davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-29
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. (MI)

On XX/XX/2020, I filed a complaint with CFPB against Transunion Consumer Reporting Agency and XXXX XXXX XXXX XXXX for reporting fraudulent and incorrect information after multiple dispute whereby Transunion did not correct and XXXX was aware that they did not own the account for which they were reporting. 

The response from both XXXX and Transunion was that the information was removed and that it would not be any further efforts or reporting. About a month ago, I noticed that my credit score had dropped drastically with Transunion when no new negative activity had transpired. I reviewed my report tonight and noticed that XXXX still shows on the Transunion Report. When you show the three bureau report, you can see that XXXX does not exist on XXXX or XXXX but it is showing on Transunion with balances. In addition, Transunion is still showing a {$3700.00} balance with XXXX XXXX. I filed a complaint with CFPB regarding the wrong balance that Transunion is reporting for XXXX XXXX as well. I have been denied credit and my score is very low because Transunion will not correct the program and XXXX is still reporting the account that was to be DELETED PER THE RESPONSES OF BOTH TRANSUNION AND XXXX XXXX, XXXX.
Consumer complaint received 2020-11-30
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. (MO)

On XX/XX/2020 I had obtained a 3 bureau credit report and notice that XXXX, Experian and XXXX are reporting false accounts on my credit reports. These listed accounts need to be verified immediately and corrected on my report.
Consumer complaint received 2020-11-30
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: ENCORE CAPITAL GROUP INC. (NC)

On XX/XX/2015, MIDLAND FUNDING add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND FUNDING has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2020-11-30
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. (FL)

Hello, TranUnion and XXXX has failed to respond back to me about the Inaccurate information that is being reported by them. 

TransUnion never update my loan balance and payment amount and the old information never goes away because they fail to update my month-to-month revolving accounts. 

I have reached out to XXXX  and Transunion and now I am reaching out to you to request that you investigate and delete the unauthorized credit inquiry that is reporting to my TransUnion credit report, and also have them to update my month-to-month revolving accounts. 

Thank you for your time and help.
Consumer complaint received 2020-12-05
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. (PA)

I send a personal verification letter with I.D, SSN and Bill Statement they didnt update my personal info i still see the addresses and names plus they add my employer to file.

I send a ID theft report letter and ( 605b ) with a FTC report switch just updated my report and see its still addresses, one account that didnt get remove i called CRA 's and they said that the account was verified dont know how if it was identity theft.
Consumer complaint received 2020-11-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

I had a credit balance from XXXX XXXX because they canceled flight without notice. I had a credit balance {$790.00} for around 5 months. In XXXX Bank of America did a False Charge for my Credit and wiped out the Credit to {$0.00} Balance. This amounts to STEALING my money.
Consumer complaint received 2020-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (CA)

Credit limit decreased after Citibank asked me to switch my credit card with them to another program called Double Cash. If I hadnt switched at their request this would not have happened by their bait and switch tactics. These people are XXXX XXXX XX/XX/XXXX times 10 for scrupulous business practices to consumers.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC. (IN)

This is the third complaint about the same issue for a transaction dispute with axos bank. I have received a response from the last complaint the bank has provided me with documentation from the merchant XXXX, However this doesnt validate my claim. It shows the information on the transaction but NO PROOF OF DELIVERY. As I have stated several times in the past NO MERCHANDISE WAS RECEIVED. The corresponding documentation from the merchant does not show any proof of delivery for merchandise. Also please re review my documentation with the merchant stating they will refund me for the missing merchandise. I STILL HAVE YET TOI RECEIVE THIS REFUND FROM AXOS BANK NOR THE MERCHANT. BOTH PARTIES ARE LYING TO ME. axos bank is refusing to help in disputing the transaction to retrieve funds bank from XXXX even after stating the refund has been processed several times ( see documents ) AND OR axos bank has received My refund and has yet to return it to me as they ending the banking relationship. I HAVE PROVIDED ALL PROOF OF DOCUMENTATION NEEDED FOR THIS CLAIM. XXXX XXXX has provided return policy and that no item was returned. I CAN NOT RETURN WHAT I NEVER GOT. Also they have agreed to refund me for this. As documentation shows. I am unaware of the lack in communication here and what involved parties do not understand, after several attempts to get documentation from axos and after reviewing it appears the dispute was filed incorrectly or someone is just not getting it. This is MERCHANDISE NOT RECEIVED. AND the merchant promised a refund for the issue. Am I not getting it? I am unsure why the last documentation is talking about no item being return no credit is due dispute is invalid. Review my documentation that XXXX promised me the refund. Has not provided any proof of delivery. And axos is not helping in the matter,. XXXX XXXX XXXX if someone can reach out to me I would appreciate it. There is STILL NO VALID DOCUMENTATION OF DELIVERY CONFIRMATION OF MERCHANDISE NOR PROOF OF CREDIT ISSUED.
Consumer complaint received 2020-12-04
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (WA)

I wanted to purchase a TV from XXXX for the XXXX sale, and saw the financing option which sounded pretty good. I applied to get financing, but at first my application was rejected, since my credit history was locked. I called the merchant bank ( TD Bank ) and unlocked my credit history and they retried the request and it succeeded. So now I had a hard inquiry on my credit report and was approved for XXXX . I got my welcome kit in the mail a few days later and I set up my account online as well. 

After this, I went to purchase my TV from XXXX, but I couldn't use the financing option anymore, it was still stuck on the old error of my credit being declined. I called XXXX and asked to be helped but they kept sending me from one department to the other, and finally to TD bank. I called TD bank to resolve this issue, and they said its XXXX who needs to fix it. It has been over 3 weeks now, and I am still unable to make any purchase, and despite repeated calls to both companies I haven't received any resolution. 

Now, I really don't want to do business with a company with such bad service, so I want to close my XXXX credit account, but that will put another remark on my credit history. I don't want to keep the financing open, since I know in the future in 2 - 3 years, they will come back with some fine and charge me for not using the financing option.
Consumer complaint received 2020-11-30
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: Prosper Marketplace, Inc. (CO)

Creditor - Prosper Personal Loans Cares Act Reporting - 30 days late reported XX/XX/XXXX Action - My loan account was placed on Cease and Desist, I did not ask them not to contact me or authorize this order. 

I currently have an installment loan with Prosper. As of XX/XX/XXXX I lost my second full time job because of lack of work due to the COVID 19 pandemic. The circumstances caused an overwhelming elevation of stress of covering two mortgages, utilities and other misc bills that had to be paid. 

In the past I had received reminders via email and phone calls ( on my cell XXXX ) from Prosper for upcoming payments. I grew more concerned because I realized I missed the due date. I confirmed my contact information with them during this particular call. The phone number they had on file for me was XXXX, I had this number 14 years prior. I asked why hadn't they called the number listed on my application or e-mail address? 

'Upon speaking with a Prosper representative and they said my account was on a Cease & Desist order. I explained I did not give them notice to cease or desist. They chose update my account status due to a rude representative I spoke with in XX/XX/XXXX or XX/XX/XXXX, unbeknownst to me. I did not ask for a Cease and Desist order. 

I asked them to remove that order and it is alright for them to contact me in the future. I also asked if there is anyway I can have the 30 day mark removed and I explained the circumstances that led to this occurrence. I then disputed with Prosper internally and gave my employer number to verify job loss and date. The employer used my vacation hours to exhaust the remaining PTO. 

I have since then cured the past due balance as they have been unwilling to help me this one time. I also hired a third party agency to intervene. I feel bad because I had never been 30 days late and this truly hurt me. As a consumer I due depend on the reminders and I understand I should have been more responsible. I was severely impacted and events leading up to the 44 % income loss made things almost unbearable. 

Prosper did not volunteer any forbearance opportunities, I had to ask if I could skip a payment and other options etc. They were not helpful during the initial Cares Act non-reporting period beginning on XXXX. And to date I believe my account status remains as DO NOT CALL.
Consumer complaint received 2020-12-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JP RECOVERY SERVICES, INC. (MI)

I have been contacted twice by JP Recovery ( XXXX XXXX XXXX ). The first time I was contacted was inXX/XX/XXXX. The agent called and requested my name, date of birth, address without disclosing who was calling. I provided my name to the agent and asked them who is calling. The agent told me they were working for JP Recovery and were collecting a medical debt. When I ask about the debt, who it was with and the amount of the debt they told me they could not proceed unless they confirmed my identity. The call felt like a scam so I did not disclose more than my name. 

After the first call, I downloaded XXXX XXXX and saw my credit was in good standing and there were no debt claims on my accounts. I also called my doctor offices to ensure I did not have an unpaid bill with any doctor office. 

I received a second call today ( XXXX ). The agent asked my name, I verified they were speaking with the correct person. The agent then wanted my birthday. Again they did not disclose who they were calling with. When I asked the agent who I was speaking with the agent refused to tell me who was calling unless I provided them with personal information. I ended the call. I then called back the phone who had just called me and heard on the phone system that the phone number was associated with JP Recovery. 

After the second call, I downloaded a free credit report from XXXX and XXXX and saw that I do not have any outstanding accounts. I also called the local police who discovered the XXXX XXXX XXXX was robo generated, which led the police to also believe I am the target of a scam.
Consumer complaint received 2020-11-30
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: CITIZENS FINANCIAL GROUP, INC. (SC)

On XX/XX/2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2020, CITIZENS ONE AUTO FINANCE add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2020, XXXX  - XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-11-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

I have submitted all my personal information to Venmo and emailed them numerous times. They finally have contacted me back today and stated they still could not give proper reasoning to why my account is closed. I want full details or my account reopened.
Consumer complaint received 2020-12-04
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. (TX)

There are several inquiries that are on my report that i have NOT applied for. I have asked them to be removed but they have not submitted any proof back to me. Here they are : XXXX XX/XX/20 US SM Bus Admin XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XXXX XX/XX/20 & XX/XX/20 XXXX XXXX XX/XX/20 Also i Have accounts that are not showing on my Equifax that i wish to have on there. 
I have 1 Accounts with XXXX XXXX XXXX 1 account with XXXX XXXX XXXX XXXX 1 Account with XXXX
Consumer complaint received 2020-11-29
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. (MN)

CORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX BELOW NOT CORRECT : XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX ^^^ NOT CORRECT ADDRESS ^^^ XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$27000.00} XXXX FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report. 
RemoveXX/XX/XXXX XXXX {$440.00} XXXX FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report. 
RemoveXX/XX/XXXXXXXX XXXX {$19000.00} XXXX FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report. 
RemoveXX/XX/XXXX {$1100.00} XXXX FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report. 
RemoveXX/XX/XXXX XXXX {$5300.00} XXXX FCRA violation. How is this verified? Not mine. Inaccuracies placed on my report. I will enclose in my attached documents, with wrong names, addresses on my report. 
RemoveXX/XX/XXXXXXXX, XXXX {$200.00} XXXX
Consumer complaint received 2020-12-04
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. (PA)

I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.
Consumer complaint received 2020-11-29
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. (TX)

My correct address is deleted FCRA violation please see attached document FCRA VIOLATION. Correct right address is : XXXX XX/XX/XXXXXXXX XXXX, XX/XX/XXXX XXXX and remove wrong address below or pay me {$1500.00} PER violation accordance to FCRA law. 

XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX << -- - NOT Correct address. 
XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3800.00} written off. {$3800.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$3800.00} Date OpenedXXXX XXXX XX/XX/XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$1500.00} written off. {$1500.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$1500.00} Date OpenedXX/XX/XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$430.00} written off. {$430.00} past due as of XX/XX/2020. 
Account TypeUtility Balance {$430.00} Date OpenedXX/XX/XXXX
Consumer complaint received 2020-11-29
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: Resurgent Capital Services L.P. (AZ)

Lvnv opened a collections account on my credit reports in the MIDDLE OF A PANDEMIC!!!. The only reason I know this is because I have credit monitoring account. ( XXXX dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then Lvnv has come along to make this achievement short-lived. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with Lvnv. I can't find any information about this false debt. This fraudulent charge is hurting my credit report. Remove this fraudulent trade on all CRAs ASAP! I will sue!
Consumer complaint received 2020-11-30
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: ENCORE CAPITAL GROUP INC. (NC)

On XX/XX/2020, MIDLAND FUNDING LLC add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.