davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I financed an XXXX loan for services from XXXX through their finance company, XXXX XXXX XXXX I paid off the loan, early and in full, without ever missing a payment. The final payment was made in XXXX of 2021. The account was reported as closed in XXXX of 2021. 

A week ago this account was reported as delinquent and 60 days past due. It shows a zero balance with an outstanding amount of {$220.00} on both my XXXX and Experian credit reports. I have called XXXX twice and they have verified this information. 

XXXX 's Dispute Center was utterly unhelpful and kept glitching when I tried to submit documentation. I had to reach out to tech support twice and was told that if my statement of dispute contained NUMBERS ( like dates ) and special characters, as well as any of the file names ( which had to collectively less than XXXX and a limit of 5 attachments total ), the system " may reject my submission. '' I had to go back and type out my statement and change my file names using letters only. I changed browsers, cleared my cookies/cache, etc. 

I was told to open my dispute over the phone, which I did. Once the dispute was opened, I was told I would now have to mail the supporting documentation because I couldn't use the online system since I'd called to open the dispute. I tried to log back in to my account to verify the dispute was opened and found my account suspended " because my identity couldn't be verified. '' In my dispute with Experian, I supplied the bank statement showing my final payment, the confirmation number from the final payment, a letter from the company showing my zero balance ( and a refund I was issue for overpayment ), a screenshot from when the line of credit was closed, and a screenshot of how the account appears twice on my credit report - once as closed, paid and in good standing, the other showing 60 days delinquent. 

I have disputed it twice with Experian with the same results each time, even providing all of the documentation above.
Consumer complaint received 2024-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (CA)

I had a pre-authorization held on my account from XXXX in the amount of {$370.00} which has been pending since XX/XX/2024. I then had the actual charge taken out on XX/XX/XXXX again from XXXX in the amount of {$370.00} The pre-authorization charge is still listed there and because of that it has caused my account to go negative and I can't get out of the negative I work for XXXX and any XXXX  I did would go toward paying off that negative account balance and not net me any money but to be able to do XXXX I need money for gas not to mention everyday expenses such as food. I have spoken with the Branch Bank that partners with XXXX XXXX that provides the XXXX debit card. I was told that the pre-authorization charge would be on the account for 30 days!!!
Consumer complaint received 2022-09-20
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: CURO Intermediate Holdings (CO)

I contacted XXXX, XXXX, XXXX as well as the collection company AD Astra Recovery Services about a debt that I do not recognize on my credit report. I asked for proof that this debt belonged to me or have it removed. Neither was taken card of from any of the parties. Ad Astra has yet to answer a call, return a call or write me back and it's be about 60 days. If I can not be provided proof that this is indeed my debt I'd like it removed from my credit report.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2019-03-19
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. (NC)

A few months ago I was checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC As require by FCRA sect. 605 ( b ) any information reported as fraudulent should be removed from the consumer credit file in 4 days. Please remove all none accounts holding inquiries and send my a copy of updated report.
Consumer complaint received 2021-10-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (IL)

My car title was paid off on XX/XX/XXXX. At this same unfortunate time, Gateway One XXXX was sold off to Santander at this time. Since XX/XX/XXXX, I have called over 30 times. Santander did not process, even though I received the payoff letter from XXXX. Because of this, I'm unable to get a customer service person on the phone, as they have haven't put my social security in or given me a customer #, which is needed to speak to someone regarding this. 
I'm also unable to go to " get My Title '' website to obtain, because nothing was put in by Santander. 
This is my last recourse, as I'm needing to sell this car. Thank you for any help.
Consumer complaint received 2021-10-02
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. (NC)

The credit reporting agencies are reporting false and misleading information. They do not have the proof or documentation to prove that the account that they are reporting as late is late. You have violated my rights on many occasions within this incident. I would like the late payments to be removed immediately or litigation will filed in small claims court.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XX/XX/2021 Equifax dropped 3 more points. It should be exactly the same as XXXX at XXXX. XXXX XXXX should not have dropped 2 points. The problem is in your killer algorithmns designed to hurt the consumer by showing high balances with out waiting for the billing cycle to play out. All new balances are always XXXX  out on my accounts. 
He seems like intentional misbehavior here.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/2022 I had disputed with transunion about my bankruptcy in which their response was they verified the information as accurate with the courts as well as they obtain there info from 3rd party vendors XXXX or XXXX XXXX XXXX. I have a letter from the courthouse ( attached below ) of my bankruptcy that they do not report to the credit bureaus but can verify my bankruptcy as it is a public record and the document stating that they obtain info from vendors therefore the original response from them verifying the item with the court was not correct and the reporting requirements from transunion do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

XX/XX/2022 I had disputed with XXXX  about my bankruptcy in which their response was they verified the information as accurate with the courts as well as they obtain there info from 3rd party vendor XXXX. I have a letter from the courthouse ( attached below ) of my bankruptcy that they do not report to the credit bureaus but can verify my bankruptcy as it is a public record and the document stating that they obtain info from vendors therefore the original response from them verifying the item with the court was not correct and the reporting requirements from XXXX do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 


XX/XX/2022 I had disputed with XXXX about my bankruptcy in which their response was they verified the information as accurate with the courts as well as they obtain there info from 3rd party vendor XXXX. I have a letter from the courthouse ( attached below ) of my bankruptcy that they do not report to the credit bureaus but can verify my bankruptcy as it is a public record and the document stating that they obtain info from vendors therefore the original response from them verifying the item with the court was not correct and the reporting requirements from XXXX do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2020-11-26
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (TX)

They said they took it off but didn't. The picture that was uploaded are from site that have my name and information but my sister XXXX XXXX or XXXX XXXX XXXX picture. On her information my XXXX is listed which I have no access to. I only go by one last name since 2015 and that my married name XXXX. XXXX is my madam name and I don't use that at all. My ID and social security card that had XXXX on it was stolen
Consumer complaint received 2021-10-01
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. (MI)

I had an existing account with XXXX XXXX XXXX - a AutoLoan. back in 2017 I was no longer able to keep up with the payments, and it went into collection - The collector was XXXX XXXX XXXX from Texas. - However I paid that off! And I requested pay per DELETION letter which they sent one to me! I am trying to submit to the bearues all three of em! Experian - XXXX and XXXX! Its coming back as Verified? Im not trying to verify the collection account Im trying to DELETE IT! Since I have Deletion letter from the debt Collector should no longer Exist on my REPORTS! They have failed to properly Investigate my Dispute! And DELETE the existing information!
Consumer complaint received 2019-03-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is reporting me 90 days past due on the XXXX XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX and Transunion are reporting me 120 days past due on the XXXX XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. 

It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due. This incorrect reporting is hurting my credit score.
Consumer complaint received 2020-11-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

Portfolio Recovery Associates, LLC has not provide me with proper debt validation. I sent them a letter asking them for debt validation. And they have not sent me any information proving that I owe them. I have the letter enclose that I sent to them and the response letter that they sent to me.
Consumer complaint received 2021-09-23
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: EQUIFAX, INC. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2019-03-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc. (CT)

XXXX and I had worked out a payment arrangement due to divorce and I was not living at the residence at the time the phone was being used and bill was getting over limit ( s ). 
Contacted FCC, XX/XX/2019, regarding matter about them not turning on my phone after I had already paid over {$150.00}. Complaint sent to FCC in XXXX. 
Fee responded, etc. XXXX explained I would not be able to have phone turned on until I " applied '' again and I would incur a fee due to past history. 
XX/XX/2019 received a call from Eastern Account Service, LLc asking if I was XXXX XXXX, I stated yes, ( they called private cell # ), they explained who they were and asked me to give them personal information. I said not going to do this, and send written notification to my address. They asked me to verify my address. I also refused. 

XX/XX/2019, I have Eastern account listed on my credit report. I HAVE NEVER RECEIVED ANYTHIGN FROM THEM. I am paying XXXX {$25.00} each pay check and paid them in XX/XX/2019, My bill owedis {$50.00}. 

I have sent complaint to FCC as well for fraudulent collection practices. After contacting a law firm that is suing Eastern for this very type of practice. 

On XX/XX/XXXX, I called XXXX  to file complaint. At XXXX that afternoon, my mail had a letter from Eastern stating that they had sent me something 30 days ago and I FAILED TO RESPOND. 

I AM DIVORCED, I HAVE BAD DETS DUE TO THIS divorce. I am diligent about my outstanding debts, etc. I have a payment arrangement with XXXX. I am contacting an attorney to sue both XXXX and Eastern for bad faith on XXXX and fraudulence on Eastern.
Consumer complaint received 2020-11-26
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$43000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2020 with a balance of {$43000.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2020 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-09-21
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. (TN)

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX  account XXXX XXXXXXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX  account # 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 a account without my written instructions.
Consumer complaint received 2020-11-27
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-04-14
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: Experian Information Solutions Inc. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Consumer complaint received 2021-10-01
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. (WA)

Spoke to Experian representative on XXXX XXXX who told me I couldn't dispute identify theft because I didn't upload any information. I finally obtained the police report and uploaded it and called them back again. The new agent was able to help even without the uploaded information and didn't even show that I talked to someone in the dispute department. Furthermore the online dispute webpage was inaccessible, making it impossible to perform a dispute online.
Consumer complaint received 2020-11-26
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. (TX)

XXXX credit card is not mine it is identity theft XXXX dollars XXXX XXXX XXXX identity theft for unknown amount and XXXX XXXX it was opened by fraud ive spoke to all 3 agency and they refuse to help so I want those 3 item off my credit report I have no knowledge of them and they refuse to help and these companies have no proof I opened anything in an otr driver please help me
Consumer complaint received 2024-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service (GA)

This company reported my account during the pandemic when I requested a payment arrangement. They immediately sent it to a collection agency that harassed my and kept calling once they were asked not to do so. Secondly, the company still sends me a note every month for payment from the original company. So which is it, they are double dipping with these negative items on my credit report.
Consumer complaint received 2022-12-19
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: DISCOVER BANK (AR)

This accounts was opened and used not by me but they are expected that they are suing me for the amount and i have try many times to dispute this account and ask for all the charges they have refused on multiple occasions and they are trying to put a judgment on me. They cant even produce my signature on the agreement that they say is mine I have asked them to validate all they can send me is the top page of the statement.