davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-10
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. (PA)

This is a notice of direct dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information and ownership of said account you have posted to my credit file - Acct # XXXX.

The date of last activity, payment history, and status* do not align across all bureaus. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 (XX/XX/2009 ), this notice includes identification of the specific information being disputed : Transunion, XXXX, and XXXX reporting for Acct # XXXX   Date opened : XXXX : XX/XX/XXXXTransunion : XX/XX/XXXX XXXX : XX/XX/XXXXAmount past due : XXXX : {$1800.00} Transunion : {$10000.00} XXXX  : {$10000.00} Date of 1st delinquency : XXXX XX/XX/XXXXTransunion XX/XX/XXXX XXXX   XX/XX/XXXX Last Payment made : XXXX  not reported Transunion XX/XX/XXXX XXXX XX/XX/XXXXReposession : XXXX Not reported TransunionXX/XX/XXXX XXXX XX/XX/XXXXandXX/XX/XXXX *****PLEASE SEE ATTACHMENT WITH FULL LIST OF LATE PAYMENT DISCREPANCIES FROM XX/XX/XXXX THRU XX/XX/XXXX********* also attached are the credit reports pulled from XXXX, Transunion and XXXX that show the discrepancies that i'm referring to as proof Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation.

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. XXXX v XXXX XXXX, XX/XX/XXXX provides a cause of action for individuals against furnishers of information.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX
Consumer complaint received 2018-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (CA)

After multiple disputes, TD Bank has continued to report invalidated account information to the three credit bureaus without proper validation per the FDCPA and the FCRA. There has been no proof of a signed contract with my signature on it or any documents stating that I agreed to pay TD Bank.
Consumer complaint received 2018-12-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (MA)

I have asked to close my account several times. When I call, despite hold times over XXXX minutes, I get transferred among groups. I tried XXXX times last week to resolve this. I have also emailed XXXX XXXX XXXX ( SVP, Customer Experience ) on XX/XX/XXXX and XX/XX/XXXX with no response.

I want to close my account because of the poorly performing website ( endless error messages ) and even worse customer service.
Consumer complaint received 2023-06-04
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. (VA)

For the XXXX time, my name is XXXX XXXX and not XXXX XXXX XXXX! 

I want the information on my credit report to reflect MY CORRECT NAME. Ive provided you with a drivers license and social security card that says XXXX XXXX and STILL this has not been changed. 

This is the last complaint I make about this issue, the next step is court so that a judge can tell you what Ive been telling you for the past 4 years. MY NAME IS XXXX XXXX.
Consumer complaint received 2018-05-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I CONTACTED THIS COMPANY BY PHONE AND LET THEM KNOW THIS WAS NOT MY ACCOUNT. I ALSO SENT THEM A CERTIFIED LETTER ASKING THEM TO VALIDATE THIS DEBT WITH PROOF LIKE A SIGNATURE FROM ME TO PROVE I AM INDEED RESPONSIBLE FOR THIS DEBT. THEY ONLY SENT BACK A BILL. NOTHING THAT VALIDATED WITH MY SIGNATURE OR ANYTHING TO PROVE IT WAS ME WHO OPENED THAT ACCOUNT. I ASKED THEM TO STOP REPORTING BUT THEY STILL ARE.
Consumer complaint received 2018-12-10
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. (SC)

On XXXX XX/XX/2018 on this Portal Equifax stated they performed an investigation and verified inaccurate information on 2 XXXX XXXX  credit card accounts. Equifax FAILED TO PROVIDE THEIR METHOD Of VERIFICATION as requested in the attachment that Equifax signed via CERTIFIED MAIL on 3 XX/XX/2018. Equifax continues to verify without a METHOD. I sent the letter attached to obtain information to support my small claims lawsuit against Equifax. For my records I am maintaining all of the documents through this portal. Equifax please reply via mail as requested from the document signed by your company on XXXX XX/XX/2018 the persons and documents afforded from chase bank that you have used to continually update inaccurate unverified information on my CR.
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (CA)

I applied for a Discover Card about 30 days ago with a balance transfer on the application. I read as much information as I could about the balance transfer process. I was approved for {$900.00} which is less than the balance transfer which was fine. In the meantime I paid off the other credit card in full since I was unable to do the balance transfer. Now today XX/XX/2018 I receive an email stating my balance transfer has gone through with an amount of {$850.00}. I immediately called Discover and asked why would I not be notified this action was taking place. Why would I want my new credit limit to be maxed out and also I need to cancel the balance transfer as there is no balance on that credit card. Discover said they could do nothing as it was still pending on their end. Which means no payment has been sent to XXXX yet. How can they not do anything and now I have to wait for XXXX to receive the money and then try and have them decline the transaction and send the funds back to Discover. They told me this was in there disclosures but from the 3-4 pages I ready while applying I could not find anything. This is not right and I need some help!
Consumer complaint received 2023-06-03
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. (AL)

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

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-12-10
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Global Equity Finance, Inc. (FL)

my wife and I XXXX, call this company to Refinance, everything they ask forms paper they got it, they give us closing day, so they sent that person to signing the documents XXXX days after the closing the titles personal call me above other finance documents that they needing, they had XXXX days to collect all the information to continue or to stop the Refinance process.
Consumer complaint received 2018-08-20
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: BARCLAYS BANK DELAWARE (CT)

In XXXX of XXXX I filed a complaint regarding fraud on my credit card. This case involved XXXX XXXX and XXXX XXXX credit card. 

Now this account is closed. On XX/XX/2018, XXXX XXXX XXXX from the Office of the President in the company of XXXX XXXX, called me. She assured me the credit I was due would in fact be sent " soon '' but she could not give me a actual date. 'Perhaps 7-14 days, but she was not sure '. This call lasted about 5min in total. On the XXXX of XXXX I called XXXX and left a message informing her I still have not received the credit. 

It is now, XX/XX/2018 and I still have not yet received the credit. It is small in nature, under {$500.00}. but now it is the principle of the matter over amount. To be promised something from such a large credit card company, after a complaint is filed, and then to have no result, is mind boggling to me. I do not understand how companies can get away with this at all. 

Hopefully in filing this follow up complaint, the XXXX is able to assist me and cause this company to keep their promise. 

Thank you, and I look forward to resolution soon.
Consumer complaint received 2018-08-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I went to ace loan to get a loan for a unexpected financial crisis and all was provided and qualified except for a copy of check they wanted from me which I asked my bank doesn't issue paper checks but will generate one and email it but wasnt an option so on the document I signed to file there was to options to verify and it was check or debit card verifications option which was stated on the form I signed and they refused to provide verification that way even though that was my option stated in black and white and then was told well that isn't an option in California I responded well it was false advertising misleading there should be verbage indicating that California is not incuded and even showed the employee there was no such description which should be illegal! And they denied my loan when clearly met all required income and docs except check and my alternative options that I was lead to believe i had I didn't have all of a sudden I felt profiled and it eas quite an embarrassing event she put me threw
Consumer complaint received 2018-12-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

On Saturday, XX/XX/XXXX I got a notification from my bank that my account went into overdraft. I was charged fees on top of the overdraft. I checked my account to see what caused the overdraft. To my dismay, it was a auto debit check from my private loan from Navient charging me about {$440.00}. My normal payment on the XX/XX/XXXX is around {$270.00}. I was confused and angry but could not speak with the company because they were closed on the weekends. Monday morning around XXXX XXXX I called the company regarding the matter. I told them that I was not notified of a payment increase or a change in my rate reduction program. The person on the phone name was XXXX and she was very rude. She argued and told me I signed up for this and they are allowed to debit whatever amount. I was trying to explain to her that I was not notified, but she said well it was taken out of your account since last month. When she told me that I checked my account and saw that she was right. About {$440.00} was taken out automatically by check and then for some reason I paired them {$270.00} on top of it. Because she was SO rude I asked to speak with someone else. This person, XXXX, wasnt AS rude but she was not empathetic either. I asked her if I was notified that there would be a change in my payments. She said yes and told me to hold on and it took her almost 2 minutes to look. She stated she couldnt see when I was notified by it should be in my statement. I asked her how am I supposed to know when my rate reduction program ends without notification from the company? I also was confused because I did receive an email from Navient stating my program was ending XX/XX/ and my payments would be increased in XX/XX/. I submitted an updated financial statement and e-signed it. I never received a call back from Navient about that. I did not receive any notification notifying me of an increase starting in XX/XX/XXXX. She claims one of my loans ended in XX/XX/XXXX but couldnt explain to me when would one end and not the other when I signed up for the rate reduction program and the same time ( I think in XX/XX/XXXX ). I also asked her to take me off of auto debit because of this matter. She never notified me that I would be charged {$23.00} to end auto debit. This company is not professional at all and I wish I never signed up when starting college.
Consumer complaint received 2018-08-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PA)

I was dating my boyfriend for 15 years. I am a victim of XXXX  XXXX and Identity Theft because my ex boyfriend recorded me and allowed hundreds of people have access to these recordings and my cell phone calls were routed to his aqaintances. As a direct result of that, a few of them STOLD my identity and took out auto loans house loans possibly credit cards and cell phones and utilities that absolutely does not belong to me. 
I have been to the state police several times regarding this issue and they will not refer me to anyone. They say they dont scan phones or hAndle those types of matters ... ..I have called creditors and disputed transactions that I never signed for and its still not off my credit report there are several items on there that dont belong to me.
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

XXXX has been non-compliant with removing the unverified account ONEMAIN which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that ONEMAIN was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CREDIT ACCEPTANCE CORPORATION (GA)

XXXX  has been non-compliant with removing the unverified account CREDIT ACCEPTANCE CO which has been deleted by XXXX  and XXXX. XXXX   and XXXX have both completed their research and determined that CREDIT ACCEPTANCE CO was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (GA)

XXXX has been non-compliant with removing the unverified account WELLS FARGO BANK AUT which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that WELLS FARGO BANK AUT was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-08-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The report was opened XX/XX/XXXX they say i owe {$1100.00} i filed a dispute XX/XX/XXXX still no answer as of XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-12-10
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: V and H Portfolio (NC)

was called from a collection agency in Mississippi about a furniture purchase from XXXX told them iknew nothing about this they had absolutely no information about it tried to work with them and gave them all my inf o next thing I was reported to credit beauro I disputed this and was removed approx. 1-2 mons later was transferred to XXXX XXXX andthey reported me and it started all over again tried to dispute again and nothing happened 0n initial phone callthey didn't have any info other than a name no address no social said no initial payment no phone they didn't even know where so called bedroom suit was deliveredtold them we recently XXXX mattress and boxspring and don't put in on a XXXX XXXX XXXX XXXXXXXX isee all kinds of complaints about this outfit something needs to be done
Consumer complaint received 2018-08-20
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. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 
XXXX XXXX  - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXXXXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX / XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete
Consumer complaint received 2018-12-10
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. (OH)

i have sent in multiple complaints and have notified this company multiple times about my identity theft and somebody opening up accounts under my name. XXXX and XXXX  have already removed these accounts from my report. i received a notification from your company stating that these accounts do belong to me.? obliviously the accounts are going to have my information on them since they were opened under my name. Who ever hacked my personal information/identity used my information to obtain these accounts. please remove these as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 
XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXXXXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX / XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete
Consumer complaint received 2018-12-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Business Revenue Systems, Inc. (MD)

I have made multiple calls to correct this action and XXXX XXXX ( XXXX ). They have refused to resolve this payment issue. I was yelled at, hung up on and management calls were never returned. 

This company made multiple harassing calls for debt collection on a regular basis on almost a daily basis. 

From XX/XX/2018 to present I have spoken to numerous people at all levels and now they have put me into collection for {$56.00} when I paid XXXX XXXX as agreed upon. They claim they can not find the check I find that hard to believe as the other checks were received at the same address. 

I want immediate correction to my credit report as the information provided to blemish my credit is not correct. This company is unprofessional and unreasonable and their lack of customer service is appalling.