davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (MA)

I supposedly had a debt from the early XXXX in which this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX phone number listed is XXXX is claiming I still owe and they are collecting from a credit card company. The debt is so old I dont even remember owing it. Next thing I know I was taken to court for a debt that is over XXXX XXXX XXXX I panicked in court because I felt intimidated and agreed to make payments on the debt that I was told I would get all the information on the debt which this company still has not provided. Ive paid over {$400.00} on the debt but my balance is still the same it never goes down and Ive made several attempts to contact the company but never can reach a person Ive left several messages but still do not get a response. Ive contacted them to ask for the proof I was told I would receive to prove its my debt and calls and messages go unresponsive. I have recently lost my job and contacted them and actually got a live person for once in my life and explained to them the whole situation that I never received the proof and my employment situation was then told my agent would be told and would be in touch now Im getting letters stating action will be taken for non payment even though I spoke to someone and explained my situation. Now I am feeling like this company is a scam because they never call me or send proof of the debt. I was told after so many years the debt can not be collected. They take my money but the debt amount is still the same after paying on this for 2 years. No one ever answers the phone and I feel this is a scam. I ask for answers and proof of this debt but dont get anywhere but I paid because I was afraid I would go to jail because I did agree to pay in court. This debt isnt even on my credit report so I am in desperate need to know what the next steps are for me I need answers and help to figure out if this company is even legit. Please help because I dont know what else to do.
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XXXX XXXX BANK ( XXXX ) : : Listed with a {$450.00} balance and years of missed payments for card ENDING XXXX same debt reported as : PORTFOLIO RECOVERY ASSOCIATES ( XXXX ) : Listed with {$1300.00} balance and no payments for card ENDING XXXX Source of dispute information : My XXXX Credit Report Type of disputed information : This item was paid with income garnishment and fully satisfied with XXXX XXXX XXXX XXXX. Both entities are seeking payment for the same paid balance card ENDING XXXX Dates associated with item being disputed : ALL dates, missed payments and balance information o My debt was settled and paid by wage garnishment. 
o I have two companies leaving derogatory marks on my credit report for a satisfied judgement. 
o The report shows I owed money to the company that I have already repaid. 
o I have enclosed the judgement for {$4300.00} XXXX & XXXX File number XXXX served by XXXX XXXX XXXX XXXX XXXX XXXX NY o The current status of my account is not correct. The report shows that I o am delinquent but I have made all of my repayments on time. I have enclosed the letter dated XX/XX/2021 from XXXX XXXX XXXX XXXX stating my debt was satisfied.
Consumer complaint received 2023-04-04
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. Validate Account XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-09-02
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)

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 2020-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (CA)

Citibank made changes to my account without authorization. They placed me on the do not call list without verification. I received a letter a month later that those changes were made to my account. I called to inquire how account changes were made without verification. I was not provided with a reasonable explanation.
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

Hello, I need to dispute 4 charges made with my debit card ending in XXXX. 
The seller never sent the items, never provided any kind of delivery information or tracking number, also never answered the emails and phone calls 1 : XX/XX/XXXX : XXXX, It was a XXXX XXXX XXXX XXXX. Expected delivery date XX/XX/XXXX XXXX : XX/XX/XXXX : XXXX, It was a XXXX XXXX XXXXXXXX XXXX XXXX. Expected delivery date XX/XX/XXXX XXXX : XX/XX/XXXX : XXXX, It was a XXXX XXXXXXXX XXXX. Expected delivery date XX/XX/XXXX XXXX : XX/XX/XXXX : XXXX, it was a XXXX XXXXXXXX XXXX XXXX XXXX. Expected delivery date XX/XX/XXXX Until now I have not received the merchandise from the seller.
Consumer complaint received 2023-04-04
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-05-21
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 (CA)

Dear, XXXX XXXX XXXX XXXX XXXX veteran, I tried to purchase XXXX XXXX  on XX/XX/XXXX, I was asked to pay {$99.00} using my discover card, after paying the charge waited waited to nothing happened I call XXXX but the number was for technical support so I opened dispute with Discover card I after XXXX  months issuing credits and removing It in XXXX statement I called them on XX/XX/XXXX I was told the XXXX download the software on XX/XX/XXXX but my transaction happens on XX/XX/XXXX I DID NOT RECEIVE NOTHING from XXXX till today I asked Discover ask XXXX to provide what they sent and where I dont have XXXX XXXX and I was told by Discover the dispute resolved in my favorite but they charged me again {$99.00} in XXXX statement and they never disclosed the outcome I had XXXX  XXXX on XXXX XXXX to check my statement today to find the finding.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I am filling this complaint to EXPERIAN with report number XXXX for allowing unauthorized inquiries on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate and unauthorized inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

CAPITAL ONE BANK ( XXXX ) : : Listed with a {$450.00} balance and years of missed payments for card ENDING XXXX same debt reported as : XXXX XXXX XXXX ( XXXX ) : Listed with {$1300.00} balance and no payments for card ENDING XXXX Source of dispute information : My XXXX Credit Report Type of disputed information : This item was paid with income garnishment and fully satisfied with XXXX XXXX XXXX XXXX. Both entities are seeking payment for the same paid balance card ENDING XXXX Dates associated with item being disputed : ALL dates, missed payments and balance information o My debt was settled and paid by wage garnishment. 
o I have two companies leaving derogatory marks on my credit report for a satisfied judgement. 
o The report shows I owed money to the company that I have already repaid. 
o I have enclosed the judgement for {$4300.00} XXXX & XXXX File number XXXX served by XXXX XXXX XXXX XXXX XXXX XXXX NY o The current status of my account is not correct. The report shows that I o am delinquent but I have made all of my repayments on time. I have enclosed the letter dated XX/XX/2021 from XXXX XXXX XXXX XXXX stating my debt was satisfied.
Consumer complaint received 2021-04-19
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. (IN)

I have communicated multiple times with XXXX multiple times beginning in XX/XX/2020 about their inaccurate reporting. Relative to me having modified my mortgage loan with them. XXXX maintains that it is not XXXX that is responsible for this inaccurate reporting and is XXXX mortgage. From whom they bought this mortgages servicing rights. XXXX and only XXXX is reporting that I modifies my mortgage. XXXX mortgage is not reporting a modification at all. Please see my attached credit report as evidence both XXXXr and XXXX mortgage are on it.
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I had a lease with XXXX that was completed over a year ago. Infiniti Financial Services keeps reporting a balance on my credit report even though this lease was completed over a year ago. This is affecting my credit score and they are in violation for the inaccuracies they are reporting on my credit report. My attorney has advised me to make a final attempt to have them correct this before moving towards litigation.
Consumer complaint received 2022-01-25
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. (NY)

XXXX Trans union XXXX is reporting my closed/ paid accounts as open and continuously selling closed accounts to credit services which keep my XXXX  XXXX XXXX from increasing and hinders my opportunity of getting credit from creditors. As a single women of XXXX trying to start a small business. This hinders me from future or any financial assistance. As this unfair practice continue soar it holding me back from future advantages.
Consumer complaint received 2021-04-19
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: Shellpoint Partners, LLC (FL)

My mortgage company, Shellpoint Mortgage Servicing was not reporting my mortgage payments to the XXXX  Credit Bureau causing my score to drop. On XX/XX/XXXX after retrieving my report and speaking to a XXXX  representative he informed me that was the reason for my score drop. The situation has been corrected but if I hadn't caught it who knows how long it would have gone on. I am inclosing the unreported payments in a copy of the XXXX  Credit Report. See pages 8 & 9. The last reported payment was XX/XX/XXXX and report was generated XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2021-04-19
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. (AZ)

I have tried several times to fix this situation with Experian and each time they refuse to fix it. ( See attached document of refusals ). Now, because they have refused once they are claiming they do not have to even investigate because I already disputed it. This is truly an abuse of the law by Experian. 
Specifically my name is XXXX XXXX XXXX sometimes XXXX XXXX sometime XXXX  XXXX : My name is not " XXXX  XXXX '' I have never gone by that name yet Experian claims I have My name is not " XXXX XXXX '' I have never not used my last name ( XXXX ) yet Experian reports that I have. 
My mortgage balance is {$350000.00} not {$360000.00} as Experian reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are all on the FTC Identity Theft report YET Experiain refuses to remove them or note that they have been reported to the FTC. 
I have never lived at XXXX. XXXX  XXXX WASHINGTON DC XXXX ( although it was undoubtedly used by the identity thief ) Likewise I have never lived at XXXX XXXX XXXX WASHINGTON DC XXXX Experian refuses to remove those addresses.
Consumer complaint received 2022-09-02
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The following were part of Trans Unions Inquiry issue. Inquires that did not have authorization nor belong on the report. 

XXXX  XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union was un willing to assist in rectifying the issues.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020
Consumer complaint received 2021-04-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

called TransUnion to dispute 2 hard inquiries ( XXXX XXXX on XX/XX/20 and XX/XX/20 ) that I didn't approve. the representative refused to assist me in disputing these 2 items.