davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Once again, I am a victim of identity theft and that the inquiries beling disputed were not made by me neither by someone I authorized. In short, these Inquiries werenever mine! Under the FCRA section 605b, I am requesting that the Credit Bureaus remove the siputed inquiries from my Credit Report and stop these erroneous reporting. I have been sending dispute letters to the Credit Bureaus having the exact same requets for the removal of the Dispute inquiries and they have failed to respond to my letters. The Credit Bureaus continued reporting the dispute inquiries without providing me copies of documents bearing my signature to support their claims that the inquiries were mine. I need the following inquiries removed from my Credit Report : 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 2022-10-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Remitly, Inc. (CA)

I made a transfer XX/XX/2022 with REMITLY, INC money transfer services in the amount of {$750.00}. REMITLY took the amount out of my bank account twice, totaling {$1500.00} the following day XX/XX/2022. They then canceled both of the transfers sending NO MONIES to the recipient, and refunded me on XX/XX/2022 only the amount of one transfer of {$750.00}. Repeated letters, chats, phone calls confirms that they still owe me an additional {$750.00} and they assure me it will be returned within 24-48 hrs, 3-5 days, 3-7 days, and/or 3-10 days depending on who I have spoken to. It has been over 100 days, now. And, still no refund of the additional {$750.00}
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

REMOVE ALL LATE PAYMENTS FROM MY CONSUMER CREDIT REPORT WITHIN 7 DAYS 5 U.S. Code 1666b- A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (NY)

I received a notice from XXXX XXXX I have a negative mark on my credit score. The company is L.J. Ross and Associates with original creditor as XXXX XXXX. I have moved my permanent residence but have forwarded all of my mail and have never received any formal notices about any attempts to collect a debt from this company ; just a negative mark on my credit score. According to XXXX XXXX, the account was opened on XX/XX/22. It is now XX/XX/22.
Consumer complaint received 2022-12-11
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: Early Warning Services, LLC (TX)

In XXXX XXXX XXXX, a XXXX XXXX XXXXXXXX account was opened under my name that I was not aware of. Ive disputed this multiple times with XXXX XXXX XXXX and Early Warning services however they refuse to remove from my report.
Consumer complaint received 2022-10-14
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Therft Report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft Report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX  XXXX Date Opened : XX/XX/2017 Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

XXXX PROS XXXX XXXX : XXXX XXXX XXXX OF XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX MB FIN SVCS : XXXX.
Consumer complaint received 2022-08-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have reached out to Experian Credit Reporting regarding inaccuracies on my credit repot, with one collection specifically. XXXX XXXX XXXX has listed on my credit report inaccurate information. 
This is the correct information, directly from the loan documents. 
1. Date Opened - XX/XX/XXXX I signed document in XX/XX/XXXX electronically *see attached 2. Last Payment - The company shows last payment XX/XX/XXXX but shows {$0.00} and in XX/XX/XXXX shows 120 days past due. If I had made a payment it would have been modified, they clearly state {$0.00} was taken. 
4. In XX/XX/XXXX, I recieved a collection notice with the amount of {$810.00}. Yet the report states it was {$960.00} in XX/XX/XXXX. 
*I have included several documents showing my previous disputes and response from Experian , as well as loan docuemnts. 
I have requested documentation and a response from XXXX with no answer. They have been sent the same documents. I have disputed this XXXX in the last six months. 
I want the correct information provided, with documentation, which both Experian and XXXX refuse to give me. 
I am currently in a class action for Experian and XXXX XXXX for inaccurate information from years ago. They seem to be repeating themselves. 
I understand the collection company verified the acct, but with what? Is there word enough, even when I have loan documents, clearly stating correct date and information. This has been an issue for 2 years, directly impacting my ability to get credit.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$780.00} XXXX XXXX Balance : {$3900.00}
Consumer complaint received 2022-08-14
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. (IL)

to whom it may concern, On XX/XX/2022 I received a copied of my report and noticed Transunion had a address that didn't pertain to me. I submitted a dispute via email and received a letter from Transunion on XX/XX/2022 still reflecting that the address that is an error, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Il XXXX. 

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/year>
Consumer complaint received 2022-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (MO)

Starting the middle of XXXX Source Receivables Management has been harassingly calling me trying to collect over {$300.00} on some XXXX  debt I am not familiar with. Before they started contacting me in XXXX I had filed a previous complaint about this company contacting me asking for someone else back in XXXX. Told them they had the wrong number but, they harassed me and forced me to file a previous complaint against them. Seems this could be retaliation by this company for my previous complaint against them.
Consumer complaint received 2022-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

We refinanced our 2 mortgages into one at Citizens Bank in XX/XX/XXXX. Real estate and school/property taxes were to be paid through our escrow account. We have two parcels, one across the street with no building on it and our main parcel with our house on it. 
On XX/XX/XXXX I received our XXXX real estate tax bill from XXXX XXXX XXXX. They were two separate bills. One in the amount of {$2600.00} ( with the house ) and the other {$500.00}. These were Face Value, not including the discount if paid by XX/XX/XXXX. 
On XX/XX/XXXX I received a letter from XXXX requesting payment of the school real estate bill for our small parcel in the amount of {$550.00}. XXXX XX/XX/XXXX I called Citizens and spoke to XXXX. she told me to request that the bill be paid through escrow account. She said it would take 10 business days to go through. 
On XXXX XXXX I got an Escrow Account Disclosure Statement saying I had a shortage in my escrow account in the amount of {$910.00}. I could either pay it in full or have it spread across my monthly payment in XXXX. I chose the latter.I assumed it had something to do with this bill that wasn't paid. 
On XX/XX/XXXX a letter from XXXX XXXX XXXX XXXX XXXX was sent to me trying to collect the {$550.00}. I called Citizens and XXXX claimed they paid {$490.00} for that bill in XX/XX/XXXX, but it was refunded on XX/XX/XXXX. They were going to do a New Analysis on the Account and would have an answer in 10 business days. she said the main parcel with the house was paid $ XXXX turned out the check for {$490.00} was sent to the wrong taxing authority - XXXX XXXX XXXX and was returned. 
On XXXX XXXX I got another letter from XXXX XXXX XXXX wanting to be paid the {$550.00}. A call to Citizen 's told me that amount was due to be paid XX/XX/XXXX. On XX/XX/XXXX another letter from the law office now wanted {$600.00}. XXXX from Citizens said it was paid XX/XX/XXXX and it would take 10 business days for them to see it in their system. XX/XX/XXXX - next letter from law office - fee up to {$770.00}. XX/XX/XXXX - new balance due $ XXXX XXXX XX/XX/XXXX I spoke to a supervisor at Citizens XXXX They would get this paid and cover the penalties and interest. On XX/XX/XXXX I received two emails from Citizens stating my real estate tax was paid- {$600.00} and my tax penalty was paid- {$470.00} all paid from my escrow account. So instead of me paying the original {$470.00} through my escrow account on time, I have paid {$1000.00}! I am now waiting for another Supervisor to call me back.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - BALANCE {$3800.00} XXXX XXXX XXXX - BALANCE {$3800.00} XXXX XXXX XXXX XXXX  XXXX - BALANCE {$580.00} XXXX XXXX XXXX # XXXX - BALANCE {$480.00} XXXX XXXX # XXXX - BALANCE {$840.00} XXXX XXXX # XXXX - BALANCE {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX - BALANCE {$660.00} XXXX XXXX  XXXX - BALANCE {$11000.00} XXXX XXXX XXXX XXXX # XXXX - BALANCE {$740.00} XXXX XXXX XXXX XXXX # XXXX - BALANCE {$1200.00} XXXX # XXXX - BALANCE {$99.00} XXXX XXXX  XXXX - BALANCE {$99.00} Unauthorized inquiries : XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I sent an initial complaint dated XX/XX/2024 with the inaccuracies that are being reported differently across Experian and XXXX. They ( XXXX  ) received that letter with certified returned receipt on XX/XX/2024. Their response was a " canned '' response that all is well and they are reporting EVERYTHING accurately. A second letter was sent today ( XX/XX/2024 ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Consumer complaint received 2022-12-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC (CO)

The company, Source Receivables Management, calls me every XXXX When I ask what company they are from, they state the companys name. When I ask what type of business this is, they immediately hang up on me. This is refusing to identify them as a debt collector which is illegal under both XXXX XXXX XXXX XXXX I have not even been able to discuss anything with them as they hang up every XXXX time that I ask them what their business with me is. This is an obvious case of malicious harassment by a debt collection agency that goes directly against state and XXXX XXXX requiring debt XXXX to identify themselves as XXXX XXXX
Consumer complaint received 2022-07-24
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: SYNCHRONY FINANCIAL (MO)

On XX/XX/2021 I started my first dispute about XXXX XXXX XXXX XXXX XXXX {$2200.00}. At that time, they closed my claim without letting me know the reason. Please I would like copies of all documents that XXXX XXXX XXXX presented to the bank. I also want the " before and after " photograph of me that she sent to the bank to prove her case. Thanks.
Consumer complaint received 2022-09-18
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. (GA)

ON AROUND XX/XX/2022 I DISPUTED INACCURACIES AND INCONSISTANT ACCOUNTS SHOWING ON MY CREDIT FILE BY THE CREDIT REPORTING AGENCIES, I ASKED THEM TO VERIFY THE ACCURACY OF INFORMATION AND SEND PHYSICAL PROOF OF VERIFICATION PROCESS. THEY HAVE FAILED TO PROVIDE ANY SUCH PROOF AS WELL THEY'RE CONTINUING TO REPORT INACCURATE INCONSISTANT INFORMATION. 
ACCORDING TO THE FCRA THEY MUST REPORT 100 % ACCURATE INFORMATION, OR UNVERIFIED AND INACCURATE REPORTING MUST BE DELETED. DUE TO THEIR NEGLEGANCE I'VE BEEN UNABLE TO OBTAIN ANY CREDIT, EMPLOYMENT, AND HOUSING.
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

The payment history on my credit report from capital one on two of my credit cards are wrong. They are showing late payments for the early part of XXXX and I was not late. Please help me investigate and correct the problem. I have tried to get this problem fixed but they keep coming back verified but no information was ever sent to me. I dont get how it is verified if the information is wrong.
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I became late on my payments due to having the automatic payment feature turned on on my account and after I realized that I was late on my payments I paid in full the past due amount in order to keep my accounts current I was never warned that I was going to have my account closed and then they closed my accounts as well as closed a free credit monitoring service they offered account for me as well in addition to this they stated on their website that my account was just restricted but my account is actually closed with them whenever I tried to dispute charges according to their guidelines on their billing statements for items that I was not happy with they refused my dispute and recharged me for the items in dispute. They have not given me any options to open my accounts back up nor did they give me any reason for them to close my accounts when I asked them and even wrote them XXXX different times.
Consumer complaint received 2022-10-22
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. (FL)

To whom this may Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying I had some identity theft on my credit card, so I want to make sure everything is correct because I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of, which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a ) 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) 1681i ( a ) ( 2 ) 1681i ( a ) ( 3 ) 1681i ( f ) ( 3 ) and 1681 Sec.604A Sec.2 ,15U.S.C. 1692 ( C )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

So I have notice a Number on hard inquires that are completely fraudulent and I have no knowledge of these hard inquires Hard Inquires XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX, 2022 NCC XXXX XXXX XXXX Equifax 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 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I am filing this complaint against Experian for their ongoing failure to maintain accurate and complete information on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to dispute and correct erroneous information, Experian has persistently reported false, inaccurate, and misleading information on my credit file. 

I have provided Experian with the correct and accurate information that should be reflected on my credit report, including my name, date of birth, Social Security number, address, and phone number. Additionally, I have disputed specific accounts that are inaccurately reported on my credit report, yet Experian has failed to correct these errors or conduct a proper investigation as required by law.