davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-29
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)

XXXX removed XXXX open installment accounts ( auto loan /personal loan ) from my credit bureau that are active, open and paid on time. XXXX do not provide accurate date of first delinquent payment for removal of derogatory account ( XXXX ). XXXX, Trans Union XXXX did not verify late payments in each dispute submit to data furnisher. The XXXX credit reporting agencies does report XXXX separate late payments without validation. XXXX, Trans Union, XXXX will not provide me with verification methods to support required accurate or complete data to validate inaccurate late payments. XXXX, Trans Union, XXXX ignored my rights to have/see the complete re-verification method requested. On each separate dispute that involved several derogatory credit reports that cause me distress and headaches every day affect my personal life balance, credit well-being are immediately impacting my home ownership abilities the right to a quality of life cause damage to manage my personal and business credit.
Consumer complaint received 2022-01-10
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. (RI)

I opened a XXXX XXXX account ( stupidly ) in XXXX. It was stupid, not proud of it. I have paid for it. 
XXXX ( creditors ) have been falsely reporting it as opened in XXXX. When I call them about it, they say its a typo and tell me to just wait for it to come off When I asked the credit bureaus, specifically Experian, to please verify it, they said its verified. I asked how- being that even the creditors themselves have admitted it is incorrect information. They say we dont have to disclose to you any verifying documents. I asked, repeatedly, how they could have possibly verified the dates being that even the creditors have admitted they are wrong. They tell me take it up with the creditors. I tell them I have. Over and over again for the past year. They ignore me. 

Im at a loss. Its illegal to report inaccurate information but nobody seems to follow the law. They hang up on me, laugh in my face, tell me to just ride it out. 
I dont want to ride it out. Its against the law. Its illegal to be reporting something as XXXX when it was a stupid mistake I made as a kid. 

Experian has lied about verifying the information. They havent. They have no documents. 

This is illegal and needs to be removed from my credit report.
Consumer complaint received 2024-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under XXXX  according to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (WA)

American Express and I entered into a Financial Relief Payment Arrangement where I agreed to pay a monthly amount and they would not report the account as delinquent or incur any late fees. I have attached a copy of the agreement as well as the statements from the months where they have indicated I was 30 days late which is XX/XX/2021, XX/XX/2021 and XX/XX/2021.
Consumer complaint received 2022-11-07
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-11-29
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. (FL)

Experian failed to provide BY MAIL my request for documents proving these XXXX lease accounts from XXXX XXXX are mine. They are not and they can not prove them as mine. They are willfully being non compliant by violating FCRA, not responding to me in a timely manner and providing the documents I requested. This is nonsense and unacceptable. I know my rights and I will if necessary take the needed steps to sue them, and file a complaint against XXXX for not doing its job enforcing FCRA. 

XXXX accounts : XXXX and XXXX
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XX/XX/2022 I received a credit card from XXXX XXXX XXXX in a name I haven't used in 4 years. Luckily it showed up at my mailbox. I contacted XXXX XXXX  XXXX, spoke with XXXX in fraud and filed a fraud complaint ( case # XXXX ). XXXX assured me their fraud department would take care of this, the inquiry would be removed from my credit report ect. I then went to Experian, froze my credit and placed a fraud alert on it. XX/XX/2022, I receive an email about ANOTHER credit card I had been approved for thru XXXXk XXXX XXXX. This time, however, due to the other situation and placing a fraud alert on my credit report and locking it down, XXXX XXXXXXXX XXXX actually contacted me. I spoke with XXXX in underwriting and explained to her what had happened in XXXX and she said they would mark the application as fraudulent and it would be taken care of ( which it was ) Fast forward to XX/XX/XXXX and I had my credit pulled for another reason and sure enough, on my report, shows an active account with XXXX XXXXXXXX XXXX that was opened in XX/XX/2022. This account is now showing deliquent because it has a {$75.00} annual fee that hasn't been paid. First off, this account IS NOT active because I never activated it. I also had filed a fraudulent complaint with experian and they removed it and supposedly started an investigation. However, here it is again and experian said they completed their investigatin and that XXXX  XXXX XXXX said it was a " current active account '' and therefore remains on my credit. XXXX???? I have done everything on my end to take care of this and was told by both XXXX  XXXX XXXX and Experian it would be taken care of. Experian investigated (? ) nice investigation. First off, why would I apply for a credit card that isn't even in my name. XXXXXXXX XXXX XXXX says it's " accurate '' and so that ends their investigation? This is wrong on so many levels. I was failed by XXXX  XXXX XXXX and Experian. XX/XX/2022 I make contact with XXXX  XXXX XXXX 's fraud department AGAIN. This time I speak with " XXXX from Georgia ''. I ask so many questions and get no answers. 
All she has to say is " this will be taken care of '' ( case # XXXX ). I explain the XXXX process and she informs me there is no notes of anything ever being done on my account. WOW, good job XXXX  XXXX XXXX, sure am glad I actually don't have any accounts with you if that is how your fraud department works. I would apprecaite this all being taken care of. I have now filed XXXX fraud claims with XXXX XXXX XXXX for the same situation and 1 with Experian. I have locked down my credit and placed a fraud alert on my credit. Can we please get these companies to take care of the American consumer like they should be?
Consumer complaint received 2021-11-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CA)

I received a letter dated XX/XX/XXXX from Receivables Performance Management LLC ( RPM ) alleging that I owe a debt in the amount of {$1900.00}. The letter identifies XXXX XXXX XXXX XXXX ( XXXX ) as the creditor and XXXX XXXX XXXX ( XCL ) as the original creditor. I have never received any demand for money or allegation of debt from either XXXX or XXXX. I have never done business or had any contact with XXXX. ( Details regarding XXXX will follow the next paragraph. ) In my XX/XX/XXXX reply letter to RPM, I expressly disputed the validity of the alleged debt in its entirety and demanded, among other things, a full explanation of the factual circumstances in support of the alleged debt, specifically how and when the debt was created. I also demanded a copy of all documents that prove the existence of the debt. In its XX/XX/XXXX reply letter, RPM fails to respond to any of my demands, but instead simply breaks up the alleged amount of {$1900.00} into components, and changes the alleged original creditor from XXXX to XXXX. 

I recognized the name XXXX as a XXXX for XXXX XXXX, an auto-leasing business associated with XXXX XXXX XXXX XXXX XXXX XXXX ) but is now defunct. I leased a vehicle from XXXX in XX/XX/XXXX ( a two-year lease ) XXXX XXXX for XXXX. When I leased the vehicle, I was told by XXXX that I could terminate the lease at any time without penalty, except XXXX would keep my security deposit ( which I believe was around {$250.00} ). At some time near the end of XXXX, XXXX unexpectedly terminated the lease unilaterally and demanded immediate return of the vehicle, without explanation. All monthly balances under the lease had been fully paid. XXXX again told me that I would not be responsible to pay any amount for the remainder of the lease, and that XXXX would keep my security deposit. I returned the vehicle to XXXX in XX/XX/XXXX. I requested but did not receive written acknowledgement that the vehicle was returned and I was not responsible for any more payments. XXXX never contacted me again, and never alleged that I owed them any debt. The XX/XX/XXXX debt collection letter from RPM is the first communication I have received from any party relating to the XXXX XXXX since I returned the vehicle.
Consumer complaint received 2022-03-09
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. (CO)

When downloading my first report ( XXXX ), I tried to save, not print, the report, I timed out and had to log back in. Second, third and fourth attempts, without success, I called someone in the universe that connected me to a representative that said I had to subscribe to XXXX in order to save, not print, my reports. Great! free sign up BUT only for XXXX, not XXXX or TransUnion. 

Fifth attempt, the portal said I already accessed the reports ( I did not ) and would have to wait 7 days and try again. 

Why? 

I don't understand 1-How do you reach a HUMAN to discuss the current issue? 2-Why can't I save, not print these 60+ pages of each report? 3. It was a miracle I found the CFPB site, by accident, to ask these questions and perhaps by filing a compliant, we can get change ......
Consumer complaint received 2022-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CO)

I had an account with XXXX and someone hacked into my account information and ordered 10-12 phones from an address in XXXX. Whoever hacked my account had my address and were able to pick up the phones from my address when they were delivered and outside. I never received any phones. I have tried to correct the issue with XXXX but they are unwilling to send me to their fraud department and have sent a collection to the company I'm filing the complaint against for XXXX. Please help me resolve this issues. I am not willing to pay for any service or equipment i never received. It's obvious i did not use these phones and have never had any phones other then the one I used. Please assist me any way you can. thanks.
Consumer complaint received 2022-01-10
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. (FL)

I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.
Consumer complaint received 2021-11-29
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: CITIBANK, N.A. (PA)

Hello, I have hard inquiries on my acct that do not belong they are listed below. I would like them removed because they do not belong on my credit report. 
XXXX - CITIBANK NA, XXXX - XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX
Consumer complaint received 2022-03-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Applied Data Finance, LLC (IL)

I took out this loan a year and a half ago, I understand that payday loans have got high interest rates, but this rate is almost at 100 % interest. I have been making payments since XX/XX/2020 and still have almost 2 years left of payments left to go. I have paid off very little applied. On a {$2700.00} loan, only approximately {$350.00} has been applied to principal {$2900.00} has been applied interest. 
Although I understand that these loans are higher rates, I feel that this takes advantage of people in desparate financial situationswho feel they dont have any other options. I would like to see what can be done to get this loan closed out as soon as possible, since I have already paid a few thousand to this company.
Consumer complaint received 2022-03-09
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: EQUIFAX, INC. (MI)

This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX  XXXX XXXX Balance {$0.00}
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc. (PA)

Comenity Bank, the issuer of XXXX XXXX credit cards, recently ( XXXX of XXXX? ) issued a late payment notice to the three credit bureaus pertaining to an overdue {$60.00} bill from XXXX XXXX that I inadvertently overlooked my husband assumed that the account had been set up for autopayment of the full amount and simply put the statements aside for later filing. The account was opened I believe in XXXX of XXXX. I became aware via a telephone call of the two-month overdue payment on XX/XX/XXXX of XXXX and paid the balance due in its entirety that same day. The fact of the late payment and the mitigating circumstances behind it are both clear and have been communicated to Comenity Bank Comenity Bank is in receipt of an exchange via their website ( XX/XX/XXXX ) and two subsequent letters to them ( on XX/XX/XXXX and XX/XX/XXXX ) attempting to clarify the extenuating circumstances in the hopes of achieving credit history relief, all of which have been unsuccessful. I do not understand the basis for Comenity Banks dismissive responses to my inquiries. 

I am a XXXX year old woman with a decades-long spotless credit history, and this notice has had a significant impact on my otherwise excellent credit history, and the long-term ramifications at my age can be significant. I would hope that systems or regulations are in place to ensure that financial institutions provide reasonable oversight in the application of credit related tools, particularly for the elderly, to prevent either indiscriminate or punitive misuse of these tools. 

A timeline of significant events is included as the first page of the attached scan file, which also includes copies of the website exchange and of my two letters to Comenity Bank, as well as Comenity Banks denial responses. Again, this late payment issue was addressed in full on XX/XX/XXXX of XXXX, the day that I was made aware of it via a telephone call. Once more, my husband set aside the ( unopened ) initial statement pertaining to the {$60.00} purchase and the subsequent statements for later filing under the incorrect assumption that the account had been set up for autopayment which he did in fact do the same day that this issue was realized, XX/XX/XXXX of XXXX. 

Credit is extremely important to me, particularly at my age. I do not understand Comenity Banks refusal to pursue a course of remedy that their own Customer Service Department, who forgave the second penalty charge upon hearing the reason for the overlooked payment, indicated as a very reasonable course.
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (GA)

On XX/XX/XXXX I made a payment arrangement with Home Depot credit card services to pay {$150.00} a month through Citi Cards. I told the representative that I could not make the first payment until XX/XX/XXXX. I was told by the customer service representative that there would be no late charges and no interest as long as I made my payments each month. I received a letter dated XX/XX/XXXX confirming the agreement. 

I made the monthly payments beginning XX/XX/XXXX as agreed. I continued to make payments each month for the agreed amount. On XX/XX/XXXX I received a letter dated XX/XX/XXXX stating that I had missed XXXX or more payments. I contacted Citibank on XX/XX/XXXX to dispute the letter. I made four phone calls trying to resolve the matter. I was told by each representative that they showed no notes of a payment arrangement even though I referred to the letter confirming the arrangement and pointed out that all interest charges had ceased as agreed. 

I attempted to make a payment on XX/XX/XXXX to honor the agreement but was unable to make a payment. I contacted Citi Cards on XX/XX/XXXX and spoke with a representative to no avail. I requested a supervisor to resolve the issues. I was told by the representative that unless I explained why I need to speak with a supervisor she would not be able to transfer my call. I also attempted to speak with a supervisor on the previous call and was placed on hold for more than an hour. I was told that the account had been charged off on XX/XX/XXXX and reported to the credit reporting agencies. 

I did not default on the payment arrangement and now there is a charge off on my credit report and also Citi Card continued to report my account as being more than 30 days delinquent despite the payment agreement.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Today USAA sent to experian that I was 30 days past due on my auto loan account with them. 
I called and verified with USAA and they said everything was current. They said they cant change reporting.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. ()

This has been reported to XXXX XXXX, XXXX, and experian XXXX different times. 

On XXXX XXXX I was in a car accident. On XXXX XXXX XXXX XXXX sent XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX A check for {$12000.00} Inwich was the balance that was owed on the car. XXXX XXXX has confirmed that this balance has been paid off but these credit bureaus do not want to do there job and correct there mistake. These credit bureaus with there actions keeps costing me thousands of dollars because they do not know what they are doing and they keep XXXX up my credit report when they do not do there job. I have attached a XXXX receipts from XXXX XXXX