davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-28
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. (NJ)

On XX/XX/2020, after pulling my credit report, I discovered multiple accounts on it that I did not recognize. Few days went by and I went file Police Report on the XXXX of XXXX, 2020. With the Police Report in my hands, On XX/XX/2020, I submitted my first dispute package to the CREDIT BUREAUS, with a list of all the accounts that were not mine. As of today 's date, I still have a few accounts that I need out of my credit report so I decided to take an extra step, contacting the CFPB for some help. Below is a list of accounts names remaining on my credit report that are not mine and they are badly affecting my credit score : XXXX and two accounts with XXXX XXXX XXXX XXXX XXXXXXXX Unfortunately, I am not able to upload my last complete package that I mailed out to the credit Bureaus, but attached are the most I was able to upload.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX found me in 6 data breaches by monitoring my email XXXX. the 6 data breaches are : XXXX  Reported XX/XX/XXXX, Not Disclosed Reported XX/XX/XXXX, XXXX Reported XX/XX/XXXX, Not Disclosed Reported XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and XXXX. I am disputing all of the information due to be incomplete and inaccurate.
Consumer complaint received 2021-01-28
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: Experian Information Solutions Inc. (NJ)

For several years now I had submitted multiple letters of dispute to XXXX  XXXX. I never received any answers to my dispute letters. This account violated the fair credit account for failure to answer or respond in the proper time limit to answer a dispute. The last letter was XXXX 2019. And like the others sent to the creditor on numerous times was never ever answered. This was since sold twice to two different collections agencies. A violation of my rights. My credit has since gone down significantly and even complaints to the credit bureaus on numerous occasions they have refused to correct my records. I am attaching a copy of a letter of dispute which they never responded to and now they are past the deadline. All credit reports and creditors of this account must legally be removed.
Consumer complaint received 2021-01-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX, Transunion and XXXX  have constantly used their position of being consumer reporting agencies. The misuse and inaccurate reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA
Consumer complaint received 2021-01-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i havent recieved any investigation results.
Consumer complaint received 2021-01-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Some companies have mentioned they didn't receive all attachments. This has to do with theft of identity, impersonation, false pretenses, credit card theft, fraud payments that allowed the credit limit to be exceeded, forgery, fraud in 2017. Cards and private information was stolen out of my office before I became aware. I am re sending to XXXX, 2017 XXXX 's Report, IRS XXXX Fraud affidavit, and information on the thief who is currently in XX/XX/XXXX in Mississippi for forgery and false pretenses.
Consumer complaint received 2021-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I contacted transunion on several occasions disputing and requesting the description of the procedure used to determine the accuracy and completeness of the debt they claim I owe. I have also contacted the creditors in order to confirm the debt they claim I owe. Since these creditors can not verify these debts, Even tho I am the alleged debtor, transunion couldnt have verified these items. The FCRA, FDCPA and FCDA require a signature on a original consumer contract for a debt to be valid. As per FTC opinion letter of attorney XXXX XXXX XXXX you should be aware that a print out of a bill or itemized document doesnt constitute verification. I would like to inquire how these accounts were verified without providing any proof during my signature. I formally request the method of verification or any document provided during my signature showing that I have or had a legally binding contractual obligation to pay the debt your company is reporting inaccurately. In accordance with the Fair Credit Reporting Act section 168 i, Your company is required to reinvestigate these items and delete them in the absent of any such documentation baring my signature. If you cant show proof that you have verified these debts and you continue to list these items on my credit report I am prepared to sue your company under the Fair Credit Reporting Act.
Consumer complaint received 2021-01-28
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (CT)

I had opened two custodial accounts with TD bank for my two kids back in the late nineties, As as XX/XX/XXXX account # XXXX had {$67.00} As of XX/XX/XXXX account # XXXX had {$4100.00} About three months ago I went to withdraw money from the accounts and was told that they had been turned over to the state due to inactivity, but going on the State of CT. website i discovered that they had not been turned over. 
This is from the TD Branch in XXXX, CT. 
Ever since then I have been given the runaround first by the assistant manager XXXX XXXX and about two weeks ago by the manager ( I did not write down her name ), who said that the money would be available the following day in the form of a check. 
When she did not contact me to pick up the check I called and left a message. This was on or about XX/XX/XXXX. She has to date not returned my call nor has she refunded the money I had in the two accounts totaling {$4100.00} plus accrued interest. 
I have been advised that these two accounts are no longer in the system but I do have the passbooks
Consumer complaint received 2022-09-26
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: Credit Karma (CA)

Credit Karma kept suggesting that I should apply for a low interest credit card which would improve my credit score and help me save money on existing balances. Credit Karma also suggested multiple credit cards to apply for with outstanding and very good approval odds. They have obviously tricked me into applying for one of these cards. Thanks to their misleading wrong information I was denied credit and I now have one more hard inquiry on my credit report. They're nothing but a bunch of thieves playing games with people 's credit worthiness. I wouldn't be surprised if they have a very profitable deal worked out with these banks to get us to apply for their cards by lying to us. The hard inquiry caused by their fake information should be removed from my credit report. I'm sure I'm not the first or last victim to this scam. It needs to stop.
Consumer complaint received 2021-01-28
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: Experian Information Solutions Inc. (CA)

On XX/XX/2020, XXXX XXXX ran without my permission. XXXX XXXX ran credit without me signing consent.I took XXXX XXXX to court judge ruled in my favor to have all the auto loan inquires removed from my reports.
Consumer complaint received 2021-01-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Charleston Area Medical Center (WV)

Health Care Financial Services has summitted a balance of {$830.00} on my Credit Report. I have never had an account with them nor have I signed any documents, contracts or agreements with them. I disputed the claim several times according to the Fair Credit Reporting act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Health Care Financial Services sent me a copy of my signature on another company 's contract.
Consumer complaint received 2021-01-28
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)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : XXXX of 2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2021-03-24
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. (LA)

I was so stressed regarding to those unknown and inaccurate account that I've found on my credit report and I've sent documentation for almost 30 days now but I haven't received any response yet. I demand to REMOVE IMMEDIATELY those accounts or I will file litigation.
Consumer complaint received 2021-02-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (TX)

First of all, my XXXX had so-called emergency treatment on XX/XX/XXXX. I tried to fix the problem with the XXXX XXXX XXXX XXXX and contacted my insurance and XXXX. Then, they assured that they can take 20 % off from the statement and I tried to schedule a payment plan with additional discount due to XXXX. 

Around XX/XX/2020 I noticed that I was referred to debt collector called Medicredit - XXXX XXXX XXXX Maryland XXXX, MO XXXX. 

I talked to them twice and send the documents around XX/XX/2020 and they still send the incorrect amount of {$1800.00} which I will not pay and can not even afford it.
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (PA)

On XXXX, 2020 my bill did not go through BARCLAYS BANK DELAWARE - account with 1 missed payment. I am kindly requesting BARCLAYS BANK DELAWARE to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2021-02-20
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (OH)

On XX/XX/XXXX I called Synchrony Bank asking for covid assistance on a store credit card that exited a no interest promotion in the second half of XXXX. At the time the no interest promotion expired my balance was a little under {$3000.00} and since the time the no interest promotion expired at the end of XX/XX/XXXX I have been charged {$2700.00} in interest -- while continuing to make $ XXXX/mo payments and not incurring new charges -- which is completely absurd. My balance today is just under {$4800.00} ... 

This was my second call to the company asking for help in XXXX of XXXX and in both calls I spoke to five total agents, supervisors, and managers who all told me they are not permitted to provide any assistance. The supervisors and managers repeatedly state that they are " unable '' to help me in any way, and when pressed to clarify they have said they made a business decision to not waive any interest charges even when people express a need for assistance due to covid relief. One associate also told me that I should have called sooner because they stopped helping people in XX/XX/XXXX. 

Working in a financial services industry myself, I know that the phrase " unable to help '' is a lie and really they are actively choosing to inflict predatory interest charges and provide no meaningful assistance during a pandemic. 

This firm ought to be ashamed of itself and I hope by raising this complaint with a federal government regulator they will be motivated to do the right thing.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-18
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. (PA)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material representation of fact by me relevant to the request to block the identified transaction.
Consumer complaint received 2018-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MLD MORTGAGE INC (CA)

On or about XX/XX/2018, the servicing of my mortgage was transferred from XXXX XXXX  to MLD Mortgage. I was notified of the transfer and advised that any payments made by me to XXXX XXXX  in the first 60 days after the transfer would be posted to my account as though they were made to MLD Mortgage on the date received by XXXX XXXX. I made payments of {$420.00} to XXXX XXXX through my credit union bill pay service on XX/XX/2018 and XX/XX/2018. Only one of these payments has been posted to my account, and not on the date received by XXXX XXXX, but on the date received by MLD Mortgage. Since early- to mid-XXXX I have been trying to work with MLD Mortgage ( XXXX ) to get my payments properly posted to my account and the interest on my loan correctly calculated based on the payment dates to XXXX XXXX. I have spent over 100 minutes on the phone with MLD Mortgage/XXXX and XXXX XXXX to try to get this {$420.00} payment correctly posted and credited to my account. I also spent an equivalent amount of time talking with my credit union and researching records to provide dates, amounts, and proof of payments. I have sent four different forms of proof of payment to MLD Mortgage/XXXX and yet they have failed to contact XXXX XXXX to find out where my payments are. Rather than try to solve this problem MLD Mortgage has put the burden of finding these payments on me. I recently received from XXXX XXXX proof of receipt by MLD Mortgage of the check from the XX/XX/XXXX payment, yet MLD/XXXX did not make effort to track this down prior to my providing that proof, and I still have no clear indication that they tracked this down. In addition, though I have made all of the required payments on my loan during this period and discussed the servicers error in not crediting my account, until last XX/XX/2018, I received at least two calls per day from MLD Mortgage saying that they were trying collect a debt. These calls were never by live people whom I might talk to and explain that MLD has not properly credited my account, but were robo calls requiring that I call back and be placed on hold. I also received a letter indicating that my loan was subject to foreclosure if I did not make the required payments immediately. I would like to get this corrected and would like my loan servicer to take responsibility for doing this.
Consumer complaint received 2021-02-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (AR)

I received notification on my credit report that there was a collection account from LVNV funding LLC. I did not recognize the account so I contacted the original creditor that was listed as XXXX XXXX  and I contacted LVNV Funding via Certified letter return receipt requesting that the debt the company was trying to collect funds on be validated. I specifically requested a copy of the contract which LVNV funding refused to provide to me. XXXX XXXX  stated they did not have a contract and ceased all collection attempts. Out of retaliation LVNV finding took the debt and re-aged the date that was listed, which is illegal. On the original count that they were trying to collect on LVNV stated that the original collection account was opened in XX/XX/XXXX, however out of anger they re-aged the date to show that the account was open XX/XX/XXXX. Originally this account was listed as a charge off LVNV decided to open the account and listed as an open account with their company as if I have credit or an account with them directly. LVNV finding has refused to provide me with a contract showing that guy had services with either their company or XXXX XXXX. They have refused to show me any documents showing that they are within their legal rights to collect on this debt. The only document that they sent me was a bill from XXXX XXXX that was dated XX/XX/XXXX. The bill that they sent is requesting payment on that specific date yet on another document that LVNV sent to me is stating that their company acquired the date on XX/XX/XXXX. The document also states that the debt was charged off on XX/XX/XXXX which is in entire month prior to the new re-aged date that LV in funding has stated that the account was opened. LVNV funding is using lies and deceit to try to force me to pay this debt that they are trying to extort money from me. As of todays date LV in funding has not provided any documentation proving that I owe this debt. They have not proved where this debt originated from. They have proved that they will use any illegal deceitful tactic to collect on this debt.