davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-26
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: Bread Financial Holdings, Inc. (GA)

To Whomever This May Concern : My name is XXXX XXXX and this is about my 10th complaint regarding Fraudulent items on my XXXX credit report. I have just submitted my complaint with the FTC. My next step is to submit a Federal Lawsuit because many of my rights have been violated by XXXX and XXXX XXXX. XXXX has repeatedly refused to block items by XXXX XXXX   on my credit report thus leaving me with no option but to file a federal lawsuit against them. XXXX XXXX   has left me no result as well. They have exceeded the time frame on their investigations and the items are still on my report and affecting my family and I. I have decided to reach out one last time before I filed my Federal Lawsuit. Please see attached documentation proving fraud which includes my police report, my ftc case number detailing the accounts of fraudulent items. I would appreciate this being addressed before I have to take further steps.
Consumer complaint received 2018-01-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

XXXX is nothing but a rip off sham. They have been cheating me with {$20.00} a month interest only XXXX XXXX dollar balance regardless if I make a payment. OBVIOUS this can not be legal. This crytic flim flam billing is criminal to say the least. PLUS they deliberately do not answer the phones. Irrefutable they are conniving thieves being evasive and deceptive. THIS is a worthless store credit card. Countless complaints online same scam!!!!!
Consumer complaint received 2018-01-26
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: EQUIFAX, INC. (UT)

On XXXX I discovered after a conversation with my ex-husband XXXX XXXX that the credit agencies deleted a past mortgage. I did not authorize this. At the time I had hired XXXX XXXX to do credit repair in XXXX. It was on there prior to hiring them. They, however, deny removing it. I wrote to all three agencies and they will not address the issue. 

I have provided plenty of evidence showing when account opened, closed, high balance and correct payoff. 

I am XXXX yo grandmother and it shows I only have had credit for four years! 

It is damaging my score due to lack of credit information. XXXX mortgage no longer exists so there is no way for me to contact them directly. 

Need this to report on my credit file. They report bad but don't want to report good when its old.
Consumer complaint received 2018-01-28
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. (AZ)

I am a victim of identity theft. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX, {$480.00}, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, {$7000.00}. I been receiving harassing and threatening phone calls of abuse, death threats, profane language, threats of arrests and taking legal action against me repeatedly from the above debt collectors. I have sent cease and desist letters to the above debt collectors via USPS certified mail, informing the debt collectors the account is fraudulent and unauthorized, and requesting for them to stop calling and writing me about the above reference and fraudulent accounts. The debt collectors from the above creditors continue to call and send me letters. This is a serious breach and major violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law. The above creditors are in violation of the ( FDCPA ).
Consumer complaint received 2020-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XXXX XXXX sent me an email that it looked like my personal data may have been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. XXXX, XXXX  XXXX {$0.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$510.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX
Consumer complaint received 2018-04-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Southern Auto Finance Co (TX)

I had a loan with Safco for a XXXX XXXX XXXX. The vehicle was flooded in Hurricane Harvey in XX/XX/XXXX. Safco has reported to the three credit bureaus that the account is still open, past due {$2300.00} over 150 days late. 
In XX/XX/XXXX, Safco received Gap payment of over {$4000.00} and on XX/XX/XXXX I made a payment of {$380.00} which brought the account to a XXXX  balance, paid in full as of XX/XX/XXXX. I had one deferred payment during my loan and gap did not cover that deferment, therefore I made that payment on XX/XX/XXXX to bring the balance to XXXX. 
I checked by credit with XXXX and they stated the account was updated at the end of XX/XX/XXXX and again on XX/XX/XXXX. It was updated incorrectly. the status still shows a balance due and a open account. I have called Safco many times and I have also faxed them documentation which included my " paid in full letter '' which was not received until XX/XX/XXXX, as well as a copy of my credit report from Experian dated today XX/XX/XXXX. My credit report is not correct and I can not qualify for a loan with this incorrect information on my report. My status should be paid in full, XXXX balance, late payments due to gap paid in XX/XX/XXXX, due to natural disaster Hurricane Harvey. It is not my fault that Gap insurance took so long to pay. I need my credit reports corrected to show this was a Gap claim and was paid in full in XX/XX/XXXX and I have a XXXX balance and it was late over 150 days due to Hurricane Harvey.
Consumer complaint received 2020-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

I AM IN THE PROCESS OF PURCHASING A HOME AND WAS PROVIDED A FULL COPY OF MY CREDIT REPORT. AFTER VERIFYING MY REPORT, I NOTICED SEVERAL UNRECOGNIZED NEGATIVE ITEMS THAT ARE PREVENTING ME FROM OBTAINING A MORTGAGE. 

I DID SOME RESEARCH ON THE CFPB WEBSITE AND FOLLOWED THE STEPS TO HAVE THESE ACCOUNTS VALIDATE AND/OR DELETED FROM MY REPORT. FOUR MONTH LATER I FIND MYSELF WITH LITTLE TO NO RESPONSE FROM THE BUREAUS. THEY HAVE NOT RESPONDED TO SEVERAL LETTERS I SENT AND HAVE NOT PROVIDED DOCUMENTATION TO CLARIFY/SUPPORT THESE ACCOUNTS. 

I HAVE PROVIDED ALL THE DOCUMENT NEEDED TO PROCESS MY REQUEST WITH NO SUCCESS. PLEASE FIND THESE DOCUMENT ATTACHED TO MY DISPUTE.
Consumer complaint received 2018-01-26
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. (UT)

On XXXX,XXXX I discovered after a conversation with my ex-husband XXXX XXXX that the credit agencies deleted a past mortgage. I did not authorize this. At the time I had hired XXXX XXXX to do credit repair in XXXX. It was on there prior to hiring them. They, however, deny removing it. I wrote to all three agencies and they will not address the issue. 

I have provided plenty of evidence showing when account opened, closed, high balance and correct payoff. 

I am XXXX yo grandmother and it shows I only have had credit for four years! 

It is damaging my score due to lack of credit information. XXXX mortgage no longer exists so there is no way for me to contact them directly. 

Need this to report on my credit file. They report bad but don't want to report good when its old.
Consumer complaint received 2018-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc. (FL)

XXXX XXXX XXXX is collecting 4 debts for XXXX XXXX Emergency Room, listen before you guys are making up your bills, you need to make sure that it's real. Or I'll take legal action for destroying my reputation. I went to see a doctor at XXXX XXXX not in the emergency room, I had an appointment. I had my insurance, and was covered. And I went there only once in my life. I never seen those 4 collections, if we'll have to take care of that in court. Because you guys are all over my report for false debts. Now if you don't go ahead removing these false reports from my credit reports. I'll file against XXXX XXXX XXXX in court. That's a totally destruction you guys are doing to me, it hurts my credits reporting debts that even you guys have no ideas where the hospital got them { { { { { Opened : XX/XX/XXXX ( 3 yrs, 7 mos ) Amount : {$710.00} Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX PA } } } } ; { { { { Opened : XX/XX/XXXX ( 2 yrs, 6 mos ) Account status : Open Amount : {$310.00} Original Creditor Name : XXXX XXXX XXXX XXXX PA } } } } ; { { { { Opened : XX/XX/XXXX ( 4 yrs, 3 mos ) Amount : {$300.00} Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX PA } } } } } Opened : XX/XX/XXXX ( 4 yrs ) Account status : Open Amount : {$38.00} Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/2017 two transactions were made around XXXX with our Huntington Bank Credit Card. We called the next day to attest these obviously fraudulent charges made within minutes of each other - one to a company called " XXXX '' for {$540.00} in the XXXX and the other to a company called XXXX ( a music mixing software company ) out of Minnesota. The charges were reversed and investigations opened. On XX/XX/XXXX, the charge made to XXXX for XXXX was put back on our credit card. When I called to inquire why we were being charged for this obviously fraudulent transaction, I was told that Huntington Bank had closed the investigation. When they reached out to XXXX, they were able to confirm that the purchasing address and shipping address matched what they had on file for our card. Which means that someone stole our cc information, as well as our address. When I explained to Huntington that this purchase was for online software, based on their website, and that no shipping address would ever be needed for this purchase they declined to pursue further, stating that I needed to follow up with XXXX to get our money back. I have had no response from this company. I have made several calls to Huntington, their fraud department, our local branches - no one is willing to assist with a fraudulent charge or investigate it further when they have already proven that another fraudulent charge went through on the same night only minutes prior.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I was shocked to see inaccurate accounts on my credit report this morning, and Im completely baffled as to why theyre there. I checked my report like I normally do, but this time, unexpected discrepancies appeared out of nowhere. I even tried refreshing my browser, hoping it was a glitch, but the inaccurate accounts remained. Given this issue, I urgently request that the documents Ive sent be thoroughly reviewed so I can finally put this worry to rest.
Consumer complaint received 2018-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX is collecting 4 debts for XXXX XXXX Emergency Room, listen before you guys are making up your bills, you need to make sure that it's real. Or I'll take legal action for destroying my reputation. I went to see a doctor at XXXX XXXX not in the emergency room, I had an appointment. I had my insurance, and was covered. And I went there only once in my life. I never seen those 4 collections, if we'll have to take care of that in court. Because you guys are all over my report for false debts. Now if you don't go ahead removing these false reports from my credit reports. I'll file against XXXX XXXX XXXX in court. That's a totally destruction you guys are doing to me, it hurts my credits reporting debts that even you guys have no ideas where the hospital got them { { { { { Opened : XX/XX/XXXX ( 3 yrs, 7 mos ) Amount : {$710.00} Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX ( 2 yrs, 6 mos ) Account status : Open Amount : {$310.00} Original Creditor Name : XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX ( 4 yrs, 3 mos ) Amount : {$300.00} Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX ( 4 yrs ) Account status : Open Amount : {$38.00} Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

On XX/XX/XXXX I discovered after a conversation with my ex-husband XXXX XXXX   that the credit agencies deleted a past mortgage. I did not authorize this. At the time I had hired XXXX XXXX to do credit repair in XX/XX/XXXX. It was on there prior to hiring them. They, however, deny removing it. I wrote to all three agencies and they will not address the issue.

I have provided plenty of evidence showing when account opened, closed, high balance and correct payoff.

I am XXXX yo grandmother and it shows I only have had credit for four years!

It is damaging my score due to lack of credit information. XXXX XXXX no longer exists so there is no way for me to contact them directly.

Need this to report on my credit file. They report bad but don't want to report good when its old.
Consumer complaint received 2018-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NC)

XX/XX/XXXX - Requested validation / disputed the debt XX/XX/XXXX - Received notification of pause while they validate XX/XX/XXXX - Received notification of continuation of attempts to collect this debt, but they did not provide validation that is the standard and required according to the Fair Credit Reporting Act. A front bill page with my name on it does not validate that this is my account, nor that I agreed to such an account. According to the FCRA they must provide me with a hand signed contract to validate this debt.
Consumer complaint received 2018-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: R.M. Galicia, Inc. (AZ)

My bankruptcy is not discharged as of yet. XXXX XXXX XXXX was notified thru bankruptcy processes and last reported to my credit report XX/XX/XXXX. XXXX XXXX XXXX denies being notified and one representative hung up on me. You've paid off -17 % of your collection amount. 

Balance {$5200.00} Highest Balance {$4400.00} Opened XX/XX/XXXX ( 1 yr, 11 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX
Consumer complaint received 2018-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau (IL)

In late XX/XX/XXXX I received multiple calls from Medical Business Bureau stating that they were trying to collect a {$93.00} debt from XXXX Hospital. I informed them that 1. They never mailed out anything in writing and 2. Based on what they communicated the debt was not my responsibility. I requested information about the dispute process, I verbally stated that I was disputing the charge and I mailed official dispute in writing a couple days later. After that I never received verification of the validity of the debt. On XX/XX/XXXX I found out that in spite of my dispute this company had notified both major credit bureaus and this collection now appears in my account. The dispute is less than 60 days old, there has been no investigation of my dispute, no written verification of the validity of the debt as required by law, and no further update from this company. They knowingly reported an account that was in active dispute status. I am requesting immediate removal from all credit reporting agencies.
Consumer complaint received 2020-08-18
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: Experian Information Solutions Inc. (CA)

I Decided to check my Credit, because I Interested in buying a house for me and my Family I notice that there are Accounts that I did not Authorize someone must have used my Person Information without my Consent this is fraud and I want something done about this these people should not get away with this
Consumer complaint received 2018-01-28
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. (MS)

Decided to dispute accounts on credit report, but I couldn't get accounts on my credit report from the reporting agency showing that these are my accounts. Ask them to investigate these accounts, but only receive they are validate and belong to you. Ask them to show me proof they belong to me and couldn't get proper proof or a response. Sent out certified letters asking for proof and recieve a we not reinvestigation this matter.
Consumer complaint received 2018-01-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC (KS)

XXXX sends out printed advertising but application for the loan is done online. On XX/XX/XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX ) approved a loan in the amount of {$6500.00}. I printed out the email showing that the loan amount of {$6500.00} had a 14.99 % APR and a term of 3 years. I selected these terms on applying for the loan. These terms were repeated in an email on XX/XX/XXXX, when the loan was funded. 
In actual fact, a loan proceed of {$6100.00} was deposited in my checking account. 
When I called the XXXX number on XX/XX/XXXX, I was told that a loan origination fee of {$320.00} was deducted from the amount deposited to my account. The origination fee was not declared on any of the information about the loan I printed out. 
After the fact, I went back to the advertising sent to me and found in closely spaced, tiny 2 point grey print reference to an origination fee. 
The CSR knew who I was, but told me that the origination fee was 5.25 % ( which I converted to XXXX during conversation with him to check the math ). Then he changed the percentage of the origination fee to 4.79 %, and this was correct ( XXXX x XXXX = {$320.00} ).
Consumer complaint received 2018-01-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

This is a complaint against Citi Bank referenced to my business account that was closed by this institution. I received a bad check by a company that was my company was receiving a payment by. I understand that the bank took preventions methods for security reasons, but it was not my fault that this check was a bad check. Either way I assume responsibility and must move on, what has me furious and confused is that the bank has my mail filled with letters with investigations. When this all happened a few weeks ago, I contacted the department of fraud because I wanted to solve the problem and because they blocked my money that has nothing to do with amount of money of check deposited. I am losing more than 800 dollars because Citi bank wants to keep my money.
Consumer complaint received 2018-01-28
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)

i have been disputing an alleged account from XXXX  XXXX .it was in litigation in XXXX XXXX florida .the judge said i won the case the attorney for XXXX  XXXX is XXXX XXXX he is still reporting this i can not talk to XXXX   XXXX because it directly sends me to this attorney they are reporting it every month in a unethical manner to drive my score down. which i believe violates the f.d.c.p.a. an the f.c.c.p.a.and all three credit agencies refuse to take it off my report, Evan sending them documents to prove i wasnt lying ... the numerous disputes has gotten me no wear but time added on to this account.XXXX XXXX owes me XXXX dollars.that his law firm has refused to pay.the law offices of XXXX XXXX XXXX out of XXXX  florida. i just want it removed from my credit report.