davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

XXXX reporting of XXXX XXXX XXXX this account was paid to the original creditor XXXX XXXX 1. XXXX XXXX did not buy this debt so they did not own it 2. If they do not own it they should not be reporting anything about this debt.

3. arrangement was made with the original creditor and settled
Consumer complaint received 2020-05-12
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 recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts that did not belong to me and accounts that were never late. 

There are also two accounts listed below that are reporting late payment history which is incorrect as these accounts have never been late. I need these three accounts listed under ACCOUNTS TO BE AMENDED to never late. 

I need these three accounts listed under ACCOUNTS TO BE DELETED to be deleted. 

I have a real estate transaction worth {$250000.00} investment property being held up in escrow due to these negative accounts being reported on my file.
Consumer complaint received 2020-05-12
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-05-12
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. (FL)

I am a victim of identity theft and I am writing to dispute certain information you have reported. Please block this information from my credit report, according to section 605B of the Fair Credit Reporting Act, Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions, please Remove of all incorrect or outdated personal information being reported on my credit file. It's frustrating to continue to get denied for credit approvals because of the inaccurate information on my file. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report.
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I paid for a flight on XXXX XXXX on XX/XX/XXXX for XXXX 
Sometime after that I was contacted by Citi that my card may have some fraudulent charges. That I needed to replace the card. XXXX of the charges that THEY put in dispute was with XXXX. I received a notice that the charge was in dispute along with a new card. I told Citi that the charge was a legitimate charge and for them to correct the dispute. 

In XXXX I postponed the flight till May because of the Covid19 pandemic. XXXX later contacted me and cancelled the flight. When I called them to check to see if I was refunded the money, they said they had no record of the charge. 

In my XXXX statement, I had a charge on XX/XX/XXXX for the {$790.00}. I called XXXX and was told they reversed the charge back to " my bank '' on XX/XX/XXXX. When I called Citi I was directed to their security dept who said they had never received the money From XXXX  and that I had OK 'd the charge and insinuated that I was to blame. I made multiple calls to XXXX and spoke to at least 7 people at Citi. No one seems capable of tracking what has happened to the {$790.00} and I am unable to resolve the issue. 

I fault Citi for filing the dispute and for not being able to find out where the money has gone nor willing to make any further effort to track it. AND WHY SHOULD THEY! iT IS ON MY BILL AND I WILL HAVE TO PAY IT OR GET CHARGED PENALTIES AND/OR INTEREST!! AND I HAVE NOT RECEIVED ANY MERCHANDISE NOR SERVICE FOR THE CHARGE.
Consumer complaint received 2024-11-15
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. (GA)

I am filing this FTC Identity Theft Affidavit to report a fraudulent account and inquiries appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries and account have affected my life and resulted in several fraudulent hard inquiries and account and appearing on my consumer FICO credit report. XXXX XXXX XXXX XXXX opened XXXX {$24000.00} # XXXX .I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies  XXXX, TransUnion and XXXX What happened Consumer Name : XXXX XXXX Social Security Number : XXXX SSN ), Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, TransUnion and XXXX 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 inquiries have resulted in several fraudulent inquiries 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 hard inquiries and account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries and account are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, TransUnion and XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Consumer complaint received 2020-05-12
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Remitly, Inc. (VA)

I tried to send XXXX USD on to my parents who are visiting XXXX on XX/XX/2020. The money supposed to be deposited in XXXX to XXXX mins into their bank account in XXXX. Today is XX/XX/2020 but My parents did not receive the money transfer neither I go the refund back from Remitly. I have contacted their customer service so many times but they never me a clear answer about the status of my money. They claimed that their system shows the money was sent but the bank in XXXX did not receive their money and their customer service agent confirmed it more than once. They told me that I would hear back from them with a solution within XXXX to XXXX hours every single time I contacted them but they never contacted me back. Their website stated that their phone service was disabled due to Covid19 so they had a chat service now that service is disabled as well and I can not even contact them about my transaction.
Consumer complaint received 2024-10-21
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: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-11-15
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. (TX)

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX XXXX XXXX XXXX AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Debt Recovery Solutions, LLC (TX)

on my credit report under all 3 credit bureaus, its shows multiple entries for the same debt ... 
this debt is not even mine. 
called the collections companies and they state they show nothing for me but yet leaves it up to me to clear out of my credit reports. 

XXXX XXXX XXXX XXXX called XX/XX/2020 @ XXXX ** they have the following debt listed 2 times on my credit report- XXXX XXXX XXXX XXXX {$2200.00} Debt Recovery Solutions XXXX called XX/XX/2020 @ approx XXXX ** they have debt listed 1 time- XXXX XXXX XXXX   XXXX {$2200.00} I also called this " XXXX XXXX XXXX XXXX  '' @ XXXX on XX/XX/2020 @ XXXX and after review they DO NOT have anything listed for me as a debt, not sure why 3 entries to 2 different credit agencies would have this information.
Consumer complaint received 2020-05-11
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX   XXXX {$2000.00} XXXX  XXXX {$1300.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$300.00} DEPTEDXXXX XXXX {$8500.00} XXXX XXXX XXXX XXXX XXXX {$57000.00} XXXX XXXX {$160.00}
Consumer complaint received 2024-11-15
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 XXXXXX/XX/XXXX
Consumer complaint received 2018-08-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: D. SCOTT CARRUTHERS (CA)

XXXXXXXX XXXXCalled my job @ XXXX on XX/XX/18. Harassing : Rude, Hung up on me several times. Threatening to sue me and garnish wages. I am not allowed personal phone calls.Never discussed any other option. Just very rude and yelling.

Spoke to D Scott Carruthers : XXXX
Consumer complaint received 2020-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX Collection Agencys XXXX XXXX XXXX XXXX XXXX, Indiana XXXX RE : XXXX I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). Thank you for your attention to this matter.
Consumer complaint received 2020-05-12
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FORD MOTOR CREDIT CO. (OH)

After my car got repossessed, I was left with no secure way to get to and from work. Luckily, I got my student aid around that time and used it to purchase a beater car. When my car got repossessed after missing a few payments to Ford motor credit, I heard nothing from anyone. I wasnt sure that I would ever see my beloved 2018 Ford Fusion again. I put so much work into it and was upset that it had got to this point. I got remote start installed in it, tinted windows, the whole nine yards. I figured that they would reach out to me with what I could do to get it back or at least let me know when the auction was for it but nothing. I didnt find out until much later that they should have told me that I could have gotten my car back and could have been at the auction for it. But at that point my car was long gone. I eventually gave up the hope of getting it back but I got a letter about a year later requesting a balance for {$5600.00}, the first time I heard from them after the repossession, and called them to see what it was regarding. It took me a few tries to get to an actual person but when I did, I was stumped. They told me that it was the remaining balance for my car that they auctioned off. That I didnt know that they did. They didnt even give me a chance to fight for it back when I could have! I put so much extra work into it to make it a perfect car too! Not only did they rip off my chance to get my car back, they are trying to charge me on top of it. I dont even know what to think of this corporation and how corrupt it is. It is clearly not following the laws on this or is really going around them. I hope that nobody else has to go through this but I have no doubt that they do this shady practice with anyone a little late on payments.
Consumer complaint received 2020-05-11
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: World Acceptance Corporation (TX)

There is 2 debts being reported to all 3 credit bureaus from World Finance. I have disputed these charges. There are 3 accounts and I only had one account with World Finance, which was paid on time and paid off in full. The other 2 says charge-off, delinquent. I have disputed these charges. This was fraud/identity theft. I contacted World Finance about this and they refuse to show me where I signed for these other 2 loans. It keeps being on my credit report as being accurate. The amount showing is {$750.00} past due as if XXXX XXXX. I contacted World Finance again and spoke to XXXX  on XX/XX/2020 and she informed me that if I pay {$200.00} that World Finance would remove this debt from credit, although this is not my debt, so I sent World Finance a check for {$200.00}. I informed the credit bureaus of this and sent the credit bureaus the letter, and the cleared check for {$200.00} that I sent World Finance. It still remains on my credit report.
Consumer complaint received 2020-05-12
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Made several calls XX/XX/XXXX and XX/XX/XXXX that went no where to assist in removing the account. 
Couldn't get an actual person on the phone to describe my issues and assist. One person would route me to another number then that number would send me to another company but nothing can get resolved.
Consumer complaint received 2020-05-11
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: ALLY FINANCIAL INC. (OH)

Every time I apply for ANY credit, I am sent letters denying me however these same letters states that either a credit report was not pulled or I have a 700 plus score but yet they still deny me for ANY loan or credit application. I wrote the 3 credit bureau on XX/XX/2020 updating my legal name because I was denied credit due to " inactive file '' status. My name has a suffix behind it so I sent them my ID and other documents to provide proof of my identity and requested my credit profile show up active. I never received any correspondence from them or any notification. Further more my identity was stolen by the SBA and I  received a Notice of Data Breach. I am unsure why i am having these issues but know that I should of been offered the credit in which I had requested. I am still receiving notices that states these concerns. Your help in this matter will be greatly appreciated.
Consumer complaint received 2020-05-11
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. (NY)

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.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX  ACCOUNT NUMBER : XXXX
Consumer complaint received 2018-07-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (IL)

I am a senior citizen and a little over a month and a half ago, I attended a little seminar by a XXXX. I paid out of pocket for the initial evaluation and brought my XXXX XXXX   with me. His name was XXXX XXXX. He made alot of claims and promises and I signed up for treatment for my XXXX. After six sessions, I found I was getting no relief and my problems with my XXXX were getting worse. I told the girl XXXX at the front desk that I did not want to be billed in advance of my sessions. Instead, through Care Credit, I was billed XXXX when I only saw this doctor six times and I paid for the initial visit out of pocket. In addition, this doctor said he would give one visit free for each visit. I called Care Credit and said I do not want this on my account. I never wanted to be billed for the full amount ahead of time. Care Credit my account ends in XXXX, said they would contact the provider. I said I got no relief and I received no detailed invoices from each visit showing what was billed to XXXX, etc. I requested this information more than once. Care Credit did not remove this {$4000.00} I am protesting. I checked today again and nothing was taken off as I asked. I called the XXXX  and they did not remedy this and never gave me copies of billings. I told them I do not want anything to do with their office after this issue. Again, Care Credit is billing me the full amount after I protested this. I need something done right away. I am very upset. They provided me no signed contract, nothing. I need something done right away.