/XXXX. Why are they suddenly coming up as NEW late payments and causing a drop to my score? Secondly, I am rehabilitating my loans with an assigned collections agency and am up to date on my payments with them since XX/XX/XXXX. 

I have disputed this on their website along with calling them and I can get no answers as to why this has happened. They say they understand what I am asking but can not give an answer as to why it's saying this and why my credit score dropped. Secondly, I have tried to upload screenshots to illustrate my point, and their page experian.comXXXX is not allowing me to upload documents. The page seems to be very poor, almost like they're making it difficult on purpose. First it said my time expired after only a few minutes when I tried to submit them. Then after converting the documents to the one of the two formats they accept and to a file size they accept, it said that the files we're too big. Very frustrating. 

Explanation of documents I uploaded here. The same ones I was trying to upload to their site : Document 1 : Screenshot of my Experian account saying I have 5 new late  payments from around the beginning of XX/XX/XXXX. 

Document 2 : Screenshot of my payment history on Experian site. See how it says first reported on XX/XX/XXXX. But my credit score dropped in XX/XX/XXXX for NEW missed payments. Also, the payment history is incorrect as shown by Document 3 which is my payment history with the collections agency. 

Document 3 : Payment history with the collections agency. 

Document 4 : Another question is why does it say here in my Payment History for XX/XX/XXXX that my payments are " on time '' and the box is " green ''? All my other loans which are with the same collections agency have an " FP '' ( Failed to Pay ) and a " red '' box?
Consumer complaint received 2018-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (NY)

I have power of attorney for my brother who holds this c/c. I have complete financial control. For more than a year, I have not been able to get onto the website to pay the bill and when I mail the payment, it arrives late. In both instances we are continually charged finance charges. I have had to send the notarized paperwork twice ... they keep losing it. I was told that when the account was up to date, the website tech people would get me on the website to make payments easier and faster. The tech people tell me they have no access to the powers of attorney paperwork and refuse to allow me access and send me back to customer service. 

The last time I spoke to customer service in XXXX, I asked for the full payoff, as I was planning on canceling this c/c. I paid the amount I was told and today, received yet another bill for yet unpaid prior balance with more finance charges. No one can validate the charges and I am being forced to pay " blind '' the amount they state and interest on top of it. 

This is all totally unacceptable. I am canceling this card and the card was taken from my brother after the last phone call to the company. 

US bank was totally unhelpful, uncooperative and I am still unable to access the website to validate these charges.
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

The FCRA recently passed a law stating that a person or business must have permissible purpose to initiate an inquiry. Section 604 I have contacted the credit bureau recently and they have not sent me any information showing that I have any of the companies permission to pull my credit. I have asked them to send me documentation or a Copy of an agreement or even my ID showing I have the company permission or that they had permissible cause, and they have failed to do so. I also informed them that an fraudulent address in MD has been used to try and obtain credit in my name. Ive never been to or lived in MD. I havent even visited. 

Accounts : XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX/ XXXX. XX/XX/XXXX
Consumer complaint received 2019-09-12
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. (MA)

I was a victim of identity fraud. Some applied for a personal loan using my social security number with the company XXXX XXXX XXXX XXXX. The loan was declared fraud but an inquiry was still put on my TransUnion credit report. I was sent a deletion letter by XXXX that I sent to TransUnion along with a letter that I wrote asking them to remove the inquiry because it was fraud. The inquiry has not been removed from my TransUnion credit report yet.
Consumer complaint received 2019-09-12
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. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. THOSE INQUIRIES WERE NOT AUTHURIZED BY ME, PLEASE CONDUCT A REINVESTIGATION AND HAVE THOSE INQUIRIES REMOVED.
Consumer complaint received 2019-09-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (MI)

I called the loan company ( LoanatLast ) ( XX/XX/2019 ) because I had two payments ( {$98.00} ) each taken out of my account within two weeks. After asking a few questions I was informed that I am paying interest 675 % per day on the initial load of {$750.00}. This amounted to approximately {$95.00} of interest per day. I ask for the payoff and it was XXXX as of today. I did pay it off over the phone. My complaint is that no place in the contract does it state that interest was charged by the day.
Consumer complaint received 2019-09-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, Im writing this complaint regarding an inquiry I have displayed on my Transunion credit report since XXXX, XXXX 2019. The inquiry is listed as XXXX, XXXX, XXXX XXXX XXXX. I have contacted the company and was informed that they have no such record of me in there system. The company XXXX, XXXX, XXXX XXXX XXXX, has made me aware that this is an issues with TransUnion. I have contacted TransUnions dispute phone number and have been told they can not do anything else I send in a deletion letter from XXXX, XXXX, XXXX XXXX XXXX, the company can not write a deletion letter as they have no record of me in their system and are not sure why this is on my report.
Consumer complaint received 2019-09-11
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: Experian Information Solutions Inc. (CA)

XX/XX/2019 I disputed 2 accounts that were on my credit report. 

I asked for method of verification on how they they verified the accounts. All I got back was a letter saying that the accounts had been verified and they were staying on my credit report.
Consumer complaint received 2019-08-29
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: Experian Information Solutions Inc. (NY)

I have been trying to get your attention in removing accounts showing in my credit report that do not below to me, such accounts are : XXXX XXXX XXXX # **** ; and XXXX XXXX   XXXX # XXXX****. 
In the pass my identity has been stolen, due to data breaches in XXXX, and other companies, causing great harm to my credit worthiness.
Consumer complaint received 2023-09-26
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: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and to give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to correct the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX