davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-20
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. (FL)

My credit report now has 42 inquires all of which are fraudulent. i have advised XXXX XXXX and transunion All of these companies referred me back to the creditors that submitted the request who referred me back to the companies. I do believe the spike in these request came from the data breach i want these inquiries removed XXXX XXXX Never Applied XXXX XXXX-Never Applied Comenity bank- No Knowledge Capital one - this creditor has attempt to pull my credit 14 time in the past 6 months obviously it is not me XXXX/XXXX- Never Applied XXXX XXXX Was never my card i disputed this account and it was removed
Consumer complaint received 2018-02-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc (CA)

Hello,. 

I first received a letter from FCN dated XX/XX/XXXX. I immediately disputed this debt ( letter attached- XXXX sent vis USPS certified mail ) as this debt is not mine NOR did I agree to this debt NOR do they have any proof I owe this debt. 

I then received a second letter from FCN dated XX/XX/XXXX including some sort of statement of account ( attached- XXXX ). This statement did NOT verify the debt in any way. It did NOT provide any information I requested : -Documentation showing you have verified that I am responsible for this debt -Proof that I agreed to the debt you assume I owe I then sent another letter to FCN dated XX/XX/XXXX (  attached- XXXX sent via USPS certified mail ) stating that they had failed to verify the debt, thus requesting they stop attempting to collect on the debt I do not owe. 

Yesterday, XX/XX/XXXX I received a voicemail message ( not a recording ) asking me to return their call. In my letter dated XX/XX/XXXX ( attached- XXXX ), I requested them NOT to call me. Violation again. 

Today, XX/XX/XXXX, I received another letter from them ( attached- XXXX ) stating that MY documentation was insufficient and that I owe the debt. This is very ironic as I am using my LEGAL RIGHTS and THEY have FAILED to provide any verification as requested by me and required by law in my requests : -Documentation showing you have verified that I am responsible for this debt -Proof that I agreed to the debt you assume I owe I am tired of spending time, stress and money on a matter that is not mine. I am writing to you in hopes to get this removed immediately, without any further legal action. 

Thank you, XXXX XXXX
Consumer complaint received 2018-02-04
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX once again made an error on my statement that they're blaming on XXXX because they don't want to fix it. They keep telling me give us a chance, when I do I get XXXX responses such as the letter attached. I do not have any interest free purchases with them anymore. The 2 I had in XX/XX/XXXX should've been paid off with many payments made to them by now. Recently I get a statement from them showing 2 with very high balances & 1 low that should've been paid off by now! I went onto their site to dispute it even sending the same statement I've attached to show them all of the info. They sent me back a generic response stating I need to send it in writing! Email with attachments is considered in writing if I am correct! This is once again their way of refusing to handle problems. I told them I'd report the issue to you to force them to once again respond as I had to the last time they gave me the run around back in XX/XX/XXXX. They asked that I give them a chance, then I received the attached letter which is exactly how they avoided handling the issue before! I'm sick of this co. and have decided once they're paid off this acct. will be closed! I have no desire to do business with those that try to pass the buck and refuse to resolve problems. They don't need my business and neither does XXXX. Neither is really that good at figuring out problems or correcting them so the complaint will be against both co. 's. This way XXXX will see I had to file 2 complaints about the same issues against XXXX because neither wants to take responsibility for doing things right. I've made my payments on time, have used the card responsibly yet both co. 's just pass the buck to avoid taking responsibility and accountability. I've had it with both and will do my shopping else where. Neither is the only game in town and just gets worse as time goes on. I want this mess corrected effective immediately. If they don't I'll sue both until one of them decides to step up and do the right thing! I don't do the no interest deals anymore because they don't credit them back properly when I return something. So when I did the last $ 500+ purchase back in XX/XX/XXXX, it took me coming to you to get them to fix it, that was it for me! Now I see another huge no interest deal on here that I know for a fact I didn't do???!!! Nope! Not putting up with it anymore. I said it before that I would close the account but gave them another chance, now that is the intent with no turning back. Neither co. deserves my business with the horrific service levels provided over the last year and going into XX/XX/XXXX. I refuse to do business with anyone that can't provide top notch customer service. This problem better get fixed or I'll see both in court!
Consumer complaint received 2018-02-05
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. (FL)

I have a major issue with the credit bureau in regards to its reporting of several account from XXXX XXXX. I do have a few accounts with XXXX, however there are some accounts that I personally did not open and I also have duplicate accounts, well they are not necessarily duplicate, however they are from the same company for the same card with different account numbers where neither of these accounts were open by me. I have disputed these inaccurate accounts with the creditor and also with the credit bureaus. I have send request for validation of debt to the creditor by way of certified mail. I get no response and the credit bureau all though they are aware of these non-responded validation of debt request they refuse to remove these account from my credit profile. I have followed all necessary steps required by the fair debt collection and fair credit reporting laws and still have gotten nowhere. I would like to have the following accounts researched and deleted ASAP from my credit profile. I have given below both accounts that are mine as well as the ones that are NOT my accounts. 

Accounts to be removed : XXXX XXXX/ XXXX XXXX Account # XXXX I do not know the amount as it is not displayed on my credit profile. 

XXXX XXXX/XXXX Account # XXXX I do not know the amount as it is not displayed on my credit profile. 

XXXX XXXX/XXXX XXXX Account # XXXX I do not know the amount as it is not displayed on my credit profile. 

XXXX XXXX/XXXX Account # XXXX {$4500.00} XXXX XXXX/XXXX XXXX Account # XXXX and Account # XXXX Dont know why there are 2 XXXX XXXX accounts reporting for one person, but ... ... Both needs to be removed as I never applied nor opened a XXXX XXXX account. 

XXXX XXXX XXXX DC Account # XXXX *************Accounts that are mine and not in dispute*********** XXXX XXXX/XXXX   store card Account # XXXX XXXX XXXX/XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX While I am aware some accounts are mine. Some are not and I have followed what I should to have these removed and nothing has happened.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2018-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. ()

My studen loan servicer is Nelnet. They notified me at the end of XX/XX/XXXX that they will no longer accept credit card payments as a form of payment. I'm a US citizen that lives and works in XXXX XXXX and currently do not have a US bank account. I contacted them about this in early XX/XX/XXXX to see what other alternative payment options overseas borrowers may have - after several calls and emails, I was told a prepaid card would work. I obtained a travel prepaid card that allowed me to load US currency - this was declined by Nelnet. They then told me the card needed to be a prepaid card coded as debit. I met with my bank in XXXX XXXX and they helped me track down a prepaid card coded as debit that allowed me to load US currency - this was declined by Nelnet. Nelnet put my account into forbearance until XX/XX/XXXX ( without my permission ) saying that they would find a solution for me in the meantime. It is now the end of XX/XX/XXXX and I have not heard a word from Nelnet. I've continued to send emails and they either don't respond or reply saying that I can use a prepaid debit card - they don't actually address the problem ( that the prepaid card coded as debit doesn't work on their end ). Once I can plan a visit home, I will open a US bank account in my name - but I am not able to do that unless I am physically present ( I tried opening an account through numerous banks ). Unfortunately, I can't just hop on a plan to the US for the sole purpose of opening a bank account ( airline tickets are around XXXX dollars ). I believe Nelnet is intentionally not responding to my emails now. I have also lodged complaints with the Department of Education. The first response from the Department of Education was to close my case, saying their records show Nelnet gave me a solution. I lodged another complaint saying that Nelnet did not give me a viable solution as their advised forms of payment were not accepted. This complaint is currently open and is still not resolved.
Consumer complaint received 2018-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MO)

I have sent several letters to all three credit bureaus asking for them to remove a debt from National Credit Systems, after they have failed to validate that the debt belongs to me. All I am getting is " this account is verified. '' HOW? How, is it verified when you can't send me a signature, a lease, or anything! The creditors name is XXXX XXXX XXXX, for the amount of {$2300.00}. I most recently asked XX/XX/2017. They still can not prove that this debt belongs to me. By saying that it is " verified '' is not enough proof that this debt is mine.
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I frequently check my credit through XXXX XXXX, and today I noticed my credit dropped 96 points in my Equifax due to someone reporting a false address. Please help me sort this out. Thank you! 

Sincerely, XXXX
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I printed my credit report called XXXX XXXX  on XX/XX/XXXX. I spoke to XXXX at the Consumer Financial Protection Bureau on XX/XX/XXXX. Last year when the Credit Breach happened to Equifax I became a member of XXXX XXXX. Between XXXX XXXX and XXXX XXXX they show my credit history is 6 years in the making. I have a XXXX XXXX Account that reports to all 3 Bureaus Equifax, XXXX, and XXXX every month. I have had this account since XX/XX/XXXX. That's 7 years and 10 months. I have a XXXX XXXX Account since XX/XX/XXXX. That's 16 years and 2 months. I also have had a XXXX XXXX Account since XX/XX/XXXX. That's 12 years and 2 months. I have XXXX XXXX  and their credit Monitoring shows my 16 years of perfect credit. Never late, never missed a payment, never paid one cent of interest. I printed out the credit XXXX XXXX and XXXX XXXX from Equifax and XXXX XXXX only give me credit for 6 years even though these companies report monthly and they are on the XXXX XXXX. All I'm asking is to give me the years ive spent creating a wonderful history for myself. Please fix this. I'm waiting for the letter from you so I can send copies. Thank you for your time. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Fl. XXXX ( XXXX ) XXXX
Consumer complaint received 2018-02-04
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: CITIBANK, N.A. (MD)

On XX/XX/2017 Creditor tagged my consumer report as derogatory reporting discrepancies each time they update in which I am unable to get anyone on the phone to obtain supporting docs submitted by Sears referencing settlement of both accounts. Instead of removing the accounts upon receipt of lump sum payment they waited until a dispute came in the way both accounts were removed. They listed as charged off and still trying to collect more monies and damage my credit.

Citibank reports and update on XXXX reports several times within a month while Citibank and Sears report same account together as one on XXXX reports. I feel their practices is unfair. Citibank ( CBNA ) reports a remedy in comment section and tagging XXXX with Sears using the same address
Consumer complaint received 2018-02-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Federal Credit Control, Inc. (VA)

I have tried numerous times to remove this fraudulent debt from my credit score, but to no avail. I have submitted petitions and requests to XXXX, but have received no response. This debt is not mine and the result of identity theft.
Consumer complaint received 2018-02-20
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: SYNCHRONY FINANCIAL (IN)

My husband and I are in the process of moving and purchasing a home. In anticipation of this event I pulled our credit to check credit scores. Upon doing so I discovered a defaulted SYNCB/XXXX  account. Over two weeks ago I submitted a fraud complaint. I then received a response from XXXX stating that the creditor verified the account as accurate. I then called Synchrony Bank to discuss the fraud claim. The first person I spoke to said that we could simply pay the claim. NO WAY! I then asked to be transferred to another agent. They said that the process would take 10 to 60 days. We hope to close on a home in less than 60 days. That agent said he would transfer us to the investigator and they would take our information. The final agent said that she could do nothing to help us expedite the process. Please note the following facts : 1. We currently have 3 open accounts with Synchrony Bank. One is paid off with perfect pay ( XXXX 's ), the second is XXXX 's XXXX with a XXXX balance, charged on monthly and paid off and finally XXXX XXXX which has a balance on automatic pay and paid perfectly. All three accounts have our current address and correct phone number. 

2. The address used to obtain credit is a home we have not owned since XX/XX/XXXX. We have not lived in that home since XX/XX/XXXX. The account was opened in XX/XX/XXXX. 

3. The first agent I spoke to said that they reject all fraud claims made through the credit bureaus by consumers. 

4. We have never had a late payment or any derogatory credit. 

5. The interest rate on the mortgage will be higher due to lower credit scores. 

6. The agent was in fact not the investigator and she made the following statements : A. There is nobody with more authority than her at the bank B. There is no way to expedite the verification process C. She can not give us the account number in reference D. She can not transfer us to another account manager E. The investigators will not talk to us to help provide information F. Her name was XXXX # XXXX ( probably not correct employee reference # ) G. She wanted us to link our current phone number with the defaulted account! 

The effects of this error will cause thousands of dollars in interest charges and/or possibly lose the house due to delay in processing.
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have two tax liens. That were paid. On XX/XX/XXXX. 

We called the credit bureau ( Transunion ) on XX/XX/XXXX and they advised according to the law passed in XX/XX/XXXX. Liens would be taken off public records. 

All we had to do is send documents showing liens paid in full. 

We sent documents certified mail showing liens paid to transunion. 

We called transunion XX/XX/XXXX Rep advised. Received documents and will update liens paid in full, but will not remove off credit. 

I would like to have this off credit report according to the New public record credit reporting standards XX/XX/XXXX. 

Thank you
Consumer complaint received 2018-02-20
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 called the credit bureau Equifax to get the status of my dispute that was filed and XX/XX/2018. After speaking with a customer service rep I was told that the item in question was deleted from my account however it was placed back on XX/XX/2018. I received no notification via email or letter in regards to the status of my credit dispute I was told to dispute the item again. I also told the customer service rep that I attempted to contact the Creditor via email by phone and visiting their office but they are no longer available. The phone number is disconnected and the business is closed.I also asked for contact information of the Creditor and it was the same information that I used to attempt to contact them.Unfortunately, I had to dispute the account again today. Equifax is refusing to remove the item that was deleted on my report although they know the information is inaccurate.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I signed up for TransUnion 's XXXX XXXX free credit monitoring as a result of XXXX XXXX failure to provide multiple agency credit monitoring as promised with their XXXXXXXX XXXX credit monitoring program. It promised free multiple agency monitoring and the ability to place a credit lock on my info at my discretion. Like XXXX, that has been a complete lie. 
As soon as I completed the registration which included all of my personal info including current contact info, I was informed that a credit lock could NOT be activated on my credit report. I had been asked questions from my report to confirm my identity during the registration and my current contact info was confirmed online by their site. 
I was told to contact their customer service number which of course is an outsourced call center outside the US with foreign nationals with fake names asking me for my personal data and trying to peddle credit cards and other marketing surfaces to me. I will NOT discuss personal data with out of the country call centers! They have already vetted me online and have my current contact info. This is blatant fraud and a stall tactic to peddle " paid '' services. 
They quote the need and ability to monitor multiple agencies citing the fake XXXX " breach '' as their primary reason. These two obviously have a partnership in this scam. 
With XXXX playing victim and begging millions of consumers to join their services for protection, they have formed a partnership which has not only furnished private data to the world but given the hackers the latest consumer contact info as well. I don't expect to ever see any government agency hold these people accountable. I am filing this complaint as a matter of record prior to filing my own suit against them.
Consumer complaint received 2018-02-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (TN)

My Name is XXXX XXXX XXXX I write a check from my 401k account in the amount of {$50000.00} and deposit the money into XXXX XXXX XXXX XXXX XXXX Account and the check took 4 - 6 business days before it clear and the money was deducted from my 401k account. So XXXX XXXX XXXX transfer the funds to her Suntrust bank account and to my surprise $ XXXX with her SSI and health benefits and her Child support been held in her account from XX/XX/2017, and till now am filling this complain the money is yet to be released and under banking law fraud investigation only take 14 business days. Please come to my rescue and the poor woman so SunTrust can release the funds. 
Case number XXXX
Consumer complaint received 2018-02-20
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)

I recently received a new copy of my credit report and I noticed an account was still reporting in my name that I have disputed as fraudulent or belonging to someone with a similar name. I had no knowledge of this debt yet " XXXX XXXX ''. has continue to report it to my credit file. I had sent a certified letter to them and " XXXX XXXX XXXX '' ( The original creditor ) asking for " DEBT VALIDATION '' and I never received a response back. I believe this account is fraudulent or belongs to someone else with a similar name. This debt is not mine and I've tried every option I could think of to fix this erroneous reporting of this account to my credit file.