davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (KS)

I applied for a store credit card at XXXX XXXX and auto in XX/XX/2019 when I purchased a set of tires. The card was issued in the wrong name which caused a delay in getting the first statement. I paid the entire amount due upon receipt of the initial statement which was received by me after the due date but before the billing cycle close date. I have sent several notices to their secure message system with regards to the incorrect name on this account and I have not received any relevant replies regarding action on my request to change the individual name on the account to the name of the individual that filed the credit card application ( myself ) and conducted the lone credit transaction associated with this account. I have also talked with multiple customer service representatives via telephone regarding the erroneous billings, but they state that since my name is not the name of the person on the account, they can not help me, even though I am the person who applied for the credit. I could tell an untruth and say I am the person whose name is on the account, but I refuse to state that I am someone who I am not. 
The error still has not been corrected after six months of repeated attempts. This atrocious service reflects very poorly on XXXX XXXX XXXX in general and Citibank in particular. The name listed on the account is not the name of the person that applied for the credit card account. The error in billing name caused by Citibank and XXXX XXXX  and/or one or more of Citibank 's and XXXX XXXX representatives has caused delays in receipt of statements and notifications sent by Citibank to the account owner since the correspondence is not addressed to the account applicant/owner. In addition, this error and inability or unwillingness for Citibank to correct its and/or Citibanks partners mistakes has caused undue duress, frustration, time, and costs associated with repeated attempts to pursued Citibank to correct Citibank 's mistake. This error caused wholly by Citibank resulted in the accumulation of late fees and interest fees that otherwise would not have resulted had Citibank conducted its activities in a prudent manner. 

Due to the egregious error and blatant disregard to my previous requests to correct the error made by Citibank, under the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and pursuant to 15 U.S.C 1692g ( a ), I have written to inform Citibank that I dispute the validity of the debt in its entirety. According to my understanding of the provisions of the Fair Debt collection Practices Act ( FDCPA ) they must stop any and all contact with me until after my dispute has been investigated and they have provided proof of the debt in writing to me. However, they have continued to send statements indicating amounts due without provided requested proof. I have asked them to stop contacting me until the requested proof is provided, but they continue to violate the consumer protection laws with repeated contacts.
Consumer complaint received 2020-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

I canceled my account with XXXX in XXXX of XXXX  by calling in and speaking with an agent. I paid the last owed bill and returned all the equipment in the box they provided. My service was deactivated and my account was closed. Never heard from them again, not through email, phone, or mail. I recently looked at my credit report and noticed I have a collection from CREDENCE RM on my report for {$160.00}, which again I knew nothing about. I do not owe direct tv any money. I went about closing the account the correct way, paid my final bill, and returned all their equipment.
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2020-04-17
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. (NJ)

XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$7100.00} {$7100.00} {$7100.00} No. of Months ( terms ) : 73 73 73 High Credit : {$26000.00} {$26000.00} {$8700.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$7100.00} {$7100.00} {$7100.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved ; reported by grantor Account was in dispute - now resolved - reported by subscriber. Merchandise was taken back by credit grantor ; there may be a balance due. Unpaid balance reported as a loss by the credit grantor. 
Charged off account Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-04-17
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-17
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. (OH)

On XX/XX/XXXX, 2019, XXXX XXXX, alleged that XXXX XXXX, defaulted on a credit card in XXXX County Municipal Court, in Ohio ( XXXX XXXX, has no knowledge as to the nature of the allegations ). The case was dropped by XXXX XXXX, and dismissed by the Court on XXXX XXXX, 2019. However, XXXX XXXX, continues to report to Transunion, and other credit reporting agencies that XXXX XXXX, owes a filing fee of {$110.00} for the fruitless action. XXXX XXXX has been in contact with Transunion, and XXXX XXXX, who continue to claim he owes the filing fee, and there is no error.
Consumer complaint received 2020-04-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Solutions, Inc. (MO)

I had a medical bill go into collections with Receivable Solutions. I tried to contact them in writing ( via email ) if they had a way to make payments online. The only response i received is that I had to call them. I went ahead & mailed in a payment for {$100.00} in XXXX. Did not receive any further statement from them showing me my remaining balance & payment options. They then start calling me. No message left, the only way I knew it was them was by doing a XXXX search. I sent a 2nd email on XX/XX/20 asking how to receive a second statement and again asked if they offered online payments. Again, they refused to give me any information IN WRITING and told me I had to call. When I deal with debt collectors, I want everything in writing to know that the debt is legitimate. I want Receivable Solutions to send me an updated statement showing my balance after payment has been made. If they can not provide me with this, then I will contact the hospital 's billing department directly. 

I do not understand how a company can not provide simple answers to simple questions via email. Don't have an email address for customer 's to contact you on if you're not going to use it to answer their questions. 

Horrible customer service & it makes me question their legitimacy.
Consumer complaint received 2020-04-18
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: EQUIFAX, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS  are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX  XXXX  SERV ACCOUNT NUMBER XXXX XXXX COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2019-03-14
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. (NC)

I am sending this complaint forward as I have attempted to dispute fraudulent accounts and information on my credit reports, yet to no avail. I need to have these accounts reviewed along with the Identity Theft validating documents.
Consumer complaint received 2020-04-17
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)

XX/XX/2020. XXXX XXXX disputed data on my transunion report which said I was an authorized user for an account ( card number doesnt even exist under the person who owns the account ). We are assuming they are talking about a different card based on the available credit and other information. We contacted XXXX who should have removed me years ago but didnt. They removed me from all associated accounts and said they will tell this to any credit bureaus. Transunion said they called and they said XXXX wouldnt give that info. We called XXXX and the manager said this makes no sense and sent us an email saying i was removed which we forwarded to transunion. Transunion ignored the email and closed the dispute. We opened it back up and I heard nothing. I went to their site to make a personal dispute ( previous was done by third party XXXX ). Their dispute for credit cards page does not work and has apparently been down for a year. You can not dispute online. See others complaining online via the link i shared. We have closed the credit card due to issues but not sure if was ever removed or can be removed from my record. XXXX has been in my experience horrible at reporting proper updates to the bureaus and transunion is not taking disputes seriously or investigating at all XXXX XXXX XXXX
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have a charge card with Kohls Department Store. I check my credit weekly, because it's important to me. I checked today and Kohl 's department store charge card reported that I was late. They reported it to XXXX on XX/XX/2020 and XXXX on XX/XX/2020. I haven't checked XXXX. When I reached out to them today they advised me I was late XX/XX/2020. I paid my account balance off of, {$77.00} today before I knew they reported me. I NEVER received a statement. I NEVER received a phone call. Because if I did I would have paid it in full. During this Pandemic my mind was more concerned about where I'm getting my next pay check to feed my family. Like most Americans I'm scared to death and my Kohls account of {$77.00} missed my mind to pay it on XX/XX/2020 to avoid a credit report. This is the biggest health care crisis and this is what Kohl 's department stores does to help it's customers during this!
Consumer complaint received 2020-04-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

I have multiple store cards with Comenity Bank ( XXXX XXXX  XXXX XXXX, Victoria Secret, XXXX XXXX, XXXX  ) I have been out of work since early XXXX due to the global pandemic. I have been trying to contact them through their secure messages and it says you have to call for CO-VID19 assistance. I have called numerous times there is a 2 hour hold, and you never get through, they have limited staff due to them practicing social distancing, and staff safety so how can someone get help? The responses through the secure message is call you can never get through when you do call. How can a consumer get help if they can't reach a creditor?
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Despite informing credit bureaus several times of the case with XXXX XXXX but I filed before this case several times regarding a fraudulent purchase whereas the dealership in the salesman himself ended up prosecuted and doing time in State prison for ID theft. Is it gainst federal regulations to continue to display negative information on my credit report once credit bureaus have been informed. XXXX  XXXX is quite aware of the incident with XXXX XXXX and the dealership supposedly sold me the car something I am still trying to wrap my head around on how it ever happened.
Consumer complaint received 2020-04-17
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. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. 

I HAVE SENT DISPUTE LETTERS ON XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUTES UNDER THE FCRA.
Consumer complaint received 2020-04-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Lendmark Financial Services (GA)

Lendmark Financial XX/XX/XXXX in the amount of {$1700.00}, XX/XX/XXXX {$1200.00} and XX/XX/XXXX {$0.00}. Accounts are charged off and closed on my account and tried to dispute why 3 different accounts that I'm not aware of.
Consumer complaint received 2019-08-16
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. (FL)

I am a victim of identity theft. The accounts listed here, which appear on my credit report, does not relate to any transactions that I have made.. I never engaged in any transaction and truly have no idea who they are and how they ended up reporting this information on my credit report.. It is the result of identity theft.. Please look into this matter for me and remove this information off my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ),
Consumer complaint received 2020-04-17
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. (TN)

This dispute involves XXXX, XXXX, and TransUnion. Each of the three agencies is erroneously reporting incorrect information. XXXX, in particular, is reported my last reported name as XXXX XXXX XXXX. I have never used this name and demand strict proof that it was reported to XXXX. I demand its removal from my credit report and that my legal name and the only name I use to be secured there instead. XXXX XXXX XXXX. On XXXX, party/parties unknown accessed my account in the Georgia DMV and requested an address change as well as a copy of my file to be sent to them. I have filed a complaint with the Georgia DDS and have requested an investigation as well as prosecution to the fullest extent of the law. My current address is XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX, but each of the three credit reporting agencies is reporting XXXX XXXX XXXX  XXXX  XXXX XXXX, Georgia XXXX as my current address. I request that all prior residences be removed from my credit report for security purposes leaving only my current address. I also request that all employers or past employers be removed from each of my reports for security purposes. I request that any inquiries seeking credit or information be met ferociously and that I will be contacted by any attempt. Each of the three agencies refuses to update my XXXX XXXX  account and are severely inaccurate in reporting which in turn interferes with my credit.
Consumer complaint received 2020-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I received an email alert from XXXX XXXX that my score recently changed. After I clicked on check my score it shows that my Transunion score through XXXX XXXX decreased by 20 points. It says Transunion found 1 change to my report that an account was removed. The account is XXXX XXXX XXXX Credit Card . I still have an account with XXXX and it is in good standing. My credit limit with them was also increased from {$500.00} to {$1000.00}. I have never missed or been late with a payment. Also this account was recently sold to XXXX by XXXX. I also recently filed a dispute because my credit limit was still being reported as {$500.00} which has since been corrected. I reached out to Transunion on XX/XX/2020 about this and spoke with XXXX. I informed him of the email I received and explained to him that I had just received this email from XXXX XXXX explaining to him everything in the email. XXXX stated I would need to contact XXXX XXXX. I said why should I contact them they are not the credit bureau and they get their information from you Transunion. He then suggested I maybe had some late payments or other derogatory marks that was affecting my score. I said no it says I have a stellar payment history. I repeatedly told XXXX this information was based on information from Transunion which it clearly states and was not in my XXXX  file and shows my account with XXXX XXXX/XXXX  Credit Card. I was then told he could not provide my credit score and that I would have to pay for this which I paid {$9.00}. I was getting nowhere with the representative at Transunion. I also reached out to XXXX XXXX as XXXX suggested and am still waiting for a response. I am hoping that they will correct this because this has a negative impact on my credit file/score. I have attached my XXXX XXXX/Transunion report as well as my account information for XXXX XXXX Credit Card.