davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-03
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. (TX)

ORIGINAL LOAN was through XXXX XXXX XXXX when I was married to my former wife. I left the house to her. I never received any documentation that the home was being foreclosed on nor received any letter about a second mortgage. My account was later closed with XXXX XXXX XXXX, and then XXXX XXXX took over the balance. My credit report still shows owing $ $ for both companies and although they are all labeled as closed, XXXX XXXX keeps adding money on what I supposedly owe. There is no date of last payment and both accounts are 11 years old.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

Dispute of Unauthorized Information under 15 USC 1681 closed acct dispute for following accts XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-03
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: EQUIFAX, INC. (OH)

I made several complaints about negative items reporting on my credit that are fraudulent and should be removed permanently from my file yet I haven't heard anything in response to my demands in months. This is outrageous and I demand this be rectified immediately as it is damaging my ability to obtain new credit. I had a change in address and provided the supporting documents.
Consumer complaint received 2018-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlas Credit Company, Inc. (TX)

ATlas Credit COmpany XXXX XXXX XXXX XXXX XXXX TX XXXX Company or the Credit Bureaus have reported inaccurate information about my account they are saying i am 60 days late and that is not true problem hasnt been fixed all payments were made on time
Consumer complaint received 2018-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Greene & Cooper Collections LLC (GA)

I request debt validation on XXXX XXXX and they received my certified mail on XX/XX/XXXX by XXXX XXXX. They did not response my request. Same request were sent to Green & Cooper LLP three times. They send me very suspicious fraud letter back on XX/XX/XXXX and XX/XX/XXXX. Billl of Sale was mentioned Exhibit 1 but it was blacked out. I report FTC for ID Theft who named XXXX XXXX XXXX ( GA Bar No XXXX ) and Greene & Cooper LLP.
Consumer complaint received 2024-10-10
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. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ACCOUNTS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
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. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat This item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXXXXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Im sure Ive been paying on time, yet there are some months where Ive been reported as late, which shouldnt happen. USC 1666b states that any billing errors must be corrected and the account updated to show it was paid as agreed.
Consumer complaint received 2018-06-05
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)

To whom it may concern, lately, I checked my credit report and since I do not do it very often, I was shocked to see unverified, inaccurate and false accounts on my credit report reported by two collections agencies XXXX XXXX and XXXXXXXX XXXX. I contacted all three credit bureau ( XXXX, Transunion and XXXX ) and they all sent me a letter telling me that these accounts meet the requirements the FRCA. How is that possible? I wonder myself. For two, I had all types of troubles getting credit and getting service and I did not know that the reason I was going through so much trouble was because the credit bureau were colluding with these two collection agencies. 
I sent them letters and Transunion did not even bother to reply to my dispute. I sent two validation letters to the collection agencies and it is still pending. I see no movement. 
According to established state and federal consumer protection laws, they are required to verify all accounts you post onto a credit report, and to make the information you have used to conduct this verification available to consumers upon request. Since, they said that everything is verified, it is my right to ask them to provide me with the information you have used to verify these accounts, namely, the original consumer contract with my name, signature and other identifying information on it which pertains to each negative account listed on my credit report.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX  Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2018-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (OH)

This house was sold in 2008 over 8 years ago. The house afterwards has had a myriad of renters. This company knows that this is not our debt yet for years has tried to collect from us. It is over 8 years ago and they still keep trying to get it from us because we have an address and they can threaten us with damage to our credit rating. XXXX removed this from our credit report because of a dispute and now this company again is trying again to find someone with a live pulse to extract monies.
Consumer complaint received 2018-06-05
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: Fidelity National Information Services, Inc. (FNIS) (TX)

ChexSystems advised me in XX/XX/2018 that they have removed the falsely reporting information from XXXX XXXX XXXX XXXX XXXX, they also stated that they removed past addresses that i have never lived at due to identity theft. XXXX XXXX XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX, TX XXXX. They advised me and sent me an updated report which i reviewed and the information was removed. However i went to apply for a savings account today and it appears they re applied the negative information back on my report. Falsely stating they removed it. When you advise a client you have determined an error did occur and that you have blocked that information from my file you should be honest. Don't like on paper when you forward it to me. Lastly this is causing issues again and i thought this was resolved. Apparently ChexSystems goes against the FCRA Requirements and do not follow the rules to block Identity theft fraudulent items. This is causing damage to my personal reports and issues for me in the long run. I didn't open any accounts with XXXX XXXX or XXXX or XXXX XXXX. I want these removed immediately and send me a updated copy proving these have been removed.
Consumer complaint received 2018-06-04
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: Citizens Savings & Loan Corporation, Chattanooga, TN Branch (TN)

I discovered that this company had done two hard inquires on my credit without authorization. I have not applied for a loan from them since XX/XX/XXXX or XX/XX/XXXX, The company name is, Citizens Savings & L Inquiry from XX/XX/XXXX Citizens Savings & L Inquiry from XX/XX/XXXX
Consumer complaint received 2018-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MD)

I have a Walmart MasterCard. I use it for promotional " no interest '' purchases. My card member agreement and statement say " If your account has a deferred interest promotion and you would like us to apply a payment on your account to a specific balance, please call customer service to discuss options that may be available ''. I had a promotional balance of {$77.00} expiring on XX/XX/XXXX. I contacted customer service via chat ( see enclosed screenshot of chat # 1 ) onXX/XX/XXXX to inquire about having my XX/XX/XXXXpayment due XX/XX/XXXX credited to the promotional balance. I was told by XXXX XXXX " ... if you pay {$77.00} the entire amount will be credited to the promo expiring on XX/XX/XXXX ''. I made said payment and it was not allocated as promised. {$54.00} was allocated to the expiring promotion and the excess was allocated elsewhere. On XX/XX/XXXX I chatted with XXXX XXXX about the error ( see chat # 2 ). I was told that the account was being correct and the promotional balance expiring on XX/XX/XXXXwas now paid off in addition to the promotional balance expiringXX/XX/XXXX. My XX/XX/XXXX statement appears correct. After my XX/XX/XXXX statement printed my account was altered to add balances back to the promotional balance that were paid off. I chatted again on XX/XX/XXXX with XX/XX/XXXX( see attached chat # 3 ) At that time I was being charged interest on a promotion purchase that was made XX/XX/XXXXfor which I have a receipt showing that a promotional certificate was used. XXXX said that was correct and the billing was corrected to properly show the promotional balances expiring XX/XX/XXXXonXX/XX/XXXX were paid off. When my XX/XX/XXXX statement arrives everything seems correct. I get myXX/XX/XXXXstatement and it shows me being charged {$3.00} interest. I chat again with a supervisor who says that this is a mistake and he is correcting it. I also request that {$58.00} of the {$83.00} payment made in XX/XX/XXXX be allocated to the promotional balance expiring on XX/XX/XXXX. He say it is done. When myXX/XX/XXXX statement arrives I am still being charged interest, the payment was not allocated correctly and onXX/XX/XXXX someone created a promotional purchase onXX/XX/XXXX expiring onXX/XX/XXXX that never existed and placed it on my account with a balance due of {$99.00}. To be clear there was never a purchase made on XX/XX/XXXX. There was a purchase made on XX/XX/XXXXbut that promotional purchase was paid off in XX/XX/XXXX. I have been charged more interest as well. I am caught in a viscious cycle that XXXX XXXX  will not correct.
Consumer complaint received 2018-02-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I sent in paperwork to remove these negative items from my credit report on XX/XX/17 and still several months later haven't received any response about these fraudulent items being removed from my credit report.
Consumer complaint received 2018-02-03
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: Real Time Group, Inc. (TX)

ORIGINAL LOAN was through XXXX XXXX XXXX when I was married to my former wife. I left the house to her. I never received any documentation that the home was being foreclosed on nor received any letter about a second mortgage. My account was later closed with XXXXXXXX XXXX XXXX and then REALTIME RESOLUTIONS took over the balance. My credit report still shows owing $ $ for both companies and although they are all labeled as closed, REALTIME RESOLUTIONS keeps adding money on what I supposedly owe. There is no date of last payment and both accounts are 11 years old.
Consumer complaint received 2018-02-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I sent in letters to request these negative items be removed from my credit report permanently on XX/XX/17 and have not received a response regarding the validation of items I requested. It has been months and still nothing. This is illegal and I demand that these items be immediately removed from my credit profile permanently.
Consumer complaint received 2018-06-03
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: CITIBANK, N.A. (IL)

As an authorized user of a Sears account I was added last year. I spoke to a representative in their credit department in regards to the Sears account not being reported to all three of the national credit bureaus as promised several of times. However, I was told by the representative that it was reported to all of the bureaus. However its been over a year now and my XXXX  nor my XXXX report does not reflect. The information giving from Sears at this point had been very misleading and inaccurate and has affected my credit status with both XXXX and XXXX.
Consumer complaint received 2018-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

For the 3rd time my bank is withholding my paycheck entirely. The only reason they give me is that they are holding it because they are allowed to do so for 14 days. Last time I went into the bank and they told me it was unusual activity because the check was issued from a new source. I have worked at the same company for over a year and the amounts of the check are the same. 

This only happens when I use their ATM. I went into the bank to deposit my check and the check was cleared immediately. When I contact bank of America they say there is nothing they can do, although last time this happened someone released the funds immediately. 

They refuse to offer any more information, and because the entirety of the check is withheld for 10 days, not up to 10 days, but 10 days, it has caused payments on my account to bounce resulting in additional fees. 

I have proof the check has cleared the business bank but they don't care. They are still withholding all of my funds until XX/XX/XXXX, regardless of whether it has posted or not. 

This is some sort of technical error with their atms, as this doesn't happen on the mobile app or at a branch when I deposit the exact same check for the exact same amount. 
They are refusing to return my money, and refusing to allow stop payment from the other side, as the check has already cleared. This hasn't happened with anyone else that received a check from our employer and all funds have cleared. 

I spoke to XXXX XXXX who issued the check and they said the check has cleared and they personally are not preventing bank of america from clearing the check. I spoke to others online, and this seems to be an ongoing issue. I believe they are doing this in order to tack on fees, as it causes checks and auto deposited items to bounce, including my rent payment.
Consumer complaint received 2018-02-03
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. (CO)

after my social security number was hacked in XX/XX/XXXX I received a debt collection from natcred in the amount of XXXX.dollars on my credit report but that is DATED from XX/XX/XXXX it is utterly moronic first ; for a debt collector to wait 4 XXXX years to start collecting on something. 2ndly that the only process this repugnant credit reporting agency does as an investigation is contact this debt collector which they ALWAYS say yes and then im stuck with a debt on my credit report forever. this illegal and frivolous way of investigating clearly shows the bias and discrimination both XXXX and transunion have towards the customer and how well they lay in bed with the debt collector. Furthermore it makes ZERO!!! XXXX sense that after my bankruptcy filing and clearance in XX/XX/XXXX I have gone 9 XXXX years without ANYTHING!!! on my credit report UNTIL AFTER!!! this hack occurred and my social UNsecurity number is out for anyone to get and use. neither transnunion nor XXXX take a customers word as evidence but they sure as XXXX take a debt collectors based solely on the fact that they give my social security as evidence and they NEVER use common sense or logic when reviewing a credit report. since my bankruptcy I have had perfect credit until my information was hacked. and lastly it is further repugnant that transunions last response is to not believe that I XXXX XXXX am the one trying to fix my own account and there only cheap excuse to refuse to investigate and fix my credit report is a rebuttal that my social security number isn't enough to review and fix this problem. use one iota of common sense why would someone that isn't ME!!! be trying to fix my XXXX credit report you pack of XX/XX/XXXX.
Consumer complaint received 2018-02-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I submitted complaints to have items that I did not authorize removed from my credit profile and I didn't get any response to my letters. This is against the law and I demand these negative items be removed because they are keeping me from obtaining new credit.