davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Unauthorized hard inquires on my credit report and bureau refuses to remove them after they placed them on my credit report with my authorization XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Unauthorized hard inquires on my credit report and bureau refuses to remove them after they placed them on my credit report with my authorization XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-27
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: EQUIFAX, INC. (GA)

There are hard inquires on my report I did not authorize. I have not and did not request to do business with the companies listed below. I have contacted the companies they referred by to follow up the the credit bureaus stating they are unable to do anything. I have contacted Equifax several times requesting these hard inquiries to be removed they have failed to remove. I'm requesting deletion of hard inquiries they were NOT authorized and should not be listed on my credit report. 


XX/XX/2021 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 XXXXXXXX XXXX
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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 ; DEPTEDNELNET XXXX DEPT OF EDUCATION/NELN XXXXXXXX XXXX XXXX XXXXXXXX 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 2022-03-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: STERLING JEWELERS, INC. (IN)

Received a call from a 3rd party whom stated a law office reached out stating I owed a little over {$600.00}, gave full details on my account as well as partial of my social security number. I then reached out to the original debt company, Kay Jewlers, and was informed that I do NOT have any outstanding debt with the company. They directed me to " XXXX '' account managing, whom also showed a closed account with a XXXX  balance. I spoke with the law office, whom is not only calling several times, giving my information and personal details to a 3rd party person not involved, and leaving me voicemails for totally different named people. XXXX XXXX XXXX  XXXX XXXX ( XXXX, NY ) stated " you can either pay now, or I will go ahead and procced with a default judgement on you Friday Morning. ''
Consumer complaint received 2022-03-09
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: BARCLAYS BANK DELAWARE (MD)

On Monday, XX/XX/XXXX, I made a purchase to XXXXXXXX XXXX XXXX XXXX in the amount of XXXX  for car-audio speakers. This transaction posted to my account on Wednesday, XX/XX/XXXX. The merchant 's policy permits returns within 7 days of purchase for full refunds, and on or about XX/XX/XXXX, within 7 days of the original purchase, I returned the item to the merchant and the merchant, instead of issuing a return credit back onto the credit card, issued a store credit in the amount of {$32.00} that can ONLY be used at that merchant 's place of business and no where else. I have no use for a store credit because the merchant is more than XXXX miles from my billing address and I had no intentions of ever doing business with this merchant ever again. I initiated a timely billing dispute with Barclay and the merchant misrepresented to Barclay that the merchandise was not returned. To refute that blatant fraudulent representation, I provided Barclay with a copy of the store credit from the Merchant and despite receiving proof that the merchandise was returned, Barclay sided with the merchant and closed the dispute without taking any further action. The merchant has perpetrated a fraud against my Barclay credit card by accepting the return of the merchandise and then not issuing a credit back to the credit card. Now the merchant has both the merchandise and the XXXX it charged on the credit card, and Barclay refuses to do anything about either the fraudulent representation made by the merchant or assist with the chargeback. I requested that Barclay provide a copy of the merchant 's response, and Barclay refuse to do so.
Consumer complaint received 2022-12-08
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)

Hello my name is XXXX XXXX, I recently reviewed my credit report and notices a few unauthorized accounts. I have tried resolving the issue on my own but can't seem to have them removed which is why I am now reaching out to you. These accounts are affecting my approval for a new vehicle, which I'm in desperate need of. Please review promptly and have them removed from my report. 
Thank you.
Consumer complaint received 2022-03-09
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpos
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX XXXX Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-12
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 (TX)

THIS ORGANIZATION REPORTED LATE PAYMENTS ON XXXX AND XX/XX/2021 ON MY CONSUMER REPORT. THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING LATE PAYMENTS AGAINST MY CONSUMER REPORT. 

REPORTING LATE PAYMENTS CONSTITUTES TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS SUPPOSED TO BE EXCLUDED FROM MY CONSUMER REPORT. 

THIS ORGANIZATION ALSO HAD NO PERMISSIBLE PURPOSE TO FURNISH LATE PAYMENTS ON MY CREDIT REPORT BECAUSE I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT PER 15 USC 1681b ( a ) ( 2 ).
Consumer complaint received 2022-02-12
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX CO XXXX ) XXXX
Consumer complaint received 2022-02-12
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX PL XXXX XXXX XXXXD XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-12
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2022 I went to the Experian XXXX Website to enroll in their service because of the XXXX XXXX XXXX Settlement That is suppose to be complimentary. 

After enrolling I was directed to a web page to select a plan and payment method. I refused to pay so my subscription was cancelled. When I tried to enroll later the web sight refused to let me enroll. 

Several years ago I enrolled in Experian for ID protection because of a data breech and the service was suppose to be free. But I was charged on my credit card for the service and I had to do a chargeback with my bank.
Consumer complaint received 2022-02-12
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: Colony Brands, Inc. (GA)

Acct # Colony through door open XX/XX/2018 balance {$1500.00} Address XXXX XXXX XXXX XXXX WI XXXX XXXX Tel # XXXX XXXX XXXX. I have talk and wrote letters to all parties involved including the other XXXX XXXX in XXXX Georgia but to no avail i have been help. This has created great harm to my Credit and health and Marriage. I am asking for this account to please be review carefully and look at the facts, This account belongs to Ms XXXX XXXX in XXXX Georgia there is a mix up believe to be only because only our matching names This XXXX XXXX lives in an entire different area in Georgia and has a different social security number and her date of birth is different and we are to different race i am XXXX XXXX born in XXXX XXXX and she is XXXX XXXX born in XXXX I am asking to please investigate this account and reach out to the other XXXX XXXX in XXXX GA and get her information and see the difference in everything but our names 4 years and this has been a night mare no one has helped me. I am begging to please make my case a top priority and review my case i am trying to by my house with my husband and can not because of this. my cell XXXX XXXX XXXX current address XXXX XXXX XXXX XXXX Ga XXXX. Thanks!
Consumer complaint received 2022-02-12
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (MD)

I, a consumer and natural person recently became an applicant when I applied for a consumer credit transaction with Discover bank. After submitting my application, Discover denied me of my right that I exercised in good faith of extending my credit. Pursuant to Federal Laws and 12 CFR 100 2 Regulation B, it is unlawful to discriminate against me and not allow me to exercise my right i n extending my credit through their financial institution. This caused me some small damages a nd inconveniences due to the fact that I intended on immediately utilizing this credit extension f or some family and household purposes. A Discover letter stating that I was denied based on Age of Youngest Inquiry, Ratio of Satisfactory Trades to Total Trades is too Low, Number of inquiries in the last month, which also is discrimination because it is my right to extend my credit through them for personal, household, and family purposes when done in good faith. 
Please be advised that the issues described in this complaint will be shared with the financial
Consumer complaint received 2022-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JTM Capital Management, LLC (NV)

JTM CAPITAL MANAGEMENT , LLC at XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX has been sending me collection notices in the amount of {$300.00}. The charge off has been reported on my XXXX credit report. I do not know this company. I never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2022-02-12
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. (NY)

Upon my enrollment in Autopay on XXXX in XX/XX/2021 the website was showing " AutoPay Active '' with a green checkmark. In XXXX my vehicle was repossessed due to AutoPay not charging my account as intended. Upon my inquiry with XXXX, I was told that the AutoPay won't work unless the next bill is paid manually. Obviously, I didn't expect that and could not assume the cascade of non-payments will take place when I have a green checkmark next to AutoPay on my account. 

I have paid late fees multiple times due to AutoPay not withdrawing the payment on the scheduled date before. Twenty-five dollar fees havent caused me to to try do get to the bottom of the issue. I paid the fee, paid the balance, and enrolled in AutoPay again. But this time not only I was charged a repossession and towing fees but my credit report was marked. All due to XXXX XXXX  AutoPay being designed to fail unless the customer pays manually. I am willing to take this to an attorney if not addressed properly.
Consumer complaint received 2022-02-12
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. (GA)

I sent in my police report and my FTC affidavit to the three credit bureaus XXXX XXXX and Trans Union Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these collection agencies. They then deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then Transunion accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. The fraudulent account reporting is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion also has has all these names on the file that has nothing to do with me XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy TransUnion accusing me of hiring a third party to submit a dispute on my behalf that is completely untrue. Enclosed is the letter I appreciate your prompt attention to this matter, and await your reply. 

Remove this fraudulent and inaccurate information from my credit bureaus or i will take legal actions without further notice and this complaint services as proof that i tired to resolve this fraud
Consumer complaint received 2022-02-04
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. (MD)

I filed for chapter XXXX bankruptcy protection on XX/XX/XXXX. The XXXX bank store credit card in question was included in the chapter XXXX petition. However, the account is being reported inaccurately on my credit report. The incorrect date as to when the bankruptcy was filed is being reported on my credit report. I have disputed the information several times including multiple phone calls and thus far nothing has been corrected. The date that shows on my credit report is XX/XX/XXXX, instead of XX/XX/XXXX on my Transunion report. This account only shows correctly on my XXXX report. Due to this erroneous date my credit score is not improving as I work to rebuild my credit during my chapter XXXX plan. Although they have the correct information regarding my bankruptcy, they are refusing to report the accurate information, which they were doing as recent as XX/XX/XXXX. I will enclose a copy of a recent credit report to corroborate this information. XXXX XXXX XXXX had reported " charge off '' on my XXXX report and I successfully disputed that information and it was corrected. Because of this error I no longer qualify for a mortgage I was approved for in XX/XX/XXXX. I disputed this information with Transunion as well and the information was not updated. Please help me with this matter. As the consumer I feel helpless to be treated fairly, even though I sent proof along with my dispute to XXXX, as well as, Transunion such as the bankruptcy petition that lists this account and the filing date the credit bureaus are still reporting the incorrect information. Please help me this matter. Thank you advance.
Consumer complaint received 2022-02-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WSFS FINANCIAL CORPORATION (NC)

XXXX XXXX XXXX prepared loan modification documents for someone that did not have ownership interest in a property that was in probate when my mom passed away. The home was later distributed to the heirs to my moms estate, which included me. XXXX is shown on the loan modification as the servicer and lender. XXXX XXXX is shown as the borrower and owner, but he had no ownership interest in the property. The derivation clause was left blank and the signature of XXXX XXXX was not notarized. While the modification was never recorded, it was later sold and when XXXX XXXX defaulted on the void modification, the current servicer filed for foreclosure on the original mortgage and didnt mention the modification to the court. I asked the court to vacate the order allow the foreclosure of the note and mortgage as the payment terms in the complaint did not match the deed and mortgage. In responding to the motion to vacate, the new lender introduced the modification.