davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-07
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. (NC)

This information reporting on my credit profile is inaccurate and I would like you to validate that it belongs to me per the accounts below. 

XXXX : XXXX XXXX Original creditor : XXXX XXXX  {$800.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account XXXX  XXXX Original creditor : XXXX XXXX XXXX {$520.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XX/XX/XXXX Original balance {$520.00} EQUIFAX : XXXX XXXX XXXX Original creditor : XXXX  {$520.00} Balance updated Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Original balance {$520.00} XXXX : XXXX XXXX Original creditor : XXXX XXXX 
{$520.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$520.00}
Consumer complaint received 2021-11-12
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. (SC)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I have been patiently waiting on their response to the written requests I sent in TransUnion. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX 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  XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2020-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (DE)

Each charge off and collection account was paid balances are {$0.00}. In addition the collection agencies sent payment confirmation letters to the bureaus requesting the removal of the collection accounts. It has been over 45 days and the accounts have not been removed from my credit profile nor has the balances been updated.
Consumer complaint received 2020-07-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

This occured on XX/XX/2020 in the amount of {$180.00}, I had sent a payment via XXXX  and it went to an inactive hacked account. As soon as I realized the issue I called my bank immediately since the funds were still on hold on XXXX  and hadn't been accepted so there was still time to do a chargeback. But I was told by my bank I would just have to wait until it falls of XXXX and return to my account. I was very frustrated not knowing who to seek because it is hard to get in contact with a XXXX   rep, I finally got in contact with XXXX  and all they told me was they can't access any of their accounts and reverse any transactions. Well today XX/XX/2020 whom ever had access to that account realized there was money pending, denied my refund and took the money that didn't belong to them! Nobody did anything but tell me there was nothing they could do!
Consumer complaint received 2022-12-28
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$620.00}, XXXX XXXX Balance : {$440.00}, XXXX XXXX XXXX Balance : {$5200.00}
Consumer complaint received 2020-07-02
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)

There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Names : XXXX, XXXX, XXXX ( TU ) Names : XXXX, XXXX XXXX ( TU ) Names : XXXX XXXX ( TU ) Address : XXXX XXXX  XXXX ( TU & XXXX  ) Address : XXXX XXXX XXXX ( TU ) Address : XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( XXXX  ) The following items are reporting as a result of Identity Theft : XXXX XXXX XXXX Date Open : XX/XX/XXXX ; Bal : {$59.00} ( TU, XXXX, XXXX  ) XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( TU & XXXX  )
Consumer complaint received 2020-07-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (NC)

A collection agency named Phoenix just reported a {$790.00} collection account on my credit report. I had no contact from XXXX in any way, before they blindly placed this account on my report. They are supposed to notify me, and give me 30 days to answer for it, before reporting this. However, they did not gave me that opportunity.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have placed disputes in regards to my payment with Equifax about my reported payments on my Mortgage account. As of today the payment has not been reported. I appears that Equifax is taking its time to update incorrect information which delays the reporting of the correct Credit Score. 

This appears to be a deliberate act. I also dont understand how my scores are moving by XXXX, XXXX and XXXX points with all the no reported payment being corrected on other accounts.
Consumer complaint received 2022-08-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC (AL)

When I was XXXX in Hawaii I bought a truck for XXXX upon contract completion I got out on military orders to leave. The lender would not allow me to ship the vehicle with me so I was forced to do a voluntary repo. After a year of discussing back and fourth with the lender I was made aware that all debt was cleared and the account was closed. Now ( XXXX later ) I happen to check my credit report and I have a collections for XXXX with the lenders name as the original lender. Im not sure what it is for, and was never sent a letter or notified of the collections before they reported it to my credit. I have taken a major loss in credit due to this. I feel it is extremely damaging to come after my credit without ever giving me a chance to dispute or resolve the debt. Thank you.
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (GA)

After being a customer with Discover they closed my account after 11-12 years. I recently purchased a home where the lender had the closing attorney write a check to various credit cards that had small balances. Myself or the attorney made the error in selecting the box to close the account instead of it remaining open. I was able to keep all the other 4 accounts open by making a call and explaining the matter. Discover on the other hand said they were unable to reopen the account once closed. I even had a letter drawn up from the closing attorney explaining that the incorrect box was checked and was not required for the account to be closed by the loan. Due to the length of the account on my history, this account being closed with hurt my credit. I want to do all I can to dispute this in order for this account to remain open so I can continue building good to great credit history. If there's anyway that Discover can reverse this accidental matter and keep this account open this would be not only hugely appreciated but will help for further investment purchases as well. Thank you for your time in reading and ultimately resolving this matter.
Consumer complaint received 2020-07-02
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. (HI)

I was recently attempting to refinance my home and when my credit report was pulled, I had a late payment in XX/XX/2019 from a store charge card, XXXX XXXX ( XXXX ) XXXX  through XXXX  XXXX, severely impacting my score. I am currently 2 points away from the required score to refinance and was told to contact XXXX XXXX XXXX  to see about removing this blemish from my credit report. I was told to write a letter to XXXX  and they would respond within 2-3 wks. The letter included information such as the month of the late payment, XXXX and the situation at hand. My normal monthly is {$40.00} and an archived electronic statement dated XX/XX/2019 shows a past due amount due of {$100.00}, with a total amount due of {$150.00} on XX/XX/2019. I immediately noticed the discrepancy and paid the full amount ( {$150.00} ) on XX/XX/2019 which included the past due amount and charges through XX/XX/2019. This was a simple oversight, on that could have been avoided with a simple correspondence from XXXX XXXX XXXX. I accepted the late fees as I understand that the payment was in fact 2 days late. However, I have NEVER had a late payment on any of my credit cards, never mind reported on my credit report and have always paid over the minimum amount due. I did not receive any notification and was completely unaware of the blemish they placed on my credit report until I tried to refinance. Therefore, I wrote a letter to attempt to have this removed from my credit report. 
After not receiving a response, I contacted them yet again. I was then told to what a few more days. Again, I did not receive a response and called again. This time I was told that it was up to XXXX XXXX to respond and take necessary action so I was transferred. XXXX XXXXXXXX pretty much told me too bad and wait for them to respond. They have 2 days left and it will be 30 days to which they did not respond to my dispute and therefore, I am requesting that the information be removed from my credit report. This was a simple " 2 DAY '' oversight that will end up costing me thousands upon thousands of dollars and XXXX XXXX is unable to work with a long-term, good standing customer that has continuously paid on and above minimum balances and remained current on their account during the whole worldwide pandemic. They are being completely unreasonable.
Consumer complaint received 2023-05-25
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)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). How can you say it was already processed when I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2020-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MI)

XXXX is trying to collect a debt from me from XX/XX/XXXX that my exhusband opened. Our divorce wasnt finalized until XX/XX/XXXX but we were separated from XX/XX/XXXX until our divorce was finalized in XXXX. I did not open this account and did not have any knowledge of it until it showed up on my credit report. I have disputed it a couple times with no resolve. Again, this is not an account I opened and/or used.
Consumer complaint received 2022-08-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC. (CT)

Hello- I would like to lodge a complaint about this credit company - I bought a pair of boots for approx {$65.00} - it was with XXXX and it was a new store so I filled out an application for a new account with all of my personal information - email address, phone number etc. I was approved and bought the boots. 
Then we moved - all of our creditors bills were sent to the new address and everything was paid on time. Except with this company. 
The parent company if XXXX XXXX  and I have other accounts with this XXXX  XXXX XXXX XXXX - so they have many ways to contact me. However, I never received a bill from XXXX. 
Because I never received a bill, XXXX started to add on interest charges and two years later I receive a letter from Midland Credit that I now owe {$180.00}. 
I have tried to negotiate a more reasonable amount like {$75.00} or whatever but this is highway robbery and it is unethical. If it has happened to me then it has probably happened to others - I am XXXX years old and this may be happening to many XXXX  in our country. 

I would like to find a resolution to this matter. Please help. 

XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX
Consumer complaint received 2020-07-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am writing to you today regarding the following account with Capital One Auto Finance : account # XXXX, XXXX, XXXX XXXX, opened date : XX/XX/XXXX, highest balance : {$17000.00}. 

My dispute is because Capital One is re-aging the account. ( see attached proof ). 
They committing unfair business practices, negligence and breach of contract. 

My demand is to get the item removed from my report. 

Please send to Capital One the attached documentation. 

Thank you.
Consumer complaint received 2020-07-02
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. (NY)

These 2 accounts : XXXX  with a balance of {$16000.00} ( Opened XX/XX/XXXX & XXXX XXXX {$23000.00} opened back in ( XX/XX/XXXX ) Not only are these accounts more than 7 years old, they were not opened by me! They must be removed immediately! This is inaccurate and false.
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

I am writing this information today in hopes that I would not encounter any issues like this again. This is already my XXXX  issue this year with the Chime Bank MOBILE CHECK DEPOSIT feature. Today, XX/XX/10, I attempted to deposit a {$51.00} check from the US DEPT OF TREASURY. Chime returned my check and said it could not be deposited and to NOT attempt it again. Well, there lies the problem because this is a MAJOR issue for me, as Chime Bank is my primary bank where I receive my money and pay my bills. Additionally, during the Mobile Check Deposit, while signing my check on the back, I was instructed to put the words FOR CHIME BANK ONLY. Luckily this did not hinder me from depositing into another bank, but very inconvenient to go through this again! ( Even though I was prepared due to the last check deposit issue in recent months ). But those words could have easily been an issue for any Non-CHIME bank. Please do better.
Consumer complaint received 2023-05-25
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-02
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. (NY)

These 2 accounts : XXXX  with a balance of {$16000.00} ( Opened  XX/XX/XXXX & XXXX XXXX {$23000.00} opened back in ( XX/XX/XXXX ) Not only are these accounts more than 7 years old, they were not opened by me! They must be removed immediately! This is inaccurate and false.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC. (OH)

I've sent the credit Bureaus letters to verify the debt on my credit report. In response the credit Bureaus have looked into the matter and sent back reports saying, they have verified all the debts correctly. However, my credit report is still showing inaccuracies. I have highlighted the inaccuracies on my credit report. You will see the dates don't match up and are inconsistent from, ** Date Opened, Last Reported, and Date Last Active. ** The inaccuracies below- * XXXX XXXX XXXX : Account Number : # XXXX For all 3 credit Bureaus * Caine & Weiner : Account Number : # XXXX On XXXX Credit Bureaus Report XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX- Account number XXXX XXXX 15 U.S. Code 1681s2 ( A ) ( 1 ) - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (CT)

I went to XXXX XXXX in XXXX applied for the store card, and was given a credit limit of {$500.00}, I made a purchase that day {$75.00} & was waiting for my store card in the mail, I hadnt received it yet after several weeks so I called & had XXXX XXXX confirm address which was incorrect & they had sent the cc there. I asked that card be canceled & new one issued. After that I finally received my card & making monthly payments every time I tried to use my card it was declined. Long story short, I have not been able to card purchases so I called XXXX  XXXX customer service & they said I had no restrictions, I was never able to use the card to this day ( present day XXXX ). Any purchase I make at XXXX  XXXX is in cash. I make monthly payments & Comenity Bank & I have spoke with them & they are very rude ( customer service ) I have had my XXXX  XXXX card for more than 2 years to date, my balance is over {$300.00} balance. How can I have a high balance like that if I cant use the card, I pay monthly & Comenity Bank tells me, when I speak them that I dont make payments. I know XXXX XXXX is going out of business too. This unfair to me I have been paying for my card & I cant even use it, for many years. I have an example that something isnt going right, before the Pandemic hit I paid XXXX minimum payment & on my bill reflected on my due date I paid it on time & a late fee was charged, I called Customer service @ Comenity Bank told me I was suppose to pay Double that. I hope someone can help me thank you
Consumer complaint received 2022-09-29
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. (MD)

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 XXXX 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 homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.