davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-01
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. (NC)

XXXX XXXX has been reporting a chargeoff of {$790.00} since XXXX. I have never had a wireless account with them. I was on a family plan that was owned by my mother XXXX XXXX from XXXX. I have disputed this debt with all three credit bureaus numerous times. The debt is validated by the credit bureaus. They are refusing to investigate fully. I have called XXXX Recovery and Fraud department. They have verified that I do not nor have I ever had an account with XXXX. XXXX refuses to remove this line item from my credit. They are telling me that I need to file a fraud report. All three credit bureaus have continued to report this as well. This chargeoff has impacted my credit for 6 years!
Consumer complaint received 2020-05-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Sent in disputes via certified mail. The receiver signed for the mail on XX/XX/2020. Since then I have received no acknowledgement pertaining to these disputes. Under FCRA credit bureaus have 30 days to investigate and come up with results for disputes. I allotted the companies extra time due to COVID-19 but we are at almost 2 months at this point and it is starting to become unacceptable as it is violating the FCRA laws when disputing inaccuracies or fraudulent marks on ones credit report.
Consumer complaint received 2022-07-01
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. (IL)

Hi I am submitting this 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 2022-07-01
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. (FL)

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-01
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. (NJ)

In accordance with the Fair Credit Reporting Act these accounts have violated my rights : The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate. This ground for removal they also violated my rights under. I have the credit report showing the inaccuracies. 

15 U.S.C 1681 Section 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

I noticed this debt was on my credit and I had been asking them validate the debt and they failed on multiple occasions. I even tried to pay it at a lower rate to have it removed as it is affecting me and my children from being able to rent a home. The last was very rude and would not budge although I explained I did not owe that to company and I never received services. I do not owe for services never received. Furthermore this company is not accredited to collect in California. This debt is listed twice on my credit report, affecting it negatively
Consumer complaint received 2020-02-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TrueAccord Corp. (CA)

I received a random email this morning from a THIRD PARTY who now has all of my information, from a credit collector. The THIRD PARTY COMPANY is called True Accord, and the person who sent me this email is called XXXX XXXX. 

I did NOT request to sign up with this company for collection and I did NOT willingly give them ANY OF MY INFORMATION NOR THE RIGHT TO CONTACT ME. 

They are implying legal action as well as attempting me to make a payment arrangement through this email. I would believe this is considered fraud and very illegal.
Consumer complaint received 2020-05-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc. (GA)

My account was marked as restricted and Ive been unable to move or withdraw funds since early XXXX. I sent numerous messages through their customer support chat. I called on XX/XX/XXXX and XX/XX/XXXX and was told the restriction would be removed by XX/XX/XXXX. This did not happen. I called again on XX/XX/XXXX and XX/XX/XXXX and was told my case was still in the queue both times. Yesterday, XX/XX/XXXX, I requested to close the account and have my money withdrawn or transferred out.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (IL)

I was the victim of identity theft. Someone used my previous last name, with my DOB and SS number to open a XXXX XXXX through Barclays. I have not used this last name since 2016, this person charged XXXX dollars. This account is not mine. Despite numerous calls, sending of the police report, ftic report and letter they are still refusing to acknowledge this is a fraudulent account and demanding that I pay the money or they will ruin my credit. This is not my account and it was not me that opened it
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have a credit card for XXXX XXXX that is not mine. 
The card was opened in XXXX under the name XXXX XXXX. I was not XXXX XXXX then, my name was XXXX XXXX. I did not get married until XXXX, then changing my name to XXXX. 

The person who I believe stole my identity was my boyfriend 's ( at the time ) sister who's name is XXXX XXXX. Her and her boyfriend were visiting in XXXX awaiting the birth of my son. I believe they stole my SS number and opened a card in her name, stealing my identity. 

I can prove the name change with a marriage license. 

the previous complaint number was XXXX. 

I spoke with XXXX XXXX as well. They are doing an investigation as well.
Consumer complaint received 2020-05-24
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: EQUIFAX, INC. (CO)

Here I am again wasting my time writing you about the same problem that I wrote about last year. I am still forbidden to receiving my annual credit report. I sent these clowns all of my personal information and I still have not received anything. This time I will not send anything they demand of my ID, check stubs, bills, ABSOLUTELY NOTHING. If any of these people catch the Covid-19 virus, I will not send it even if it means there's a cure for it. I can not file anything regarding identity theft unless I pay for it. I AM NOT PAYING FOR ANYTHING. They caused many problems and they demand money for WHAT? 

Disputes are still not cleared up. I will not waste my time talking to anyone. I only deal with problems in writing. I am still wondering why the Federal government is still allowing these companies to operate without any strict regulations or oversite without any friends of any politician to monitor the problems that this agency has created and caused problems for the public. 

I DEMAND FULL COPIES OF MY CREDIT REPORT AND I DEMAND THEM NOW. I DEMAND TO PRINT THEM OUT AND I DEMAND THEM NOW. I WILL NOT TALK TO ANYONE VERBALLY AND I WILL NOT SUBMIT MY PERSONAL DOCUMENTS TO THEM NOW AND NEVER.
Consumer complaint received 2020-05-23
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: General Motors Financial Company, Inc. (GA)

According to my most recent credit report, XXXX  and XXXX  are currently reporting that I applied for credit with the companies that I'm not aware of. I did not grant them authorization to review my credit report.
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My name is XXXX XXXX I am who I say I am and no third party is involved in submitting this complaint. 

I have had a secured credit card with capital one for several years now. I initially secured the credit card with {$500.00} usd and they have since increased the limit to {$600.00}. I am submitting this complaint because it has come to my attention that this was in fact a consumer credit transaction and Capital One taking a down payment from me in a consumer credit transaction is fraudulent. I have also become aware that the account is in billing error under 15 usc 1666 ( b ) and therefore Capital has forfeited their right to collect. it has also come to my attention that this card is part of an open ended consumer credit plan under 15 USC 1637, but the account has not been balancing out every month using the funds from my trust account as it should. Instead Capital One has been benefiting from unauthorized use of my open ended consumer credit plan while I have not.
Consumer complaint received 2020-05-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-05-24
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: EQUIFAX, INC. (MD)

Hello My name is XXXX XXXX I have been having this problem with equifax for a 2 years now. Every time or month I dispute a discrepancy that they have regarding a car loan account, they would fix it and then it goes right back to the same mistake. 

I had a car loan with ( XXXX XXXX XXXX XXXX ) in XXXX, Md in which at one point was repoed in XXXX of XXXX and then the following day it was reinstated. Every since XXXX of XXXX, Equifax would have this account status as " Repoed ''. To make it confusing it show as Repoed/Reinstate. However, this would drop my drop my score to about 100 points. I have been disputing this with equifax and the XXXX XXXX XXXX XXXX loan company. When I contact the loan company they say that this what equifax want this to put on the status. Every time Equifax get an update from the loan company they believe the account is REPOED. So I got fed up and paid off the loan in XX/XX/XXXX and received the lean release to try to help make it better. Low and behold it still comes up with the same thing. I would dispute this every time and they would fix it and the next month it goes right back to REPOED. I do not know what to do. The last 2 dispute was last month and today. Yet I feel I can not do anything. They have several dispute for the same account for the last 2 years and I've call on a number of occassion.. HELP. What else can I do to tell Equifax to stop this. I never had this problem with XXXX  or XXXX. Any help will do. Thank you much XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-14
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. (GA)

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXXXXXX XXXX XX/XX/2022 -XXXX  XX/XX/2022 -XXXX  XX/XX/2022 -XXXX  XX/XX/2022 -XXXX  XX/XX/2022 XXXX XX/XX/2022 -XXXX  XX/XX/2022 -XXXX XXXX  XX/XX/2022 -XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. ''
Consumer complaint received 2020-05-30
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: Experian Information Solutions Inc. (GA)

my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SS XXXX DOB XXXX XXXX. I was looking over my credit report and notice my XXXX  XXXX CREDIT CARD IS NOT REPORTING ON MY CREDIT REPORT!
Consumer complaint received 2020-01-27
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: Innovis (GA)

Checking my credit one again I notice several accounts that i do not know about, I have been victim of identity theft, a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2022-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (GA)

Comenity Bank, which services my credit card from Caesars rewards is not available on website by telephone or any of the normal methods available to see your statement balance to pay your balance or anything. The site has been down since XX/XX/XXXX and they know and are aware of this problem. However I am unable to see if there are any fraudulent charges or balance or if any payments have been properly applied. This is unacceptable. I am not using this card until I am able to see my account information.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (TX)

On XX/XX/2020 I was suspended from employment, I did request from PHH mortgage a forbearance plan for XXXX, XXXX and XXXX. I went back to work and re start the payments on XXXX XXXX2020. I asked them what will be the next step in relation with the forbearance, they told me they need to modify the loan and ask for all the documentation, i did submit all the documents back in XXXX, but still not resolution up to today. I ask the why they keep sending me statements with late payments due, and they answer not to pay attention to them. Last thing that happened is that they report to XXXX  a missing payments report on the loan and i lost 85 points on my credit score, i did call them regarding this issue and they told me they can not fixed.another thing I notice on my  statement they are collecting on my payments MIP and PMI insurance on my mortgage, and my understanding is that should be only one, no both.
Consumer complaint received 2022-07-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I moved to XXXX and the bank in the USA can not allow me to access my money nor close my account. I have spent countless hours on international long distance phone calls including sending my proof of identity via Passport upload but they refuse to do anything to help. They have over {$390000.00} of my money that I can not access.
Consumer complaint received 2022-07-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ARS National Services, Inc. (CA)

My number as been associated with another party that ARS ( ARS National Services ) is attempting to collect or clarify a debt obligation.

I have responded in person on a number of occasions to a number of the 50+ messages left on my cellular voice mail morning, day and evening. I have requested my number be removed from their records. I have been unsuccessful in stopping the harassment and would like the CFPB to step in and help.

I want ARS to honor my request to cease and desist contacting me for debt obligations that are unrelated to me and hope my issue helps others that are facing the same problems.
Consumer complaint received 2020-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

For the last 2-3 years, I have attempted on numerous occasions to have information on my credit report updated. I have two accounts for XXXX ( Student Loans ) that show incomplete or incorrect information. Specifically that there is only 18 months of the last 5 years sporadically showing and all the others show " No Data Available '' as well as going from " OK '' one month to " 120 days past due '' the next. I've submitted several reports via the online system and each time I get a response saying they have investigated and the updates to my report are " Customer disputes, verified accurate ''. Given the erratic nature of the information listed I have repeatedly asked to have it updated/corrected to either show the full reports from date of creation to current or have them removed for being inaccurate and that has yet to be done.
Consumer complaint received 2020-06-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (AR)

Team, On XX/XX/XXXX a fraud transaction attempted in my account with Western union money transfer website. I called them and got the case number : XXXX Transfer Amount / Amount of Transfers : XXXX XXXX Transfer Fees / Charges Transfer : XXXX USD Total : XXXX XXXX Transfer Amount / Amount of Transfers : INR XXXX Western Union company couldn't stop the transfer, so I called XXXX XXXX and set a stop payment. So I did not happen this fraud happen. 
The attached mails have more details about the transaction numbers and recepient account. They tried to create a recipient account with my details only by changing the name little bit. 



Thanks, XXXX