davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-06
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. (NJ)

I contacted Equifax after I noticed a few fraudulent accounts on my report. They deleted 2 out of 3, but have yet to show me proof of the information they used to validate the account belonging to me. 

I placed an initial 90 fraud alert on my credit with all 3 credit bureaus. 

Equifax has stated that the hard inquiries on my credit report they verified them factual and when I spoke with that on XXXX/XXXX/XXXX I explained to them that those inquiries was ran fraudulently.
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

From XXXX i open account a XXXX XXXX card with XXXX, i never had any problems and always pay my bill by auto pay. i previously reported this problem and XXXX responded XX/XX/XXXX. The letter they sent proof they really are XXXX and do not know what they are doing to customers. 

I was not getting any statements from them and my card was on auto pay, i notice high amounts coming out of my checking account and even bouncing checks in my account, i called them and they told me a added XXXX XXXX to the account and and i also changed my address which i certainly did not. problem they are still reporting this fraudulent address to the credit agencies. 

They sent me a letter that all of the fraudulent charges were made from his fraudulent card, and they removed him from my account on XX/XX/XXXX, how ever he was still making charges thereafter, all the charges they have on my credit account was made after that date. They certainly need to credit back all the fraudulent unauthorized charges and credit back my account. Here are some of the charges XX/XX/XXXX XXXX XXXX {$7400.00} XX/XX/XXXX XXXX & I deli {$50.00} XX/XX/XXXX IL XXXX {$1200.00} XX/XX/XXXX store {$150.00} XX/XX/XXXX Il XXXX {$480.00} XX/XX/XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXX {$1600.00} XX/XX/XXXX an auto {$3000.00} just to list a few of these fraudulent charges
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I am writing the experience I had with PORTFOLIO RECOVERY. OnXX/XX/XXXX, I contacted PORTFOLIO RECOVERY about a letter received ( not to my address ) stating I owed a debt of {$1600.00}. The representative advised that the debt was from XX/XX/XXXX ( eighteen years ago! ) and the Debt was purchased in XX/XX/XXXX ( fourteen years ago! ). She also advised that PORTFOLIO RECOVERY has the right to collect on a debt with no time limit as long is the debt is outstanding.

Although I understand that PORTFOLIO RECOVERY may attempt to collect a debt for an unlimited amount of time via phone, in writing etc. I know I have rights that need enforcement with regard to the FCRA. The FCRA states that there is a Statue of Limitation of 7 years.

Unfortunately, on XX/XX/XXXX PORTFOLIO RECOVERY put this debt as a charge off on my credit report for {$2600.00}. Based on the information provided by PORTFOLIO RECOVERY on XX/XX/XXXX it is clear that this debt has passed the reporting Statue of Limitations and should have not been placed on my credit report.

I have consulted with an attorney who is very interested in taking on my case, however, I am going to give PORTFOLIO RECOVERY an opportunity to correct their mistake before taking any legal action.
Consumer complaint received 2018-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

American Express and XXXX mailed me an offer for a new credit card. I would receive XXXX XXXX miles after charging {$3000.00}. I made all the charges on time and Amex would not give me the bonus miles.
Consumer complaint received 2018-02-12
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 — Problem with personal statement of dispute
Company: Diversified Consultants, Inc. (TX)

On XX/XX/XXXX I wrote diversified consultants asking for proof of a contact signed or anything with my signature agreeing gon na be a contract with XXXX they have been reporting false information on my report never have I had XXXX on XX/XX/XXXX I received a package of bills from diversified showing XXXX bills with my name but not my address or phone number
Consumer complaint received 2018-02-12
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. (FL)

The companies Equifax, XXXX  and XXXX are a private business that earns and makes a fortune from your most private belongs, your private information!!! 
You, your name, your details, your private life and your businesses are taken and transformed into the property of the Equifax, XXXX  and XXXX companies, and they sell your private and personal information or spread wrong information about you!!! 
Equifax, XXXX and XXXX are private businesses that earns and makes millions at your expense and from your private assets Plus, they damages your identity, your good name and causes you financial damages! 
Do not let them! 
Equifax, XXXX and XXXX are private business that follows you, stalk you and collect information about you They takes advantage of you and your private life! 
They get involved in your business and sells your personal information at any cost, even at the cost of mistaken information and damage to you and your family! 
Equifax, XXXX and XXXX track and post information about you without permission or consent! 
Do not let them! 
Stop them!!! 
Request and demand to remove your name from their databases and don't let them spy, follow you and spread wrong information about you!
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have tried numerous times to have the correct information regarding a government overpayment on my account made accurate. Instead of doing that, transunion updates it incorrectly repeatedly and absolutely destroys my credit score in the process. Months later my score is still 50 points lower and they all but ignore my disputes or just update incorrectly. It 's infuriating and I need help.
Consumer complaint received 2018-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (IL)

So, I wanted to close my cable/internet account with XXXX because I was moving, and they said in order to close your account you need to pay {$180.00} for the rest of the month. Then, next month, in my new apartment, I signed up for XXXX, and they billed me for something I already paided for, I tried to contact them and they would hang up on me and soon sold my collection to another company whom are charging me {$260.00}.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (FL)

I recently went on-line to get my free yearly credit report and was startled to see old information still being listed on my report even after contacting the various credit bureaus as far back as XX/XX/XXXX. Specifically 2 revolving credit company 's I had a long relationship with : # 1 ) XXXX opened inXX/XX/XXXX ( had an issue with an on-line bill pay, that was corrected and they sent me an official letter of explanation ( that also should have notified the credit bureau 's ) the amount in question is {$36.00} and to this day is still showing up adversely. 
# 2 ) Synchrony-JC Penney's- Opened in XX/XX/XXXX this account was shared by my then ex-wife ( whom we were divorced in XX/XX/XXXX ) and when the divorce took place in XX/XX/XXXX she immediately ran the credit account to the max, however, I negotiated with the account representatives on a payment plan to pay it off. Even though it was done without my consent/unauthorized. I should not have negative reporting still occurring on this file when it was closed in XXXX. 
# 3 ) I recently did a VA cash out on my mortgage with XXXX XXXX and subsequently was approved by XXXX, for a new Mtg. There are 3 Hard credit inquiries all related to this transaction 2 in XX/XX/XXXX and 3 in XX/XX/XXXX, all negatively impacting my credit. This also, happened when we were looking to purchase a car at a " Tent '' sale and about 10-15 harh pulls were made to our credit all trying to get approved financing. The consumer should not be penalized for these types of actitvities when they're all related as I understand the Law.
Consumer complaint received 2017-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

X/XX/2017 XXXX charged on my boa credit card and bank denied my dispute and now Im stuck paying for something I did not do
Consumer complaint received 2017-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

I 've contacted every single month since XX/XX/XXXXto now and no one not even Wells Fargo Executive can even solve them. They said they can not fix their errors. I asked them to repair my report and they could not solve it. 

I 've contacted credit bureaus and they said that Wells Fargo has to request removing my late payments off my account and XXXX did not remove them as I requested. I spoke to more than 30 representatives and nothing solved. I am very upset to their ruining my credit report.
Consumer complaint received 2018-03-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (FL)

I was shocked when I receive my credit report and found a late payment on the dates below : 30 days late as of XX/XX/XXXX. 
30 days late as the XX/XX/XXXX. 
30 days late as of XX/XX/XXXX. 

I am not sure how this happened I believe that I had made a payment to you when I received my statement. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (CA)

I cancelled XXXX in XX/XX/XXXX and sent back the box to them. After this date, I was charged for services that I did not receive and was charged for the box which I returned to them. Two debt collectors have reported this information incorrectly to the credit reporting agencies.
Consumer complaint received 2024-11-03
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. (NY)

An alleged public record bankruptcy appears on my credit report. I submitted a dispute with the credit bureau requesting that they provide their process of verification for accuracy and i received a letter saying that the alleged pubic record was verified by furnisher, US bankruptcy court. The actual procedures were not provided to me. I then contacted the US bankruptcy court requesting information on their procedures to verify the bankruptcies with the credit bureau and the US bankruptcy court clerk responded with a letter stating that they do not verify bankruptcies for or with any third-party companies, including credit bureaus.

I tried again to dispute with the credit bureau with the following : As per 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) I am requesting a description of the procedure used to determine the accuracy and completeness of the information I disputed because i have reason to believe that you have not made any reasonable determination that my dispute was frivolous or irrelevant Nor have you sent me a notice of such determination that corresponds with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of the alleged public record information contained in my consumer file as per the FCRA.

I have not received a follow up or deletion from my report.
Consumer complaint received 2024-11-03
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. (TX)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am a victim of identity theft and have tried many different ways to get these items removed. I am now pending litigation on Transunion. This is my last effort in contacting them before filing with the courts. I am insisting on a credit block being issued immediately pursuant to 15 usc 1681 605 B ( A ). I have attached all documents needed according to the law listed as well as several others listed in my letter attached that i've not only sent but also done CFPB complaints to no avail. There is clearly no investigation being done at all, no communication back to my requests within the letter, and no proof of the items I've asked for either. Please ensure all items listed in this report are taken care of. If you are having issues removing the late payments, remove the accounts altogether such as XXXX XXXX XXXX XXXX, and XXXX  XXXX XXXX XXXX 

The self account reporting is also not only not my account but is incorrectly reporting transaction history. You cant be XXXX days late, XXXX  days late, CO, XXXX blank months, and then back to XXXX days late.
Consumer complaint received 2024-11-03
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. (TX)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I disputed a collection account that was reported inaccurately. on XX/XX/year> the credit reporting agency responded that it was verified as accurate. I did not receive the method of verification and this account is still reporting incorrectly. It is a collection account showing with a past due balance. It is also with a company they I have not had any contract with.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2017-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Primary Capital Mortgage, LLC (GA)

Primary Capital deposited my loan payment on XX/XX/XXXX. Primary Capital then sold my loan to XXXX XXXX, XXXX. My loan payment was never applied to my loan with neither company. I called Primary Capital on XX/XX/XXXX and was told to email proof of the deposited check. I emailed Primary Capital 's customer service department on XX/XX/XXXX a copy of both the proof of payment as well as the deposited check by Primary Capital. I called Primary Capital onXX/XX/XXXX and was told that a refund was being mailed to me within two weeks. On XX/XX/XXXX, I spoke with another Primary Capital representative that told me a refund was not possible and that Primary Capital applied my payment to the wrong loan. The representative said they had were having trouble getting a response from XXXX XXXX XXXX about sending my payment. I requested escalation of my issue and got a call from another representative of Primary Capital onXX/XX/XXXX. I was told that my issue would be resolve within 10 business days and that I would receive an email confirmation that my issue was being resolved. I have never received any type of email from Primary Capital. I called XXXX XXXX XXXX on XX/XX/XXXXand was told that they have never received any communication by Primary Capital and that they were lying. My payment has been deposited for more than 60 days and has yet to be applied to my loan. I have received no responses to my 3 emails sent to Primary Capital 's customer service department. I have received no communication from Primary Capital that a mistake was made by applying my payment to the wrong loan and that they were working to resolving the issue. I ca n't get a response from Primary Capital and my payment was deposited but not applied to any loan. I ca n't get a refund or any type of resolution or even communication from Primary Capital. Please help as I have no other options for assistance.
Consumer complaint received 2017-11-06
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)

There is an account showing with XXXX XXXX XXXX XXXXXXXX XXXX which listed a balance of XXXX that I settled out. I have attached proof I DO NOT OWE and have disputed this. It 's still listed that I owe and do NOT
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} Paid/Closed Opened XXXX XXXX, XXXX XXXX XXXX XXXX {$390.00} Closed XX/XX/XXXX XXXX XXXX XXXX XXXX {$570.00} Closed/collection account XX/XX/XXXX Credit financial network XXXX {$410.00} Closed/collection account XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} Closed/collection account XX/XX/XXXX XXXX XXXX XXXX XXXX {$390.00} Closed XX/XX/XXXX XXXX XXXX XXXX. 

XXXX {$1400.00} Closed XX/XX/XXXX XXXX XXXX XXXX XXXX {$570.00} Collection account XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$1400.00} Open account XX/XX/XXXX XXXX XXXX XXXX {$390.00} Closed account XX/XX/XXXX XXXX XXXX XXXX {$380.00} Closed XXXX XXXX, XXXX XXXX XXXX XXXX {$570.00} Open account XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$410.00} Open account XX/XX/XXXX XXXX XXXX {$1400.00} Open account XX/XX/XXXX 2023
Consumer complaint received 2024-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX FRAUDULENT STUDENT LOANS OPENED USING A EMAIL ADDRESS AND PHYSICAL ADDRESS NOT MINE THEREFORE IT IS IDENTITY THEFT USING MY IDENTITY!! XXXX TOLD ME THIS AND REFUSES TO ACKNOWLEDGE MY IDENTITY WAS STOLEN AND TRYING TO COLLECT FRAUDULENT MONEY OFF OF XXXX SEPARATE STUDENT LOANS!!
Consumer complaint received 2024-10-26
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. (TX)

I have found fraudulent inquiries on my credit report that I need removed immediately. The fraudulent inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX