davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-23
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. (GA)

I went look at my credit and there are still somethings on there that are not mine. I'm trying to get back in school and this is really holding me up. I saw on some billboard in my building from this attorney guy that you guys can help finally resolve this. Im doing this on my own behalf and I have contacted the police and FTC. XXXX/XXXX XXXX. XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX and there is another account as well that does not have a name. The account- # XXXX. There are also some inquiries that are not mine XXXX, XXXX and XXXX.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2021-02-14
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: CITIBANK, N.A. (MN)

Multiple unauthorized charges ( totaling about {$1500.00} ) were made to my Citi Double Points card for XXXX trips in XXXX XXXX when I was in XXXX where I live. I have never used XXXX. On XX/XX/XXXX I disputed the charges but they don't show up in their Dispute Center. I requested a replacement card only to have additional charges for XXXX show up on the account after the issuance of the replacement card number. I contacted Citi again using live chat. They assured me they would resolve the issue and issued a new card number. The charges appear on the second replacement card online statement. I again contacted Citi via chat to complain and they said that security was dealing with it and it wasn't a dispute - I don't understand. They still did not have listed in the dispute center - no reason for this. These invalid charges use up my credit limit.
Consumer complaint received 2019-06-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Constantly calls. Calling 1 or 2 times per day. I've asked several times to contact me via postal mail and to stop calling me on my phone. Just got a call at XXXX this morning. They need to stop calling me. The company is called portfolio recovery.
Consumer complaint received 2023-11-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to request the immediate correction of inaccurate information on my credit report, specifically pertaining to late payments on my account. I have recently spoken with a representative from the bank, and they have acknowledged the error and agreed to update their records upon receipt of a goodwill letter which was sent last XX/XX/23. 
The bank indicated that once a XXXX letter is submitted, they will take the necessary steps to update their records and correct the inaccuracies related to late payments on my account. The representative assured me that they are committed to rectifying this error promptly. 
I kindly request that you cooperate with the bank in this matter and promptly update the information on my credit report to reflect the corrected status of my account. 
XXXX XXXXXXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2019-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (WV)

A guarantee on a lease I signed, whose name is XXXX XXXX, used my personal information to sign up for a Discover Bank Credit Card. He ran up the charges to {$1100.00} and now XXXX XXXX owns the debt. They have recently reported the debt to the major credit bureaus and now my credit score has taken a bad hit.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MD)

My payments for Barclays ( Old Navy Navyist ) have been on autopay for the past several months. The payments are submitted/received every 4 weeks. I set this up after my credit line being switched over to Barclays and my due date being switched. I was not informed of the switch prior to it happening. This caused me to have two minimum payments due in one month. I called and spoke with a representative at that time who explained the switch up of due dates was because of the credit line being switched to a new lender. After adjusting my monthly payment due date to the XXXX of each month to line up with my autopay I left it alone. I confirmed that everything would be fine going forward. I have not had any issues with my autopay or payments being applied correctly until XX/XX/2023. Due to the fact that Barclays received my payment on XX/XX/2023, they are reporting that it was applied during my last billing cycle ( XX/XX/2023. They received my XXXX payment on XX/XX/2023 ), so there is another payment due on XX/XX/2023. I called and asked for explanation. They explained it was due to my billing cycle close date. I asked if the funds could be applied towards my XXXX balance due, for which it was intended. It was explained to me that there is nothing that they can do on their end because that is just how the system works. I asked who created /monitors the system because while it may run itself, there has to be some type of human interaction for when things go awry. They explained there is nothing more they can do for me, so I informed them that I needed to close the account and that I would be reporting their business tactics.
Consumer complaint received 2019-08-23
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. (IN)

I have wrote Experian many times XX/XX/2019 to XX/XX/2019 explaining that one of the accounts is not mine showed them documents proving that the account belongs to someone else I was an authorize user but no longer would like this removed but refused or ignored. 

Report Number : XXXX Account Name : XXXX XXXX Account XXXX Balance {$4000.00} This is their response : XXXX XXXX Not mine or No knowledge of account Submission Failedfailed icon You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you can upload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us at XXXX or contact the data furnisher of this information regarding your dispute.
Consumer complaint received 2019-08-23
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Williams & Fudge, Inc (NY)

I am TOTALLY and PERMANENTLY XXXX. SINCE 2016 XXXX has been trying to obtain Perkins Loan details from XXXX XXXX XXXX ( XXXX ) in order to write-off {$2400.00} from XXXX University. XXXX refuses to send the write-off info. I am receiving COLLECTION CALLS and EMAIL from XXXX and XXXX XXXX which is a collection agency connected with XXXX and XXXX. I need your assistance to get XXXX ( XXXX ) to email the necessary info to : XXXX XXXX
Consumer complaint received 2019-06-01
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: CITIBANK, N.A. (CA)

ON MY CREDIT REPORT THERE ARE FEW FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. THESE ACCOUNTS DON'T BELONG TO ME. THESE ACCOUNTS WERE OPENED WITHOUT MY CONSENT.
Consumer complaint received 2019-08-23
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. (GA)

I have tried on several occasions to have a dispute submitted in regards to being a victim of Identity theft. However, Transunion has constantly been non responsive to my efforts which is a direct violation of the fair credit reporting act, sect. 605b. I have been gravely displaced by this non action.
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NV)

I've talked with these companys several times over the past 20 years and becouse I am a full time RVer I travel alot and these companys just dont understand this and now I am having issues trying to get my veterin services through va becouse apperently these conpanys say I dont exist well I do exist just becouse I've never had credit or I move around alot dont mean I'm not alive I am a person that likes to travel and becouse of this I'm discriminated against by these companys this is wrong
Consumer complaint received 2019-08-23
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. (CT)

I received a second credit card from XXXX Bank. Upon receiving the card I filed it away. Several months later, I received an e-mail from XXXX XXXX XXXX which I subscribe to alerting me that a 60 day late was reported to my credit report. Upon investigating this I discover it was fees being charged on the new XXXX card which was never used. I then called XXXX and I was told the card was issued paperless billing and I never received an e-mail from XXXX which they acknowledged and I was credited back late fees. I have attached a copy of the recent statement which displays the credit. 

I then asked XXXX to removed the 60 day late since it hurt my credit rating. They told me their was nothing they could do and I would have to file disputed with the three bureaus. I began with XXXX since I have an account with them. I could barely understand the person I talked to. I then went to TransUnion and XXXX  websites which turned out to be traps to join their service before I could submit a dispute. 

I then called XXXX back and it was clear the person I was speaking to winance.
Consumer complaint received 2019-04-01
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. (NC)

Received attached letter back from Experian Dispute results against XXXX XXXX XXXX and original debtor " Just Military Loans ''. This account was included in Ch. XXXX Bankruptcy discharged in 2017. It is the only company that will not adhere to Federal Law and remove their negative mark on my credit. They continue to list the account as " Charge Off '' which is incorrect and untrue.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

1st most important, I paid off all creditors, copies were mailed to them and/or annual creditreport.com Now Experian has some sloppy cryptic blunders obviously illegal unacceptable, I called them 4 times today put on asinine holds, then some derelict pretends to be there dispute specialist puts me on hold with there robot to start over and/or aggravate me!!! Real incompetence, childish ineptitude!!! XXXX XXXX does NOT show that I paid them off!!!! Even worse more illegal is some derelict collection agency called XXXX made a illegal inquiry in my file, I was NOT informed what there excuse and/or real purpose other than to obviously harass me, conniving blunder to blemish my file!!! I don't care who these scumbags pretend to be, this is a 4 year old slumlord issue, I paid off some inapt collection agency hired by this slumlord, calling themselves XXXX XXXX from XXXX, CA. WHO exactly are these derelicts called XXXX? What exactly are these clowns doing in my file? Duplicated idiocy and harassment, illegal use abuse of my credit file?! # 2nd XXXX blunder is XXXX XXXX, I bought my truck with cashiers check paid in full, obviously they did NOT have my permission to make any clumsy inquiry, PLUS, I told them more than once to stay out of my file, NO real purpose, or excuse since I paid in full, now I have this cryptic clumsy inquiry, until XX/XX/2021, unacceptable, illegal, Even more idiotic is they got my wifes name in my account, unacceptable also, this is MY account not hers??? Then there is some sloppy blunder calling my land ladys house a transportation business, idiotic inaccurate also, my landlady/owner is a widow [ old ] cant drive anything?! #
Consumer complaint received 2019-06-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BB&T CORPORATION (VA)

The problem is I will talk to someone at Regional acceptance and made payment and they will continuously keep calling. They call me up until XXXX at night. I asked them not to call me after XXXX because I am in bed and they said they have a right to call me up until XXXX XXXX. After I told them that continuously called me until XXXX with several back to calls. This at XXXX they started again with at least four calls in a matter of 2 minutes. I told them XXXX said she was my account Representative and they refused to listen. They call me from different phone numbers. I am getting interest everyday I am at XXXX for two car payments regional acceptance charges interest daily.
Consumer complaint received 2019-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

On XX/XX/2019 I made a deposit at Bank of America and took XXXX back. The check I deposited was a Bank of America check my mom had written me. The next day I checked my account and they placed a hold on the check. I called the bank they said they could not help me or release the hold. This caused my sons daycare to be returned and additional fees. My mother also called the bank because they had taken the funds from her account and told her they could still hold the check from my account. I could understand if it was a check from another bank but it was their check they cleared it and would not release the hold so I could make my accounts current. Now I have incurred more fees.
Consumer complaint received 2019-06-01
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: JPMORGAN CHASE & CO. (CO)

My Chase Visa card XXXX had a fraudulent charge of {$190.00} from XXXX XXXX XXXX on XXXX-2019. I reported it to Chase and Chase falsely claimed to investigate the charge but refused to correct it. I paid the balance due and Chase closed the account. The merchant later corrected the fraudulent charge and credited the {$190.00} to my closed Visa account. The closed account now has a credit balance but Chase has not refunded the credit balance to me.
Consumer complaint received 2019-04-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: MicroBilt / PRBC (formerly CL Verify) (CA)

I have NO idea who these conniving derelicts are at microbuilt, 1st most obvious, I do not owe any scumbag slumlord money, I lost in XXXX, ca court room by a corrupt biased XXXX judge, this slumlord had 12 active code violations when he got a manipulator and filed a retaliatory eviction, 4 years later this scumbag hired these derelicts to harass and scam my bank account? These conniving derelicts never had my permission for any intrusive inquiry into my credit file, really enraging is how idiotic XXXX  is with this cryptic con game, NOW XXXX  has put me on long wait times and idiotic phone games
Consumer complaint received 2019-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

I received a bill on XX/XX/2019 for the amount of XXXX cents from a debt collection company called " Convergent Outsourcing, INC. '' I am not aware of any charges that I owe. XXXX states the creditor is " XXXX XXXX '' I tried calling the company to dispute this, but it asked me to enter the last XXXX digits of my social security. I hung up because it sounded sketchy.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (RI)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2019-04-01
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: Castle Credit Co Holdings, LLC, Chicago, IL Branch (CA)

On XXXX XXXX I made contact with XXXX XXXX XXXX XXXX XXXX and spoke with Rep over a pre-recorded phone conversation and I respectfully why my Tradeline of Castle credit account # XXXX is not been reported with XXXX and XXXX  as of XX/XX/XXXX till Present. 
Rep stated that Manager has to look into it and I need to provide a credit report. 
All Castle Credit has to do is communicate with XXXX and XXXX  and add my Tradeline with them. 
Castle Credit Trade Line is only showing on XXXX Credit Report.. 

I have been making timely payments of {$40.00} a month from XX/XX/XXXX till Present. 

There is a Derogatory Remarks of 30-40-60-90 days that needs to be remove as this credit trade line was reaffirmed in Federal Court on XX/XX/XXXX Bankruptcy chapter XXXX and Bankruptcy was discharged on XX/XX/XXXX with XXXX, Texas Federal Judge. 
I am respectfully XXXX  and XXXX Lifetime and a XXXX XXXX XXXX Military Veteran.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX  XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$4300.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc. (MD)

I purchased a visa gift card on XX/XX/2020. I found a fraud transaction that took away all of the balance ( {$500.00} ) and contacted the gift card bank right away. I email them ALL the required materials on XX/XX/2020 but after 20 days I only received a reply that they didn't receive all the materials .... I don't understand why all the files were included in the email but they said they didn't receive them. What kind of efficiency is this?
Consumer complaint received 2021-02-08
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: PNC Bank N.A. (KS)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, PNC BANK add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
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.