davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX/XXXX XXXXXXXX XXXX - Inquiry date - XX/XX/2020 This is not my inquiry. This needs to be removed from my credit report.
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (AZ)

As I looked on my report I noticed that my right to privacy has been violated. By Law XXXX XXXX Part XXXX - FAMILY EDUCATIONAL RIGHTS AND PRIVACY ; Student loans should be kept private from my report. You have violated my consumer rights and I would like a proper investigation. Please send me an ORIGINAL STATEMENT with my signature that gave you authorization to furnish these loans on my consumer report. 
XXXX XXXX XXXX # XXXX. Due to the furnishing of my private information I have been denied good faith in credit for goods and services. This is damaging and Im very disappointed in this credit reporting agency.
Consumer complaint received 2020-04-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: J J Marshall & Associates, Inc (TX)

I was charged fees by XXXX XXXX XXXX for services that were not performed including cleaning and maintenance for a home I own. The work was billed but not performed. I have video by a licensed real estate agent of the condition of the home after it was " cleaned and maintenance completed '' by the claimant. The company that supposedly performed the work then sold the amount due to a debt collector, JJ Marshall & Associates. XXXX XXXX XXXX has committed fraud by charging for work they did not perform. I have contacted XXXX XXXX XXXX repeatedly and they are not responsive. I have attached pictures of after the work was supposedly performed. I also have videos but they are too large to attach.
Consumer complaint received 2019-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MI)

This is a Complaint about Comenity Bank. 
I have a Master Card with Comenity Bank. I pay the balance owed thru my banks online payment system. XXXX Bank. Comenity does not take electronic payments. Comenity requires that the bank send them a physical check. I have paid Comenity bank online 4 times this year via online payment thru XXXX bank and have received a late fee of {$XXXX} every time. I authorized payment thru my online banking typically 5 to 10 days before the due date of the credit card My complaint is that Comenity is purposely not crediting my account until after the due date so they can charge a late fee and interest. They are purposely not processing receipt of payment so they can charge a late fee and interest. 
I had the same issue when using XXXX online bill pay.
Consumer complaint received 2019-07-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc. (MD)

The Company CCS has contacted me multiple times a day after I spoke with two different representatives and requested them to stop calling. The number they are calling from XXXX. They have contacted me on XXXX and XXXX and both have been requested to be added to their do not call listing. I got a call this morning XX/XX/2019.
Consumer complaint received 2019-07-27
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: CREDIT ACCEPTANCE CORPORATION (NY)

I submitted a dispute with XXXX  through a Direct Dispute On XX/XX/XXXX. It was indicated to me that the Investigation would be completed by XX/XX/XXXX. It is Now XX/XX/XXXX and they have not communicated with me at all other to continue to say that it is still Under Investigation. It has been 47 days since I initiated the dispute. I have medical coverage and had coverage since XX/XX/XXXX and advised them that if needed I would furnish proof that the debit is not valid. XXXX  needs to remove this derogatory remark as it has no validity and it is going on two months since the dispute was submitted to XXXX in the first place.
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX, EXPERIAN ARE REPORTING INACCURATE PERSONAL INFORMATION ABOUT MY SELF. I HAVE SENT THEM CERTIFIED LETTER INCLUDING MY ADDRESS CORRECTED DOB AND WITH UTILITY BILL INCLUDED. THEY HAVE NOT YET RESPONDED TO MY REQUEST TO REMOVE ALL INACCURATE INFORMATION OFF MY CREDIT REPORT LIKE MISSPELLINGS IN MY NAME, MULTIPLE SSN VARIABLES. XXXX HAS MY DOB AS XX/XX/XXXX I WAS IN FACT BORN ON XX/XX/XXXX AS A RESULT THEIR ARE MULTIPLE ADDRESS AND EMPLOYMENT RECORDS STATED ON THE CREDIT REPORTS THAT IS SEVERLY HURTING MY CREDIT SCORE AND COMPLETELY DESROYING MY IDENTITY. 
ONLY INFORMATION THAT SHOULD BE ON MY REPORT SHOULD BE THE FOLLOWING. EVERY OTHER THAN WHAT IS TYPE AND PUT INT0 THIS SECTION SHOULD BE APPEARING ON MY CREDIT REPORT. 

1. My Name : This is my legal name : [ XXXX ] [ XXXX ] Please delete any other references to names as they are not mine and I have never used any of them. 

2. My Address : Also, please be sure that my address is listed correctly. My address should read : [ XXXX XXXX XXXX  XXXX ] [ XXXX XXXX, New Jersey XXXX ] Please delete any other references to ADDRESSES as they are not mine and I have never used any of them. 
3. My Date of Birth : [ XX/XX/XXXX ] AS STATED ON COPY OF DRIVERS LICENSE ENCLOSED WITH LETTER. Please delete any other references to my DATE OF BIRTH as they are not mine and I have never used any of them. 
4. MY EMPLOYMEN HISTORY : [ I HAVE NO EMPLOYMENT HISTORY ] Please delete any other references to EMPLOYMENT as they are not mine and I have never used any of them 5. SSN VARIATION [ XXXX ] Please delete any other references to my SSN as they are not mine and I have never used any of them 6. PHONE NUMBERS- [ XXXX ] Please delete any other references to PHONE NUMBERS as they are not mine and I have never used any of them 7. EMAIL- [ NONE ] Please delete any other references to EMAILS as they are not mine and I have never used any of them. 
Please send me a new report when you are completed so I may continue to verify its ' accuracy.
Consumer complaint received 2019-07-26
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. (WI)

Tried to dispute fraudulent inquiries on my file with Equifax & XXXX wrote letters several times even tried calling the dispute department for both Equifax and XXXX, even claiming the inquiries are fraudulent they still both denied me to dispute them, both bureaus told to call each collectors, the collectors doesnt have contact information on most of the items, and even stated my FCRA rights to the bureaus they both just put me ON HOLD FOR SO LONG TILL I Decided to hang up.
Consumer complaint received 2019-07-27
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)

Well i file a complaint with ypu all and they sent me a letter asking me that i need to send my id and ssn card. Talking about they cant find me in the system and they said what accounts would i like to DISPUTE i dont feel comfortable sending my information to them equifax i been having problems with them ... I have XXXX XXXX XXXX XXXX and. And going thur XXXX 3 times a week for 4 hours a day and i just dont be having the patients in dealing with people that u dont UNDERSTAND and u telling them the truth about you and i file a complaint against them now they saying they dont see me in the system wow but i can log in on XXXX XXXX and see my accounts
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Colony Brands, Inc. (TN)

Re : Verification dispute of XXXX XXXX XXXX XXXX  accounts with same account number ( XXXX ), same past due amount ( {$180.00} ) and same creditor address ( XXXX XXXX XXXX XXXX, XXXX ) Dear Representative : I am writing to dispute XXXX  claim of verification for the trade lines referenced above. I have disputed this account formation as being merged and therefore inaccurate but XXXX  has come back stating these were verified. How is this possible? 

It is abundantly clear that these two trade lines are merged. It is impossible that two separate trade lines will have exact same account numbers, exact same past due amount and the exact same creditor address. That in itself should have been more than enough to alert XXXX  that the information reported was inaccurate and warranted deletion. My previous CFPB compliant is attached. By continuing to report these inaccurate trade lines XXXX  has caused undue damage to my credit worthiness and as a result I have been denied credit or have had credit extended at higher rates that I otherwise would have qualified for had the two trade lines above been properly addressed by XXXX. 

Per the Fair Credit Reporting Act ( FCRA ) : I have the right to dispute incomplete or inaccurate information CRAs ( XXXX  ) must correct or delete inaccurate, incomplete, or unverifiable information within 30 days CRAs ( XXXX  ) may not report outdated negative information I may seek damages from CRAs ( XXXX  ) and credit reporting data furnishers ( XXXX ) for FCRA violations I contend that XXXX  did not perform due care in its investigation of the two trade lines and rubber stamped them as accurate. I am sure this occurred as a result of XXXX  being understaffed due to Covid-19. This is evident by XXXX drastic cutting of phone support ; however this does not preclude XXXX  from meeting FCRA requirements. In addition if the information from these two trade lines were being correctly reported the XXXX XXXX XXXX XXXX trade line would not appear on my credit report at all. This is due to FCRA statute of limitations. This trade line has already been rightfully removed from my XXXX  and XXXX  reports for this very reason. 

This is a clear case of XXXX  being in violation of the FCRA. I strongly urge XXXX  to immediately remove these two trade lines or I will be left with no choice but to file suit with the intent of reaching class action status. The only acceptable resolution to this matter is for XXXX to delete these two trade lines immediately. 

While I prefer not to litigate, I will utilize the courts and publicity to enforce my rights under the FCRA and seek monetary damages. 


I look forward to swift resolution of this matter.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are several accounts that were accessed with my information without my consent or knowledge. These accounts are a result of identity theft and I want to get this issue handled in an expedited manner. There is someone still using that XXXX account and paying it as it was me and another one they are not. this is destroying my credit. Also there are other accounts that I do not recognize ever having or applying or doing business with. Please help me get this resolved.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I recently applied for three different credit cards. I was denied on all three and really could not understand the reason behind it. I knew my credit was good and there was no way. I then pulled my credit report and saw an outrageous list of accounts that do not belong to me. I have never seen these accounts please delete these accounts from my report.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.
Consumer complaint received 2019-07-26
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)

I am not the person responsible for the charges made on the accounts. XXXX and Transunion put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

Upon reviewing my consumers report, i noticed that there were several accounts listed that do not belong to me. Here are the accounts listed XXXX XXXX XXXX XXXX {$5700.00}, Opened XXXXXXXX XXXX XXXX  XXXX Bal- {$4800.00}, Opened XXXXXXXX XXXX XXXX XXXXXXXX Bal- {$4600.00}, Opened XXXXXXXX XXXX XXXX XXXXXXXX Bal- {$4000.00}, Opened XXXX XXXX XXXX XXXXXXXX Bal- {$4000.00}, Opened XXXXXXXX XXXX XXXX XXXXXXXX Bal- {$3800.00}, Opened XXXXXXXX XXXX XXXX XXXXXXXX Bal- {$3200.00}, Opened XXXXXXXX XXXX XXXX XXXX Bal- {$2500.00}, Opened XXXXXXXX XXXX XXXX XXXXXXXX Bal- {$2500.00}, Opened XXXXXXXX XXXX XXXX XXXXXXXX Bal- {$2300.00}, Opened XXXXXXXX XXXX XXXX XXXX Bal- {$2000.00}, Opened XXXXXXXX XXXX XXXX  XXXX Bal- {$1500.00}, Opened XXXX XXXX XXXX XXXXXXXX Bal- {$640.00}, Opened XXXX
Consumer complaint received 2024-09-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services (MA)

I have attempted twice to repay my loan with Edfinancial in full. This is documented in the payment history on my account. On both occasions, my loan showed a {$0.00} balance after I submitted my payment, but the payment was later reversed with no explanation. 

While this has been occurring, interest has continued to accrue on my account and my payments have gotten larger. 

I have looked online and found examples of others documenting similar experiences with this company. Here is a link to a XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-07-26
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. (TX)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2019-07-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: AMERICAN EXPRESS COMPANY (GA)

I have been an American Express Bluebird customer over seven to eight years. Never have I experienced such rudeness from their customer service department as well as a hold they are talking about for seven to ten days. I have a prepaid Visa and Master Card as soon as a return hits my card it is credited. I called Amex due to TWO returns one in the amount of {$26.00} and the other {$67.00}. This is inexcusable, I work hard and have Direct Deposit every pay period to this account. I need to get gas for next week and because American Express Bluebird rudeness, I may have to catch a ride with a friend or stay home. They can not even explain what Merchant Hold Means. I will redirect my Direct Deposit to my regular bank and cancel this card. This is horrible treatment.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX  XXXX {$430.00}
Consumer complaint received 2019-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (NC)

an account was added to my credit report from southwest credit systems L.P. account number XXXX** that is a result of identity theft .... I have never had an account with this collection agency or charter communications in XXXX nc. yet this company has reported this erroneous account on my credit reports when the company is aware that this is a fraudulent account opened with stolen identity information
Consumer complaint received 2019-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital One Credit card bill due the XXXX or XXXX of each for the past 2 years. Logged into account billing date changed to the XXXX.No notice, no update given. Contacted Capital One, and spoke to extremely rude, unprofessional XXXX based lut of XXXX XXXX, NV id number XXXX who spoke fast and condescending. Refused to slow down and repeat and was admint that there were no disclosures nor terms they had to disclose. XXXX continued to state that we updated our policies and those dates for a billing cycle are no longer available. I asked her for those policies and she refused. XXXX then quoted me 1-2 billing cycles to change date again. Was never informed about the changes and I stay up to date and active with my Capital One account. This is a huge impact to all consumers and credit as this can be a late payment impacting my score.
Consumer complaint received 2020-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

ALL DOCUMENTS ATTACHED. 

TRIED TO FAX COMPLAINT TO YOU XX/XX/2020 WITH NO SUCCESS ON YOUR END. 

91 PAGES OF SUPPORTING DOCUMENTS COMING YOUR WAY. 

COMPLAINT IS TO : Wilmington Trust , XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX
Consumer complaint received 2019-07-26
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: Experian Information Solutions Inc. (FL)

Please reverse the late payments reported on the following accounts : XXXX   XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.