davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-31
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: Fidelity National Information Services, Inc. (FNIS) (DE)

Chexsystems reporting fraud account from XXXX # XXXX {$870.00} that does not belong to me and was a result of fraud from XXXX XXXX debit card transactions and needs to be removed from credit file and request chexsystems mail me a new updated correct Report
Consumer complaint received 2019-10-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

I do not wish to receive offers of a line of credit from OneMain Financial. I have requested to opt out via XXXX XXXX XXXX and through credit reporting agencies. I continue to receive this unwanted mail. 

This is like registering with DoNotCall and continuing to receive telemarketing phone calls. 

Offers of credit continue to be sent by : OneMain Financial XXXX. XXXX XXXX XXXX, IN XXXX
Consumer complaint received 2022-07-28
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. (TX)

I have reached out numerous occasions this year alone ( not even adding the times I reached out about this same concern last year ( XX/XX/2022, XX/XX/2022 ) about such issue and this will be the last time before seeking legal action. 

As I told and asked You ( " TRANSUNION '' ) before, I did not authorize anyone employed by these companies to make any inquiry and view my credit report, and to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature you have not and seems as if you can not. 

In addition, I did not give you ( " XXXX '' ) permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

I've demand you ( " TRANSUNION '' ) to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. You have not and seems as if again can not. 

In absence of such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

If my demands are not met then legal action will be taking for damages due to lack of compliance. If you ( " TRANSUNION '' ) will not abide by the laws that govern you I definitely don't want to do business with such company and will request my information be removed from your records. 


THIS IS MY LAST TIME REACHING OUT TO REMOVE SUCH INFORMATION FROM MY FILE BEFORE I SEEK LEGAL ACTION AND DAMAGES. 

YOU HAD 30 DAYS TO INVESTIGATE FROM THE DATE OF XX/XX/2022 IT IS NOW XX/XX/2022 TIME IS UP and you have yet to produce any type of verification so I demand Inquiries be deleted/removed. 

Send such deletion verification to my address ( updated credit file ).
Consumer complaint received 2022-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MO)

We moved to our current address and decided to go to XXXX to purchase cell phones. We did and we were promised that we would have perfect service at our address. We get home and sure enough we did not have ANY service at our house. We called and went to store were told we had to try a XXXX XXXX XXXX  at our house to help the signal. Waited for that to come in the mail all while not having a phone that worked. 
XXXX XXXX finally arrived paid an electrician to install device. The cell spot booster DID NOT HELP. So we went to store told them about the issues again. Spoke to managers. He said to call XXXX again. 
Called XXXX let them know we are not able to use our new phones anywhere on our property. Spoke to numerous individuals many different days purchased internet boosters for our house to see if that would help. Nothing we tried worked. So we had no choice but to return all equipment and cancel phone plans. I was promised by many XXXX personnel that the charges would be taken off and account closed. Finally spoke to manager XXXX on XX/XX/XXXX over the phone and said there would not be anything charged or anything pending on the account. To ignore anything that comes in that I was not liable. 
Started to receive collection letters from Convergent as well as bills from XXXX and negative hits on my credit report. Continuing to call XXXX to advise that I was told account was going to be closed and all changes dropped. Still has not happened. Spoke to XXXX  XXXX, XXXX XXXX and Finally XXXX all at XXXX. Besides going to the store 3x spoke to XXXX and XXXX. 
Spoke to XXXX at customer service again last week she said she would escalate issue because she saw the notes in system and no usage on any of the cell phones or plan and that a manager would call me back. Called back yesterday and was told they couldnt do it on their end that I had to call convergent to file a dispute package. 
So here we are. I do not owe this company and have never had a negative credit report. I pay my bills. If I were responsible for these charges I would have paid. But refuse to pay when I was told just return and nothing will be charged if I didnt have service at our house. I returned all equipment to XXXX and verified it was received by them. I am Not responsible for this debt.
Consumer complaint received 2021-10-16
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: Experian Information Solutions Inc. (TX)

I will be mailing the documentation to you. I have one and I keep deleting tons of complaints. This complaint is regarding Experian Credit Bureau. I did everything and they are only one I'm having problems. The person that stole my identity, has a account on Experian, under my social security, I told them in the later wrote on XX/XX/2021, I told them in letter because I could not log in their website because that email. 
I have XXXX XXXX and on XX/XX/2021 while in my backing acct their was link to Experian to check XXXX score. I clicked on link, and discovered Experian still that email under my social security number on my bank account. I told XXXX, because of Experian incompetence my bank acct has been blocked for 9 days!
Consumer complaint received 2022-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX other accounts Total balance : {$0.00} XXXX {$1500.00} Closed Unknown payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Open account Balance on XX/XX/XXXX Loan Amount {$1500.00} {$1500.00} Payment Info Status Collection account Status date XX/XX/XXXX Past due amount {$1500.00} Original loan amount {$1500.00} Monthly payment - Late payments - No payments have been reported on this account.
Consumer complaint received 2021-10-15
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: EQUIFAX, INC. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX  XXXX. The collection agency annoyingly contacted me even it is already After XXXX XXXX. or before XXXX XXXX. This violates FDCPA Section 805 ( a ) ( 1 ). Prior to submitting this complaint, I have sent over 3 letters to the Buraus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Consumer complaint received 2021-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (LA)

XXXX 2021 I CONTACTED CONVERGENT OUTSOURCING ABOUT A DEBT THAT WAS ON MY CREDIT REPORT THAT IS NOT MY DEBT, { THIS IS NOT THE FIRST TIME I REACHED OUT TO THEM CONCERNING THIS SAME DEBT } ' I WAS TOLD THAT THEY { CONVERGENT OUTSOURCING } WAS GON NA SEND ME A FORM TO FILL OUT, IT HAS BEEN A MONTH AND I HAVE NOT RECIEVED ANY MAIL FROM THEM ... .THIS WAS THE SECOND ATTEMT TO GET THIS FIX.. 
I HAVE A MORTGAGE PENDING AND IM STILL WAITING ON THE AFFIDAVIT..
Consumer complaint received 2021-10-15
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. (NV)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2022-05-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 a letter was sent requesting the removal and update of several accounts reporting to my credit file inaccurately. 

XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX  ) This letter was sent 60 + days ago. Not only have I not received an UPDATE regarding the results and status of the investigation. I STILL shave these inaccurate accounts reporting to my credit.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

XXXX XXXX I have previously sent out a complaint through the XXXX portal to rectify my information on my credit report not reporting a 100 % accurately. And my rights are being violated, i also made a complaint statement regarding the tax fraud That Equifax is doing .How your company is illegally reporting a charge off on my credit report still You violated FCRA 15 USC 1681eb and the information you reported is not 100 % accurate. On top of the Tax Fraud you have committed. My complaint today is to address the willful neglect and lack of response to my previous complaint with the CFPB i have give me 30 days which is the more the reasonable time. For you to fix the situation i have not received the response back or letter regarding these matters. XXXX XXXX XXXX XXXXXXXX, This account is still On my credit report.. Remove it at once. Thank you XXXX XXXX
Consumer complaint received 2021-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I'm lost for words, I went through a financial hardship but made good on this account with Capital One reporting XXXX and paid it. To date it is still listed on my credit file as I owe which is inaccurate and untrue. I have called, called, called and still no one cares. Please help
Consumer complaint received 2020-07-08
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 — Their investigation did not fix an error on your report
Company: BMW Financial Services NA, LLC (NJ)

Around XX/XX/XXXX I was contacted by BMW to defer my payments due to the impact of Hurricane Irma. I was allowed to defer up to 90 days with no issues. Everything reported fine XX/XX/XXXX, XX/XX/XXXX and in XX/XX/XXXX I paid in full all 3 months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. BMWFS in XX/XX/XXXX reported me as late for 30 days. I've contacted BMW and they said that I never replied to the email so I wasn't in the program. The letter states that : 1. We have noted that you are in the area impacted by the storm. 
2. We will not assess late fees for the next 90 days.

3. To contact IF I have any questions This does not state to contact to enroll in any program, also if I was not in any program then I should be 90 days late and BMW would've contacted me about my late status. None of this happened. I've contacted BMW and they said they would not help me and the reporting agencies only go back to BMW and use them as the source of truth.
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (AZ)

PNC BANK REFUSES TO HELP COLLECT A XXXX DEBT THAT A FRAUD CAR SALE HAS CAUSED ME A CONTIUED LACK OF MONEY I CALLED 4 TIMES ON XX/XX/10 AND WAS EITHER HUNG UP ON OR TRANSFER DROPPED AFTER 45 MINUTES AND BANKERS NOT ONCE TRIED TO CONTACT ME BACK,.
Consumer complaint received 2019-10-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Good Afternoon, I was a victim of Transunion inquiry Issue. Reached out to their Customer Service at XXXX and spoke an agent. Transunion 's customer service was not able to handle or resolve this issue. 

TRANS UNION XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX
Consumer complaint received 2020-07-08
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP (SC)

We are senior citizens on a fixed income and recently experienced a pipe burst in our home. We made an insurance claim and was awarded {$10000.00} to address the cost of repairing the damage. As is customary the check was endorsed to the mortgage company as well as myself. when we contacted the mortgage company to be advised on the process they required us to endorse the check fill out additional paperwork and send the check. After waiting over 2 weeks, with no response they advised us that they are holding our check in escrow and will send out a list of requirements that we have to follow win order for them to release our funds, which includes us paying for the expenses upfront before they will release 50 % of the funds in addition, they advised that they will not release the remainder until the funds until they inspect the work. 

They are advising that we have to provide proof of license, W2, Contracts, etc ... all items that ARE NOT required by the Insurance company or the State of South Carolina for flooring repair or wall repair. We are senior citizens who can not afford to pay for the work up front. We are also advised by our insurance company that this is excessive for an insurance check so small.
Consumer complaint received 2021-09-26
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. (FL)

I have filed disputes with Transunion about the information thats being furnished on my report without my consent as well as the negative reporting that has caused damage to my life and living circumstances. I am aware that this bureau is in violation of 15 USC 1681 ( a ) ( 4 ) - Infringed upon a Consumers right to privacy as well as 15 USC 1681b ( a ) ( 2 ) - No Permissible Purpose/No written instruction
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

Today, XX/XX/2021 I contacted Experian at XXXX to get my credit freeze lifted, so that I could refinance my home mortgage. The options were limited and I inadvertently froze my credit. I was given a confirmation number ( XXXX ) and informed that my 'pin ' would be texted to me. I have not received a 'pin ', which I need to unfreeze the account. My complaint is that I have not received the pin, and Experian does not give consumers access to a 'live " person to resolve issues.
Consumer complaint received 2021-08-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$500.00} I was scammed out of {$2500.00} for an apartment on XXXX. As soon as I found out I went and filed a police report, printed out all the e-mails and gave them to Citizensbank. Citizensbank turned around and told me there is nothing they can do.
Consumer complaint received 2021-03-31
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. (LA)

To Whom It XXXX Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. Collection Creditor : XXXX XXXX XXXX Collection Creditor : XXXX XXXX
Consumer complaint received 2021-10-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Bread Financial Holdings, Inc. (PA)

They threatened to take my social security benefits from me after being off do to being XXXX  with XXXX XXXX. Im on XXXX  XXXX now. They call me everyday threatening me, Im a single mom of XXXX children
Consumer complaint received 2021-10-15
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. (FL)

Hello, My name is XXXX and I am a XXXX XXXX XXXX. Over the years I have had a hard time keeping my personal credit score stable. ( XXXX ) I pay most of my personal and XXXX bills on time and in most cases early, which I have proof of. My problem with TransUnion and the other credit reporting companies and credit card companies is that they DO NOT separate small business credit/history with the business owner 's personal credit. For example : I have XXXX XXXX  credit cards and those XXXX use those cards on a daily basis. As the company issued credit line begins to be used this begins to heavily impact my credit score thus causing it to fluctuate literally weekly. I would understand if this was a new account but we have been with the credit card company for years. Here is the problem. If the credit card company solicited my XXXX  and issued the XXXX  multiple credit cards but reports the credit usage to my personal credit report then why doesn't TransUnion and the others have a business credit report section/division? I am willing to bet this is not an isolated thing and that many of us XXXX XXXX owner 's are having the same problem. Because of this ongoing issue, I have had a hard time getting loans to buy a house and automobiles. I understand the " personal guarantor '' purpose the business owner must sign to have ultimate responsibility for the credit card usage but that does not absolve the company from being responsible as well and only reiterates the aforementioned. Separation of XXXX and Personal I feel this is something that has class action written all over it and am ready to retain an attorney to start the process. By the way, when I used and occasionally still do, my XXXX  XXXX XXXX card for over XXXX XXXX dollars annually my credit problems did not exist. Now that vendors do not want to take XXXX I have been forced to switch to others. Another issue I have found is that it seems reporting to the credit bureaus by the credit card companies is optional and at their discretion. Or in other words : " pay on time and we could care less, pay late and we will report you ''. The only reason I would think they would do that is to warn others ( credit card companies ) not to issue credit to or " black list '' you. I would expect it is the CFPB 's job to ensure the credit playing field is played equally and fairly by both the consumer 's side and the credit card/credit bureaus side . 

Please let me know if you can help before this gets really expensive for me. Thanks again for your time.
Consumer complaint received 2022-01-04
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. (RI)

I did not consent to this UNFAIR and INACCURATE information to be reported to MY consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Report must be in accordance with Consumer
Consumer complaint received 2022-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I mailed dispute letters to XXXX, XXXX, and TransUnion regarding the correction of several inaccuracies on the following accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ...., XXXX XXXX # XXXX ...., XXXX XXXX XXXX XXXX # XXXX. 

Pursuant to 15 U.S. Code 1692g, letters requesting the validation of debt were mailed on XX/XX/XXXX directly to XXXX XXXX XXXX XXXX # XXXX. 
In accordance to 15 U.S. Code 1692g, XXXX XXXX XXXX XXXX # XXXX was to provide a breakdown of what the past due balance is for and a copy of the original signed contract from the original creditor. 

Pursuant to FCRA section 609, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, a request for copies of the original signed contract/agreement/application was sent to XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ...., XXXX XXXX # XXXX XXXX.. 

As of today, the credit reporting agencies ( XXXX, XXXX, and TransUnion ) and credit furnishers have yet to respond back to the disputes, debt validation, and section 609 requests.