davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-12
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. (NJ)

Ive sent a dispute to TransUnion regarding fraudulent inquiries. They make disputing UNAUTHORIZED inquiries very hard. Below are the following FRAUDULENT inquiries. Ive made a report for identity theft due to these. Inquiries can seem insignificant but can be detrimental to obtaining new credit. I did not authorize these inquiries. 

XXXX/XXXX  Inquiry from XX/XX/2020 XXXX XXXX XXXX from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX   XXXX  Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX from XX/XX/2020 XXXX XXXX  XXXX from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX   XXXX  Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 2020
Consumer complaint received 2020-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (OR)

On XX/XX/20 I received a Comenity credit card. It was stated that this was a replacement for a Wayfair store card I previously held. However upon calling Wayfair they said they no longer do business with Comenity. So it seems that Comenity sent me a MasterCard to replace a Wayfair store card. When I activated the card I thought it was a new Wayfair card which offers special financing at their store. I did not realize this was not the case until I called Wayfair customer service. I feel this was deceptive on the part of Comenity, sending me a credit card to replace a store card I previously held.
Consumer complaint received 2020-09-12
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: Experian Information Solutions Inc. (TX)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX SSN : XXXX DOB : XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX Balance XXXX, this is not mines. I have payment history as proof. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute this account XXXX XXXX XXXX - XXXX, the balance is wrong and the account is being paid monthly. This account should never have any charge offs. If account is sold, the balance should be XXXX. Please delete this account. 

Item # 3 : I dispute XXXX XXXX - XXXX, this account is more than 10 years old and should be deleted from report. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Upon reviewing my credit, Equifax is reporting a late payment on XXXX for XXXX XXXX this is reporting inaccurate as I have never been late and am asking Equifax to provide documentation. If this can not be provided please update to on-time.
Consumer complaint received 2020-09-12
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 — Was not notified of investigation status or results
Company: ALLIANT CREDIT UNION (GA)

Hello, In XXXX a false negative report was recorded in the XXXX  XXXX   system. This negative report was received by my XXXX  card and my Alliant card. My XXXX  card noted it in my monthly fico score but took no action and my alliant card sent me a letter notifying me of a reduction in my credit limit. I contacted trans union on XX/XX/XXXX and rep indicated that there was no record of any negative report on my credit. My complaint is against XXXX XXXX as the False negative report only could have came from them, as 2 separate credit cards noted a negative report and both get their information from XXXX. It is deeply concerning to me as there seems to be no record of where this false report came from. For an entity ( XXXX  ) responsible for such valuable information these sorts of mistakes need to be taken seriously and investigated through.
Consumer complaint received 2020-09-12
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)

XXXX XXXX XXXX XXXX just placed an item that was previously reviewed and deleted by the credit reporting agencies the amount is {$110.00} and it was put back on my credit report on XXXX this item was reviewed and removed on XX/XX/2020 I don't order this kind of service cause our landlord doesn't allow antennas on their buildings, my current address is XXXX XXXX XXXX XXXX XXXX in XXXX XXXX CA,XXXX my name is XXXX XXXX cell XXXX XXXX XXXX XXXX, I reported that this item was opened fraudulently .. I will need from XXXX XXXX the address and phone # where this service was place on so I can call the local authorities.. in the mean time i want them to removed that item from my credit report.. thank you very much for your help in advance.
Consumer complaint received 2021-06-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (HI)

I lost my debit card and informed USAA. After that someone was depositing and cashing fraudulent checks with my account. USAA held me accountable for the debt without telling me why. I have been trying for months to get a straight answer and all I get is to be out on hold for hours and then no answer or resolution. I have requested a copy of the investigation and still none has been provided. They have since reported me to early warning system. Due to the lack of assistance my family paid the debt and its been over two weeks and they still have not lifted the hold with early warning system. This hold is making it so I cant open a checking account for direct deposits. In 1 week I called USAA 3 times and got put on hold and no resolution.
Consumer complaint received 2020-06-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: CARD Corporation (OK)

On XX/XX/2020 I am sitting on my couch when XXXX, which is a food delivery company in the XXXX charged my card {$66.00}. I immediately cancelled my card and contacted XXXX. After days on me trying to get answers and being unable to contact the card holder CARD.COM to get info on my money back due to them being short staffed from covid. XXXX finally responded back and told me they flagged the account that my card was used on for fraud but stated I had to get the money back from card.com. 

I am reporting card.com because after speaking with a representative in the fraud department she told me it is not their job to provide security for their cards. They are a business and they provide a service. They feel like I should have been better and not ordered someone food in the XXXX. I told her there is no way I am just sitting on my couch in America ordering food for people in the XXXX. 

I think the American people should know that CARD.COM doesn't feel like they have to provide card security while holding our money on their platform.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Park Hill Holdings (TX)

This is a complaint regarding the Consumer Reporting company CORELogic. 

In XXXX of 2021, I sent in a request to CORELogic requesting a copy of my consumer report. With this request, I submitted a copy of my Drivers License and social security card to verify my identity, although the form does not request it. Approximately two weeks later XXXX XX/XX/2021 XXXX, I received a letter from this company saying they could not fulfill my request, as they could not verify my address, and that I needed to send in a copy of my utility bill, or bank statements with my address. I then called the number listed on the letter to speak with an agent, who I informed that I did not have a utility bill at that address, nor did I receive bank statements at that address. The agent then informed me that without these documents, my request would not be fulfilled. I attempted to make other phone calls to speak with a supervisor, but those attempts were also fruitless. 
On XX/XX/2021, I sent a second request by certified mail, which is attached to this complaint. In this request, I detailed how CORELogic was violating the FCRA, as their refusal to accept my documentation was effectively preventing me from receiving a copy of my consumer report, and I had good reason to believe that the information reported by their agency was fraudulent, or inaccurate. Moreover, the form printed from their website also uses wording that suggests that submission of certain identifying information, such as my bank statements, were voluntary, not required. I also requested they fulfill my request by U.S mail, NOT EMAIL for security reasons. On this day, I also sent a copy of a request to place a security freeze to protect myself as I waited for them to respond to my request. I also had both copies of the aforementioned documents notarized, and sent a copy of my Insurance Declaration page from my auto insurance. To date, I have yet to receive a response to this request.
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (UT)

Equifax site is down and has been down for almost a week. Can not access logins, credit freezes, nothing. Called, could not get through, waited on phone for 2 hours. Please tell Equifax to fix their site and allow quicker access to representatives. Need to lift freeze immediately. Thank you. XX/XX/2020 XXXX XXXX
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I bought a Tv last XXXX and used there in house XXXX XXXX XXXX. I made multiple payments every month and never missed one payment. I paid the Tv off early and when I looked at my credit score they reported I never made any payments and I have been late on my payments for over 9 months now harshly effecting my credit score. I called them and they said they would be in touch but never called me back or tried to.
Consumer complaint received 2020-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

Last month my credit limit was {$10000.00} and then this month it suddenly decreased to {$2000.00}. I was never notified of this adverse action and it's affecting my services since I put my recurring charges on that card.
Consumer complaint received 2020-09-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

I've been in communication with LVNV Funding since XX/XX/20. They were negotiating a settlement with me and when I told them I needed a consideration because I am going through a financial hardship they told me to contact XXXX XXXX. I contacted XXXX XXXX and arranged a settlement and the day I called in to process the payment they refused to take it. They said the account was transferred back to LVNV Funding so I called them and they refused to take a settlement. They would only take the full amount. The reasoning behind this was because in their system it showed that XXXX XXXX was servicing the account. The odd thing was that they wouldn't take a settlement JUST a payment in full. With all this back and forth I still have not been able to settle this account and they continue to mark me late on my credit every single month. I beleive it is unfair and illegal for them to do this. I have the money, I made arrangements so why can't they keep their word and settle my account? It seems like the owner of the debt ( LVNV ) caught wind that I was settling the account for a reasonable amount and they didn't want that to happen so now they have my account in a limbo where I am the only one losing. I can't pay to stop the negative credit reporting and they don't seem to care.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 84
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On or about XX/XX/2017, my husband and I visit XXXX XXXX XXXX in XXXX, Texas to purchase a vehicle. We explained to the sale man, XXXX that we only wanted to have our credit run ONCE due to going through mortgage process. The finance gentleman explained he ran our credit with XXXX XXXX. 

We have since discovered our credit was run FIVE times. Twice with the same company. We have attempted to reach the dealership to discuss but to no avail. Multiple messages have been left with the owner/general manager, XXXX and the Sales Manager, XXXX. Neither of which will respond. 

Multiple inquiries were NOT authorized for this transaction. Our credit was run with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2x XXXX XXXX XXXX XXXX Further the Finance Manager, XXXX stated the inquiry was only a SOFT inquiry. When infact, all of these inquiries are hard inquiries and effecting our credit.
Consumer complaint received 2020-09-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent letters out CERTIFIED over 60 days ago and have not been notified as a consumer i feel like these jokers are taken advantage of normal people.
Consumer complaint received 2018-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Equifax is reporting a mortgage account that is closed asd has been paid in full as opened and with an outstanding balance on my credit report. I have notified them multiple times now this account is paid and closed and they have not corrected the issue. I have reached out now over a dozer time and for over a month or two now. they have ignored my requests and still show the account opened with a balance and that is incorrect. this account is closed and paid in fill parkside lending has been paid and in full and show show a XXXX balance an closed please properly update the accurately
Consumer complaint received 2018-05-06
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: I.C. System, Inc. (CA)

they are reporting a collections and negative account on my XXXX   credit report that does not belong to me this account and balance are not mine and they were to removed these from my credit reports months ago please remove this incorrect information
Consumer complaint received 2020-09-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (NM)

Radius Global Solutions has called many times and from many numbers. XXXX was the latest. They call asking for personal information concerning a debt collection. It is usually a person very hard to understand due to an accent. They will not say what the debt is for. When asked they will not send mail containing the debt information.
Consumer complaint received 2020-09-12
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: Experian Information Solutions Inc. (NY)

in reply to EXPERIAN, of course i sent in this this and the last complaint because i am a victim of identity theft. I don't understand why you would think otherwise. with that being said I am resubmitting my complaint again
Consumer complaint received 2018-05-07
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. (SC)

This debt is not mine, and it was originally removed from account and placed back onto my account. Please remove this from my credit report immediately. 

XXXX XXXX XXXX- orginally removed from my account and placed back onto my account through a collection
Consumer complaint received 2020-09-12
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. (AZ)

I check my credit report and notice some things that does not belong to me.The account listed below aren't mine. I sent in multiple letters to address the issue, they deleted the accounts but it keeps coming back. haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, Equifax and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX