davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I recently received a copy of my XXXX report, and I noticed a late payment posted on my credit report : XXXX XXXX auto finance for the month of XX/XX/year> Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Consumer complaint received 2019-12-28
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. (VA)

I recently filed a chapter XXXX bankruptcy. The account XXXX XXXX  with the original creditor being XXXX was included but is still showing as an open account with a XXXX balance. I have tried disputing this through transunion several times.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2020-09-04
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (NC)

Initial complaint : received a letter dated XXXX XXXX, XXXX from Synchrony Bank XXXX XXXX XXXX XXXX, XXXX FL XXXX ) stating that an application for a SYNCB XXXX XXXX XXXX  account had been submitted and declined due to " unverifiable application information ''. I reviewed my credit report at the time and didn't find any impact. I reviewed my credit report again in XXXX XXXX, and found a hard inquiry into my XXXX credit report dated XXXX XXXX XXXX from Synchrony Bank even though there is a fraud alert on all credit bureau reports as of XX/XX/XXXX. I attempted to dispute the inquiry with Synchrony Bank in XX/XX/XXXX, and was informed that because the application was more than 30 days aged, I am unable to initiate a fraud complaint. Instead I was told by the fraud department to reach out to the individual credit bureaus, who would be able to reach out to Synchrony Bank to investigate the matter. Instead of Synchrony Bank working with a consumer who is a victim of identity theft, they are essentially washing their hands of my concern, and requiring that I take even more of my time to contact each credit bureau individually for something that Synchrony will have to investigate themselves. 

Current complaint : Synchrony did attempt to contact me, but at no point did that voicemail ask for additional information from me or did they make any additional attempt to contact me before closing the complaint saying I was unresponsive. I have attached a screen shot of the voicemail text showing as much.
Consumer complaint received 2020-09-05
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. (SC)

Equifax removed XXXX off my credit report then put it back on during same month. Need this back removed permanently because removing an item then putting back on is against the law.
Consumer complaint received 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MS)

Dear Cfpb I have Tried to Remove This Incorrect Public Record Bankruptcy From My Credit Report in The Credit Bureaus Fail To Remove This From My Credit File, This Had Been Hurting My Credit, Can not get home or get any lines of credit because of this matter, Credit Bureaus had Broke FRCA Laws, So I'm Here Today With Date and Tracking Number and Paperwork From Court Saying They don't give my information to other 3rd party or No Party at all, Plus I Freeze All 3rd Party Credit Bureaus ( XXXX XXXX ) any many more .So I Have Send You Court House Letter and Tracking Number to All The Dispute I Have Send in To Credit Bureaus ..Please Hit me Back Thank You First Round Dispute Equifax XXXX XXXX XXXX XXXX   XXXX
Consumer complaint received 2020-09-05
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: Experian Information Solutions Inc. (CA)

I disputed XXXX incorrect negative information and in doing so experian allowed them to make a monthly negative mark on my account every month that has and is effecting my credit every month. The account was a charge off on a secured credit card. Secured credit card is why I was disputing thr mark. How can I be charged negatively on a secured card that was secured with my money. This is overwhelming and is causing me great harm.
Consumer complaint received 2020-09-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I apply for XXXX loan from Bank of America, but Bank of America doesnt email loan documents to me, I call Bank of America many times tell I dont have receive email, I double check my email address with Bank of America, but I never received loan documents, so I dont sign document, I dont have get money, Bank of America Officer is rudely, always tell me dont know why, hang out my phone,
Consumer complaint received 2020-08-28
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: EQUIFAX, INC. (FL)

I have account on my credit report that has 3 duplicates in 2 bureaus and 4 duplicates in third. The name of account is XXXX XXXX XXXX. It has the same account number but different amounts and dates. I'm trying to solve this problem over 3 months and all I get in response is that information verified and accurate. Bureaus updating dates and status on the accounts, But I know my rights and understand that this is VIOLATION of FCRA. Please help me fix this problem. My credit score is hurting by this tremendously. I'm attaching copy of my ID, bureau response and the way accounts appear on my report. Thank you
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC (TX)

The Global Lending Services LLC company has been reporting incorrect late payments for years since XXXX. I have reached out to them and also the credit bureaus namely XXXX, XXXX  and XXXX. Nevertheless, none of them did anything to correct the problem. I am attaching proofs of my payments to Global Lending Services for the last 4 months. Yet they still report a 30-day late  payment on my XX/XX/XXXX reports across the bureaus. The credit bureaus mentioned above also did nothing. Every time I send in a request for investigation on the late payments, they also come back to me with a statement declaring that all late payments are verified. It is obvious and evidently that those late payments are wrongly noted. I even send in document from GLS LLC themselves to prove that I was not late. This is clearly a violation of FCRA and other consumer laws. I plan to take this company and the bureaus to court if they do not want to correct this problem.
Consumer complaint received 2020-09-04
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. (TX)

This account is fraudulently reporting to my credit report! I have TRIED to exercise my right as a consumer, under section 611 by asking for verification nicely, but the company has refused my request and Experian has failed to protect my rights by deleting the account after they have failed to respond!!! I AM TIRED OF DEALING WITH THIS AND HAVE COMPLAINED COUNTLESS TIMES TO THE FTC AS WELL!!!! NO ONE IS LISTENING TO ME!! I HAVE ANXIETY AND I AM GOING CRAZY BECAUSE NO ONE IS HELPING ME!!! THIS IS AFFECTING MY HEALTH AND MY ABILITY TO LIVE MY LIFE PROPERLY!!!!! THIS IS THE ONLY THING AFFECTING MY CREDIT REPORT!!! ITS ONLY ON ONE BUREAU AND THEY ARE IN VIOLATION OF MY RIGHTS!!!!! I DONT KNOW WHO ELSE TO TALK TO AT THIS POINT BECAUSE EVERYTHING IS USELESS!!!!!! I NEED THIS DELETED FROM MY CREDIT REPORT IMMEDAITELY!!!
Consumer complaint received 2020-08-10
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2020-09-04
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. 
Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2020-09-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of Kansas, Inc. (MO)

I was resident of XXXX, XXXX  for 7 years and always paid my city bills ( water, sewer, etc ) on time. During this COVID pandemic I moved to XXXX  and closed all my service accounts. I faced the XXXX   XXXX challenges and the XXXX XXXX department filed a derogatory claim on my credit file for {$120.00} dollars which as soon as I found out I paid it. They couldn't reach me because I was unavailable due to the XXXX and I couldn't pay before. I found it very unfair to post this type of claims that damage my credit reputation just because of one small balance, even when I paid always on time and the account was closed before moving to XXXX  and now the balance is paid, I need this claim to be removed from my credit report.
Consumer complaint received 2020-09-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WINN LAW GROUP, APC (CA)

I contacted the Winn Law Group to get information on a collections account that is being handled by them. They told me they could not give me any information because I was being represented by an attorney. I told them that was no longer the case, they asked that I send that in writing. I sent that in writing as requested, then I call back and they tell me they still cant give me I formation because the letter doesnt state that Im validating the account ( which they never asked me to do that in the first place ) I call back and ask why I wasnt told that because i could of easily done that the fist time. Once again I sent what they requested, another letter that stated I wasnt being represented by an attorney and that I am validating the account. I call back thinking Im going to get information finally and Im told they still cant give me any information because the letter I sent doesnt state that I am not disputing the account. At this point I am very frustrated because again I wrote what they told me to and at no moment did they say I should write that. The letter I wrote clearly stated my name, social and that I understood the balance in the account and that I am ready to pay it off / negotiate. This company is a joke. Theyre employees are not efficient at all. I have been trying to pay this off for about a month now and I still cant get any information because now they dont pick up my calls.
Consumer complaint received 2020-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc. (TX)

I have a company that is trying to collect a debt that does not belong to me. 
I have repeatedly disputed this $ XXXXcollection with the collection agency TEK Collect ( based in Ohio ) and it was removed off one bureau but they refuse to remove the others. I have talkEd to the office manager XXXX at XXXX XXXX XXXX ( original creditor ) and they confirmed the existing financial agreement is not mine but they will still not remove. When I call TEK Collect to discuss my account they cant find it because its all someone elses number, name, etc Collection agency - TEK Collect XXXX XXXX XXXX ext XXXX Original Creditor - XXXX XXXX XXXX XXXX ( office manager ) XXXX I really need some help with this as soon as possible. We are trying to close on our new house in a few weeks.
Consumer complaint received 2020-09-04
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: CITIBANK, N.A. (FL)

XXXX and XX/XX/2020 The Hone Depot store and XXXX XXXX is reporting to my credit report and I called them explaining it wasn't me and why is it on my credit report
Consumer complaint received 2020-09-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NPAS, Inc. (MI)

XX/XX/XXXX - Received a voice mail from NPAS. Said that they were representing XXXX XXXX - XXXX XXXX. Told me to call XXXX XX/XX/XXXX - Call the above number. Spoke with someone named " XXXX. '' She looked up my record and said she didn't see an outstanding debt so no idea why I got a call. She gave me an account number and said she was noting in my record that the account was clear. Also told me to call the " Regional Office '' at XXXX. 

Called the above phone number and talked to " XXXX '' at a XXXX XXXX patient business office. The account number that NPAS gave me was the NPAS account number so XXXX looked up my account by name. She affirmed what I knew to be true -- I don't owe them any money. She made a note in the my file that I called and that my account was clear. 

XX/XX/XXXX - Received another voice mail from NPAS. 

XX/XX/XXXX - Returned the call ; input the account number I was given on XX/XX/XXXX and the other personal identifying info ( birthdate, last 4 of ssn ). Automated system said this account was no longer being serviced by them and that I should call the regional office. Gave me the same XXXX XXXX number I was given on XXXX. 

I feel like I'm in an endless loop.
Consumer complaint received 2020-09-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (TX)

Attempted to contact PNC by phone several times between XX/XX/XXXX and XX/XX/XXXX. Was not able to get through to a representative. Also, PNC stopped allowing communications through secure message due to their workload. I was attempting to close my account. 

On XX/XX/XXXX a monthly service charge of {$25.00} was assessed to the account. I have requested by phone on XX/XX/XXXX that the fee be reversed. The representative informed me that they could not reimburse the fee and could not transfer me to a supervisor.
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (OH)

On XX/XX/2020 at XXXX XXXX  I called Relicard Customer service to order a replacement card. The duration of this call from start to finish was 6 minutes and 58 seconds. The representative I spoke to gave me the option of priority shipping at the cost of {$15.00} that would be deducted from my card. I choose this option. The representative then advised me to callback Friday morning for a tracking number to track the shipping of my new card that will arrive on Friday. She explained it was important to callback for this tracking number, so I was aware of the time it would arrive since a signature was required upon arrival. 
XXXX XX/XX/2020 at XXXX XXXX  I was on hold for approximately 1 hour and 41 minutes. ( Total call duration was 1 hour and 49 minutes ) The representative I spoke to was at first unable to find my current account information. This representative was extremely unprofessional. After she was able to access my account information she advised my card would arrive in 7-10 business days. I then tried to explain what I was advised on XX/XX/XXXX, and tried to get an explanation to why priority shipping was not applied. She then repeated herself, very impatiently that the card would arrive in 7-10 business days. I then asked for the representatives name that I spoke to on XX/XX/XXXX. After a brief hold she advised there were only initials in the file, no name provided. This representative then repeated the time frame within the card will be received and asked if I had anymore questions. I said yes, can you see if the charge of {$15.00} was applied for the priority shipping. She then repeated again, the time frame in which the card will arrive was 7-10 bussiness days. At this point I am begging her not to hang up, as you can hear in the recorded call she wants to end this conversation. I wanted to speak to a supervisor at this time. The representative then hung up on me abruptly. I have never dealt with someone so unprofessional in a customer service department. I am extremely disappointed in the lack of service 's provided by both representatives. The representative on XX/XX/XXXX was very unhelpful, inpatient and just quite rude. I am considering opening another account with a different bank and receiving direct deposits for my unemployment, just to avoid dealing with a Relicard representatives again.
Consumer complaint received 2020-08-10
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. (OH)

This is the second request to remove unverified information from my credit report. I have unverified accounts. I had previously disputed this account. I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that the companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2019-10-21
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. (FL)

XXXX CREDIT BUREAU ' HAS REFUSE TO EXCEPT DOCUMENTATION FROM LOCAL LAW ENFORCEMENT AND FEDERAL TRADE COMMISSION TO HELP A IDENTITY THEFT VICTIM THAT HAS SUMMITED ALL ACCOUNTS THE PERSON HAS BEEN A VICTIM XXXX HAS NO COMPASSION FOR THE CONSUMERS THAT HAS BEEN VICTIMIZED BY CRIMINALS.