davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are multiple accounts on my credit report that are not mine I dont know how they appeared on my credit report and why they are still there since XX/XX/XXXX and the bureaus are not responding back or answering back to me. I need these off my creit report. 

XXXX XXXX - Acct # XXXX Amt $ - XXXX  XXXX XXXX XXXX - Acct # XXXX Amt {$9700.00} XXXX XXXX XXXX  - Acct # XXXX Amt {$0.00} XXXX XXXX - Acct # XXXX Amt {$0.00} INQUIRIES XXXX XXXX XXXX  XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX  XXXX  - Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2021-04-07
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: DISCOVER BANK (CA)

I am soliciting your assistance to put an end to Discover credit card 's illegal and unfair credit reporting practices as they are impacting me directly : There was an erroneous charge to my Discover credit card. My balance was {$0.00} at the time of the charge and I had no balance due. I was not made aware of the charged item until I received notice that My FICO had dropped nearly XXXX points as a result of a negative reporting from Discover. Because I had no balance due, as with most of my credit cards, I never stopped my busy life to review what should have been a {$0.00} balance monthly statement. 
Discover maintained they could not remove the late until the vendor acknowledged and corrected their mistake. 
Subsequently, the vendor acknowledged their mistake and reversed the charge. 
I followed up with Discover only then to be told by supervisor, ( insert name here ), they would reverse the late fee, but not the reported late payment to the Credit Bureaus that was destroying my credit. They maintained that the erroneous charge is not their fault, so they are not compelled to correct the record. 
Because of Discover 's purposed negligence and FALSE REPORTING, my current refinance is costing me thousands of dollars more. 
Please advise me on how to recoup my financial losses, current and projected, caused by Discover 's False Reporting. 
Please advise me on all of my legal remedies to force Discover to correct the record. 
Please advise me on all of my legal remedies to force the credit bureaus to remove the negative item from my reports without adding a dispute to my record even with Discover not currently following the law. 

Most appreciatively, XXXX XXXX
Consumer complaint received 2021-04-07
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. (NY)

I attempted ( online ) to get my annual credit report from Equifax a few months ago. I got an automated message that, for some ( to me unknown ) reason I could not get the report online and that I would have to send my request to a physical Equifax address with information and documents. 

I also found out that my record with Equifax was among millions stolen in breach of Equifax as previously reported. 

On XX/XX/2021, I sent a letter of request ( see attached copy with most identifying info deleted and without copy of accompanying documents ) to the following Equifax address ( with certificate of mailing ) : Equifax Disclosure Department, XXXX. XXXX XXXX, XXXX, GA XXXX. 

In that letter I asked for : 1 ) Annual credit report from Equifax ( only ) and 2 ) To be informed of exact information about my data that was stolen from Equifax. 

More than 2 months laater, I still have not heard from Equifax. 

Is that company still in existence or have they ceased to exist ( which would be most appropriate, given their terrible record )?
Consumer complaint received 2021-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (KY)

on XX/XX/2021 I called First Progress to settle an outstanding credit card bill. I was told that if I paid the bill in full and not settle that they would agree to remove the account in its entirety. Well the account has not been removed at all from my account. I have called on several occasions and the customer service reps are no help at all and refuse to transfer me to a supervisor
Consumer complaint received 2022-02-15
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)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2021-04-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had mailed a letter to Transunion back in XX/XX/2021 regarding fraudulent reporting on behalf of XXXX XXXX regarding payment dates on a closed Collection account which is still affecting me negatively. I called in to Transunion to check on the status to make sure they received letter about XXXX weeks later and went and filed a dispute over the phone with one of their representatives. It has been over 30 days and this has not been removed from my Credit Report nor has it been updated yet.
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (PA)

www.coinbase.com coinbase ran an advertisement on the XXXX XXXX promising {$50.00} in XXXX for making an account around XX/XX/2020. There was no star or fine print but when you clicked on the ad and made and account you never got the money. Their customer service said I was not entitled to the money in the advertisement because I didn't verify my personal information even though the ad did not put stipulations on the money. After months of waiting and emailing them they never said how someone would get paid the {$50.00} just that they were not paying it out.
Consumer complaint received 2021-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Dear CFPB, I'm asking for help in the matter regarding Portfolio Recovery Associates, XXXX Account XXXX. 

I have no idea what this debt is and have asked Portfolio Recovery Associates several times for validation and proof they have a legal right to collect this alleged debt. They have not provided any signed agreements with my social security number stating that I open this account or any documentation proving that this is a legal debt that is owed by me. 

This is damaging my credit and is causing XXXX XXXX and XXXX. 

Please help remedy this situation immediately.
Consumer complaint received 2022-10-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (RI)

XX/XX/XXXX I paid my annual excise tax to the town of XXXX via Kia Motor Finance Co for my leased XXXX Kia XXXX in the amount of {$180.00} for XXXX. 
XX/XX/XXXX I leased a new XXXX Kia XXXX. I traded in my XXXX Kia and transferred my plates to the new car. 
XX/XX/XXXX I contacted Kia to request a refund of the tax paid, as I paid the tax for the year on a car that I held onto for 11 days. Kia agreed an abatement was due and they, as title holder, would contact the town of XXXX XXXX XXXX XXXX XXXX to filed for an abatement. 
XX/XX/XXXX I contacted the XXXX XXXX XXXX XXXX XXXX to check if Kia had filed for an abatement. They confirmed that Kia had not done so. 
XX/XX/XXXX I contacted Kia again, not having received my refund, nor an update on the status of this refund. I was told by Kia customer service that I would need to mail a copy of my current MA registration for the XXXX Kia. 
XX/XX/XXXX I sent to Kia 's property tax department, via certified USPS mail a copy of my registration as well as a letter which included my account number, vin, etc. 
XX/XX/XXXX I contacted Kia for a status update on the abatement. They were unable to provide me an update but stated that they would have a representative reach out to me within a couple days. 
XX/XX/XXXX I received a call from XXXX XXXX in the escalations department. She stated that Kia did not receive my registration ( which again was sent certified mail ). XXXX XXXX agreed to email me after our call and that I could rely to her email and attach a copy of my registration and I did so. I can provide a copy of this correspondence if needed. 
XX/XX/XXXX I contacted Kia to request a timeline for when I might receive the abatement. I spoke with XXXX in escalations and was told that they had no copy of my registration received ( by either USPS or email ) and that only a fax of my registration would be accepted. 
XX/XX/XXXX I filed a complaint with the Massachusetts AG office ( I have not heard back as of XX/XX/XXXX ). 
XX/XX/XXXX I filed a complaint with the consumer financial protection bureau ( CFPB ). Kia responded to the complaint stating that they filed a request with the XXXX XXXX XXXX XXXX XXXX The CFPB then considered the complaint closed. This is untrue. XXXX tax office has NO record of any filing by Kia. 
XX/XX/XXXX I contacted Kia for a status update. I spoke with XXXX from customer service who was unable to provide an update. I requested a call back from someone who could provide an update. 
XX/XX/XXXX I contacted the XXXX tax collector 's office and spoke with XXXX. She confirmed, with certainty, that no request for an abatement had been filed from Kia.
Consumer complaint received 2021-04-07
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: EQUIFAX, INC. (MN)

XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Equifax Mortgage Ser Inquiry from XX/XX/XXXX XXXXl XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX The inquiries listed above were obtained without my knowledge or consent. I am requesting XXXX remove them from my credit report immediately. Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report.

These inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of this. 

My contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX
Consumer complaint received 2023-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (AZ)

On XX/XX/XXXX I recieved an alert from my bank 's credit monitoring that a delinquent account was added to my credit profile, Upon reviewing the information I did not recognize the company and called immediately. After talking to company I realized that my identity was stolen and used to obtain utility services from XXXX XXXX til XX/XX/XXXX.
Consumer complaint received 2022-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AZ)

in XX/XX/2022 the utility company XXXX XXXX XXXX XXXX XXXX XXXX TX, send me to collection for a bill of {$130.00} that was not paid. 
I never lived at that address and I never open this account. I contacted them about this charge and they acknowledge that was not mine. 

I disputed this with all 3 Credit Companies and all of them already removed this from my credit file. But this late payment keep showing up on my XXXX Credit report.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

In XX/XX/XXXX, I asked XXXX to consolidate my student loans into one loan to facilitate my payments and account monitoring. They started the consolidation process immediately and advised me to not post any payment to any of the loans during that process so that the final number will be accurate. It took them 3 months to complete the consolidation. In early XX/XX/XXXX i was informed that the loans were consolidated into a single loan that I start paying as agreed and which is current to this date. To my surprise, XXXX sent to the credits bureau in the same month of XX/XX/XXXX that iI was 90 late on two of the account they consolidated. I had five loans and did not make a single payment to any of the loans during the consolidation as i was advised to do, I do not understand why they reported the accounts late nor why only two of the five accounts. As consequence to their reporting of two account 90 days late, my credit score plummeted from low 700 hundred to low 500 on all 3 credit bureaus. I went back and forth with XXXX the whole year XXXX and was not successful having that error corrected. I XX/XX/XXXX, I refinance the loan with XXXX XXXX and was told by XXXX that the new servicer will not report the late payment. Despite showing XXXX accounts closed on my credit report, the two 90 days late payment are still showing on my credit report, keeping my credit score low and more importantly preventing me from having access to any type of loan. Due to the COVID-19 pandemic, my income decreased and I wanted to move my family to a cheaper house but I am unable to secure a lease nor a mortgage with that negative mark on my credit.

I will also mention that those two late payment are the only ones reported on my credit. I have always managed to maintain my payment current. 
I need help to have XXXX corrects the error on my credit report. 
thank you.
Consumer complaint received 2021-04-07
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. (GA)

In XX/XX/XXXX, I asked XXXX to consolidate my student loans into one loan to facilitate my payments and account monitoring. They started the consolidation process immediately and advised me to not post any payment to any of the loans during that process so that the final number will be accurate. It took them 3 months to complete the consolidation. In early XX/XX/XXXX i was informed that the loans were consolidated into a single loan that I start paying as agreed and which is current to this date. To my surprise, XXXX sent to the credits bureau in the same month of XX/XX/XXXX that iI was 90 late on two of the account they consolidated. I had five loans and did not make a single payment to any of the loans during the consolidation as i was advised to do, I do not understand why they reported the accounts late nor why only two of the five accounts. As consequence to their reporting of two account 90 days late, my credit score plummeted from low 700 hundred to low 500 on all 3 credit bureaus. I went back and forth with XXXX the whole year XXXX and was not successful having that error corrected. I XX/XX/XXXX, I refinance the loan with XXXX XXXX and was told by XXXX that the new servicer will not report the late payment. Despite showing XXXX accounts closed on my credit report, the two 90 days late payment are still showing on my credit report, keeping my credit score low and more importantly preventing me from having access to any type of loan. Due to the COVID-19 pandemic, my income decreased and I wanted to move my family to a cheaper house but I am unable to secure a lease nor a mortgage with that negative mark on my credit. 
I will also mention that those two late payment are the only ones reported on my credit. I have always managed to maintain my payment current. 
I need help to have XXXX corrects the error on my credit report. 
thank you.
Consumer complaint received 2022-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (MI)

On XXXX XX/XX/2022, I was contact by United Collection Bureau , inc . They left a message indicating they were a debt collection agency attempting to collect a debt. I am not aware of any debts so i called them back. I provided my name and phone number to somebody named " XXXX, '' and asked what this was about. XXXX then began asking me for personally identifiable information ( date of birth, Social Security Numbers, Address, etc ). I refused to disclose any of this information. I explained that I do not know who they are or why they are calling and will not provide sensitive information to somebody I do not know. They thanked me and wished me a nice day. I then called back and requested to speak with a supervisor. The supervise, " XXXX  '' asked for the same info. I again refused and asked what the call was about. He refused to provide any information. I find this incredibly suspicious.
Consumer complaint received 2021-04-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (MI)

Comenity Bank XXXX XXXX has been harassing my family and constantly calling my mom and son. They even told my mom they are going to contact my job and garnish me which is none of their business. They have been calling them daily for the past 6 months and refuse to close the account and stop the balance from rising. I tried to work out a deal and was told as long as I pay the agreed monthly balance it wont rise. It went up anyway
Consumer complaint received 2021-04-07
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. (IL)

To who this letter my concern my name is XXXX XXXX I have contacted XXXX XXXX and Equifax LLC credit bureaus both mail and by phone after I applied for a mortgage XXXX and discovered inquiries on my credit report that did not belong and never seen before after sending 609 letter to validate I have not received any answers. This matter is urgent. These are the only items that should be accurately reporting below!! All other inquiries need to be removed immediately! 


These lenders have accessed your credit file : USDA-FSA Federal Government Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX I Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX I Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-04-07
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: Southwest Credit Systems, L.P. (TX)

These accounts has been sold or transferred and I am no longer liable for this alleged debt. My consumer rights under FCRA AND FDCPA has been violated as well as my privacy under the HIPAA law.
Consumer complaint received 2024-09-26
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)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.
Consumer complaint received 2020-11-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Freedom Mortgage Company (TN)

Refinanced home mortage with XXXX XXXX. That loan was closed and finalized on XX/XX/XXXX. Freedom Mortgage continues to state that I did not make payment on my loan in XX/XX/2020, as well shows a late payment for XX/XX/2020. The loan was paid in full on XX/XX/XXXX via the new refinance loan. Freedom has reported to all credit agencies that I am currently delinquent on my loan payments when in fact they still owe me overpayment.