davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-03
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. (NY)

I am submitting this dispute about my XXXX  MasterCard credit card. My score just dropped 101 points on my credit report as XXXX  credit card did not do as we agreed. Due to being laid off from work due to corona virus my job has laid me off. I worked out a agreement with XXXX MasterCard that I will make payments as much as I can till I can bring the account current. I was told it would not be reported to the credit reporting agencies due to the natural disaster. Today I checked my credit score with my XXXX  card and my score went down by 101 points. I am very upset as I confirmed a few times with XXXX MasterCard when I spoke to them that my credit would not be affected and reported as delinquent but it was.
Consumer complaint received 2020-05-10
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. (SC)

Experian, Has gone so far as to imply that I am lying to them. In thinking this they have broken the law because they are wrong and they are not doing the other parts that the law requires them to do even if they think I'm lying. Section B of 605B FCRA, demands of the CRA and it says very clearly to notify the furnisher of the information I am claiming identity theft, and they must tell the furnisher that I have filed a police report that I am claiming a block of imformation in section 605B of the FCRA, And let the furnisher know if they do not block by a certain date the information will be blocked. Because the law tells them they have to do that if I claim identity theft. No ambiguity or choice at all. The CRA-Experian Must do this, regardless of what they wrongly believe. 
Inquiries are infofmation in my file that resulted from identity theft, not fact ... .they are FRAUD and must be removed according to the law.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (VA)

I was recently a victim of a phishing scam that, long story short, resulted in me depositing three checks without knowing that they were forged. 
Thursday, XX/XX/2023 I called my bank, TD Bank, after seeing that three checks that were deposited had the funds removed. The representative told me that the check had been forged, with the other checks being held for a similar reason. 
Friday, XX/XX/2023 I was unable to log into my Online Banking account. When I called the bank, I was told that I needed to enter my nearest branch, which for me was a 3-hour drive away. After making that drive, I was told that all of the checks were forged and my all of my accounts were being closed, with my relationship with TD Bank being " terminated ''. The person I talked to specifically mentioned that if that happened, it would be very difficult to open a bank account at another bank, due to the possibility of having " fraud '' on a background check. 
Saturday, XX/XX/2023 I called the Fraud Team of TD Bank to tell them what had happened, but they told me that the branch had the last say on whether or not my bank accounts can be reopened.
Consumer complaint received 2020-05-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Designed Receivable Solutions, Inc. (CA)

I was sent to collections by a medical office for debt that was paid. In XXXX of XXXX I had applied to refinance my mortgage. I was surprised to learn that I had been sent to collections for what was then an amount of {$120.00}. This was surprising to me as the dates of service in question had come well before I had stopped going that that office for ongoing issue. My visits to that office continued through XXXX of XXXX, and not once was I told I was not current, and would pay any balances that I was told upon each visit. 

I spoke to the billing office on XX/XX/XXXX at XXXX. During that conversation the billing office could not find any balances that I owed, agreed with that they had been paid in full and that there was no outstanding amounts. They also verified they had received my payments on the dates my records show as being made. I was told I would get a letter directly from the Doctors office showing all debts had been paid, and that they would discuss it with the debt collector to remove it. I never received the letter and called back on XX/XX/XXXX, to follow up. I was told that I would have the letter emailed to me that week. It never came. 

I also sent a letter via certified mail to the debt collector, explaining it was reported in error. That letter was sent on XX/XX/XXXX as well, with proof of payment via credit card statements. 

1 month later I received a letter from the debt collector saying that new dates of service in question had changed. That while I had paid all debts, the dates I had paid were later dates. They now had a bill from 3 years prior, date of service of XX/XX/XXXX ( which again no one had ever asked me to pay ) and a date of service of XX/XX/XXXX. This was very confusing because the bill that I had been given dated XX/XX/XXXX, showed every thing was current and the amount owed of {$110.00} was paid via my next visit to the office in person. I have the credit card receipts to prove it. In addition the date of service of XX/XX/XXXX was not even on the bill that showed everything was current. 

In summary, I have a bill dated XX/XX/XXXX, that shows all my charges are current. A credit card receipt showing payment made in full on XX/XX/XXXX, for all charges on the bill. The doctors office acknowledged the payment was made. Yet I am sent to collections in XX/XX/XXXX, for a bill that was paid in full and never shown as past due. 

I had sent all this documentation to the debt collector twice. Yet they still refuse to remove it from my credit report, which is hurting my ability to get credit and my overall credit score.
Consumer complaint received 2020-05-10
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)

I leased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX on XX/XX/XXXX and completed the payments and returned the car on XX/XX/XXXX. All payments were made on time. However, my latest credit report dated last week is now reporting that there were late payments made. I called XXXX XXXX XXXX and they confirmed that all payments were made on time. Transunion is the specific credit bureau that I am having problems with. I did not get a copy of XXXX 's testimony in writing, but I can get that if needed. Otherwise, their phone number is XXXX and they are located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX, according to my Transunion account. I haven't owned this car in years, and have no idea why this would be coming up on my credit report now ... or ever. My credit score dropped over 100 points as a result of this matter and I would like it resolved immediately!
Consumer complaint received 2020-11-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Mid-Atlantic Finance Co., Inc. (FL)

I was in a car accident involving this car in XX/XX/XXXX. The car was a total loss. After the parties insurance paid out, I was left with {$5700.00} in negative equity. I was in the process of trying to finance a new car and the negative equity. On XX/XX/XXXX Mid Atlantic retch out to mean with an offer of {$1800.00} pay off. I agreed to that, signed the contract, and put the first payment of {$100.00} down on XX/XX/XXXX. When the financing went through for the new car and negative equity, they cut a cut for the original negative equity on XX/XX/XXXX. Mid Atlantic did not take their {$1700.00} and return the rest of that check for {$5700.00}. They stated that the Dealership would have to reimburse me. I retch out to XXXX XXXX XXXX XXXX and they refused to refund the money either. I have had my accident attorney with XXXX XXXX XXXX, reach out in effort to fix this as well but we were just left at a dead end.
Consumer complaint received 2023-01-21
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. (IL)

AFTER A THOROUGH REVIEW OF MY CONSUMER REPORT, I HAVE IDENTIFIED SOME ERRORS AND WOULD LIKE TO FILE A COMPLAINT BECAUSE I REALIZE THAT MY CONSUMER RIGHTS HAVE BEEN VIOLATED. ACCORDING TO THE FAIR CREDIT REPORTING ACT. 15 USC 1681 ( a ), defines the Rules of Construction ( 2 ) ( a ) ( i ) states the term consumer report does not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transaction and utilization is an experience created by credit usage. 
TransUnion is reporting late payments on accounts listed as : USDA Rural Development XXXX XXXX XXXX XXXX XXXX MO XXXX This experience has been created as a late payment on in the month of XX/XX/2023 in the amount of {$140.00}, including a statement of 30 days late being reported. 

This information has been sold to a 3rd party and applied to my account without permission. 15 USC 1681 ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no term in accordance with the consumer to whom it relates. 
I have never provided TransUnion, XXXX or written instructions to report anything to my consumer report, not to mention the late payments/utilizations. 
According to 15 USC 1681 602 congressional findings and statement of purpose states, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. This also states the banking system is dependent upon fair and accurate credit reporting. Items run which are reported inaccurately appear on the credit report directly impair the efficiency of the banking system and contribute to unfair credit reporting methods. Inaccurate reporting undermines public confidence which is essential to continue the fair and lawful functions of the banking system. 
The inaccurate reporting of these late payments and my privacy right have been violated due to TransUnion. My Consumer rights have also been violated by allowing late payments/utilization to report on my consumer report. I have previously informed your company to remove this information. With this notice, I am requesting this information to be updated accurately on my consumer report, late payment and utilization reported on my credit accounts.
Consumer complaint received 2023-01-20
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: Experian Information Solutions Inc. (DE)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (CA)

I sent a letter on XX/XX/XXXX to remove these items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX the items are UNKNOWN to me. please remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (NY)

The unverified account indicated below continues to report on my credit report despite written requests, in violation of federal law. I dated the previous letter I sent to Equifax on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX
Consumer complaint received 2023-01-20
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)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX AV XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX BANK XXXX Date opened XX/XX/XXXX Balance {$2100.00} ; XXXX BANK XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$1800.00} ; XXXX XXXX  XXXX Date XXXX XX/XX/XXXX Balance {$0.00} ; XXXX, XXXX. XXXX Date opened XX/XX/XXXX Balance {$1800.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3100.00} ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX  Original creditor XXXX XXXX XXXX BANK XXXX XXXX opened XX/XX/XXXX Balance {$1600.00}.
Consumer complaint received 2023-01-22
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. (PA)

XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX # XXXX, those 2 accounts Were sent to collections which means it is illegal to have reported this information on my credit report pursuant ( 15usc 1681c 4 ) Which says that accounts placed for collections is excluded from credit reports. Each one of those accounts were sent to collections.
Consumer complaint received 2023-01-20
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: Experian Information Solutions Inc. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$2000.00}
Consumer complaint received 2023-01-20
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: Experian Information Solutions Inc. (LA)

I contacted XXXX XXXX  in XX/XX/2022 regarding a XXXX XXXX Credit Card that was opened fraudulently. Ive attempted to contact them with updates regarding their investigation. Ive been unsuccessful in many of my attempts. The few times Ive spoke with they, they informed me there are no updates. From XX/XX/2022 til now, they have put delinquent reports on my credit report. During investigation, they should not expect me to make payments. They caused my XXXX XXXX to drop over XXXX points since XX/XX/2022. Ive provided the necessary documents to prove the XXXX XXXX Credit Card was opened fraudulently.
Consumer complaint received 2023-01-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

XXXXXXXX XXXX XXXX Account : XXXX has been paid and closed since 2015 but on my report, this is still showing that it is 30 days. How can this be? This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed IMMEDIATELY! 
XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I was a victim of identity theft and did not realize it until just recently. My credit report has inaccurate information and accounts that do not belong to me, I am asking to please remove these accounts from my report immediately. It is against the law to keep these accounts on my credit report, and it is affecting my personal life in many ways. PLEASE REMOVE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries not authorized by me : XXXX XXXX XXXX XXXX XX/XX/ The accounts listed above were not authorized by me and they need to be removed from my credit report.
Consumer complaint received 2023-01-21
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. (GA)

MY IDENTITY WAS STOLEN YEARS AGO BY MY MOMS XXXX  HUSBAND. HE STOLE HER PERSONAL DOCUMENTS ALONG WITH MINE AND SISTERS FROM HER FILE CABINET AND WOULD OPEN ACCOUNTS UNDER OUR NAMES ONCE HE LEFT HER. WEVE BEEN TRYING TO TRACK HIM DOWN FOR YEARS BUT HAVENT BEEN ABLE TO FIND HIM. IM WILLING TO PRESS CHARGES ON HIM IF HE IS FOUND. PLEASE BLOCK AND REMOVE THIS INFORMATION FROM MY CREDIT REPORT IN XXXX DAYS.






FRAUDULENT ACCOUNTS:




Account name

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Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (OH)

I received an email from Citi Card stating my account had been closed and to login to see the secure message. The message read that the account had a {$0.00} balance and is " inactive ''. I received NO correspondence before this closure. I did NOT request or give Citi Card permission/consent to close the credit card. The credit card was my first credit card and my oldest tradeline with the credit reporting agencies. Therefore, the closure of this credit card will have a negative impact on my credit score. I called Citi Card 's customer service to ask why the credit card was closed without my consent or  knowledge. The customer service rep stated it was a " policy '' to close credit cards after inactivity. I asked for that " policy '' in writing on their Cardmember Agreement. It is NOT written in their agreement. I was transferred to a service manager, XXXX in Kentucky ( she was very sweet and kind ), and she stated that it is a " general policy '' that Citi Card closes inactive accounts without consent or knowledge. She referred to this line in their Cardmember Agreement " We may close or suspend your account if any of the events listed above occur, or for any reason, or for no reason. We may do this at any time, without notifying you, as allowed by law ''. I asked for the law and written policy that this line refers to, and she could not provide it. However, she could reopen the account, but she would have to pull my credit report and could not guarantee the reopened account would revert back to original opening date and history. Again, this would damage my credit report. I feel that Citi Card saw this COVID-19 pandemic as a threat to their credit card portfolio/bottom line and closed " inactive '' accounts to keep customers from using them in their hardships.
Consumer complaint received 2023-01-21
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: Continental Finance Company, LLC (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported the account 30 days past due. 
15 US Code 1666B - Billing Error, I did not give them consent and this company is not protecting my privacy.