davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-15
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. (UT)

Disputed on or around these dates to both XXXX, Experian, XXXX XX/XX/2022 {$130.00} XXXX, XXXX, 2022, {$69.00} XX/XX/2022 {$310.00} XXXX XXXX XXXX With proof of bank statements and statement of how I already paid a couple of these, and showed my was health insurance was billed and paid for all or/if not all. It was removed from only one of the credit bureaus XXXX, but not accepted for removal of the other two credit bureaus. I also have XXXX hard inquiries on XXXX, and Experian as of XX/XX/XXXX, XXXX, But not on XXXX XXXX Which I do not know where or why they are on my reports.
Consumer complaint received 2024-10-02
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: Bread Financial Holdings, Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX  per violation and clearly they violated my rights.
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX/ {$0.00} / XX/XX/2021
Consumer complaint received 2022-04-15
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: Experian Information Solutions Inc. (FL)

On XXXX of XXXX, I was advised by an attorney I consulted that there had been a loading error when account was transferred to XXXX from XXXX. This I was given incorrect information by XXXX. The attorney also stated that although it was their fault and they incorrectly reported to the credit bureau as late, I had to pay the installment I was told by XXXX not XXXX pay on XXXX of XXXX. The negative reporting began on XXXX of XXXX, when the lender reversed the credited amount. As a result I made the missing installment on XXXX of XXXX. Its only fair that the negative reporting is reversed as the error was on the lenders part.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

This the XXXX report filed since XXXX. I mailed a certified letter asking experian to not include addresses with the exception of what's on my driver 's license. I also asked them to remove names that i do not go by in real life because my personal information has been stolen. The updated report below shows that it hasn't been removed. The information contained within my report is inaccurate. FCRA states that i have a right to privacy and experian is in violation for refusal to remove.
Consumer complaint received 2022-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MD)

I.C.System Inc is a debt collector. As was the last two companies, this already paid debt to XXXX XXXX. What these companies are doing is passing along this false debt to the next company to see if they can collect. In the mean while, they put a negative strike on your credit report and after you've contacted XXXX XXXX, the debt collector and CFPB to get this removed. They pass this false claim onto the next debt collection company and the process begins over again. This has to be stopped, because it's not debt collection... it's a scam!!
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

Fifth Third bank terminated all of my accounts in XXXX of 2021. 

I had called in with a transaction dispute concerning my debit card connected to my checking account. I explained a merchant had charged my card without authorization. 

I received a call back a few hours after submitting the dispute. I was told that they could not give any information, that all my accounts were closed. 
I called back a little while later to let them know I contacted the merchant and they were going to refund the transaction. Who ever I spoke with then said something did not seem right, and that they would call me back later after checking into the situation. I missed that call, it was around XXXX in the evening. 
I had no access to my accounts for about 5 days. I had been a customer for over 20 years. I had savings accounts, checking accounts, business account, and credit card account. 
I also had a previous dispute with my credit card account. I received a provisional credit, but that was reversed and charged back to my account. I am still disputing this. The charge was for a XXXX XXXX channel that a company was building for me. I never did receive the channel. 
After they charged my account again, they lowered my credit limit. 

Now my credit score has lowered significantly. Credit utilization for the account shows over 160 %. 

Also, after closing my accounts, they allowed auto payments to continue, so my account ended up in the negative.
Consumer complaint received 2022-04-14
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: BARCLAYS BANK DELAWARE (CA)

XXXX ( XXXX ) Carnival Cruise line offered a trip for the family, 6 cabins totaling {$4200.00}, offer thru Carnival XXXX XXXX XXXX. ( ( Barclays Bank ). Trip scheduled for XX/XX/XXXX. 
Due to the Covid-19 Pandemic we were unable to travel, the fleet was canceled. 
Carnival offered a 100 % refund. We never went on any Carnival cruise, yet Barclays continued to charge the automatic payments that were setup. We wrote to Carnival, we wrote and called Barclays they did nothing and continue sending letters and phone calls. 
Finally Carnival did a partial refund, Barclays was not paid completely, now XXXX Barclays decided to send the balance to collection services, ( XXXX XXXX ). We never went on any Carnival Cruise, we offered to settle with Barclays, nothing was resolved. I would like to have remove my collection activity until this issue is settle. The XXXX score is affecting my loan status to purchase a home.
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX  XXXX XXXX XXXX / {$2000.00} / XX/XX/2022
Consumer complaint received 2022-04-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Amsher Collection Services, Inc. (NY)

Wrongfully reporting Debts on my credit report without any notification that the debt was even owed. No calls, No Emails or No Postal Mail. Not only that, The debt doesn't even belong to me.
Consumer complaint received 2022-04-14
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: SYNCHRONY FINANCIAL (FL)

I have several inquiries on my credit report that should be removed because I do not recognize the creditors and I did not apply to receive a loan, credit card, or anything else with them. I recently have gotten an overload of spammy emails and phone calls about loans, winning cash prizes, etc. I also have reported with my credit card companies fraudulent charges on my accounts and have since gotten all new account and card numbers. 

On my XXXX credit report there are 3 inquiries that need to be removed : - XXXX XXXX XX/XX/XXXX ( have called them and keep getting put on hold - nothing resolved ) -SYNCB XXXX XX/XX/XXXX ( have not heard back, nothing resolved ) -XXXX XXXX XX/XX/XXXX ( I only applied for 1 car lease directly through the dealership... this is not the dealership. I have no idea what this is and it definitely was not authorized. ) On my XXXX credit report the following inquiries are fraudulent and should be removed : XXXX XXXX XXXX XX/XX/XXXX ( I have a vehicle I lease already. I definitely did not apply for an auto loan. This is fraudulent. Have not heard back from them. ) -XXXX XXXX XX/XX/XXXX XXXX This is a used auto dealer. I leased a new XXXX. No idea what this is. Can't get ahold of them. ) Lastly, XXXX XXXX keeps charging me late payments on my student loans when I have an extension for several more months now, legally in accordance with a federal bill signed. I have explained this to them and have asked them to stop reporting the account late because it's illegal and I made it known that my account should reflect my promise to pay, and that the late payments are being unnecessarily and falsely reported. No response. They have terrible ratings on the XXXX for similar instances with other individuals. I would like a letter of deletion from them to the bureaus, but no luck so far.
Consumer complaint received 2022-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-15
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. (TX)

In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my report.

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last active is reported inaccurate as well.

This is ground for removal and they also violated my rights under 15 u.s.c 1681 section 602 A. i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2.it states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-15
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. (OR)

I had someone try to open credit in my name and that produced hard inquiries into my account. I flagged those as fraud with Equifax and with less than XXXX they said they were valid inquiries even with a fraud alert on my credit. The did no due diligence and said that the information will stay on my credit record even though they did no effort to contact me or to see that there were multiple hard inquiries in a short time frame ( which is not the normal for my XXXX credit score ).
Consumer complaint received 2022-04-15
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NV)

Within the last five years I have been a victim of ID theft to include mortgages that I didn't know existed and I seek guidance towards resolution with a tracking of property within the states of Nevada, Michigan, and, Arizona, and Tennessee and the XXXX of XXXX XXXX as well as XXXX and XXXX XXXX property with my name and dob and SS number to include only getting one stimulus check realized and three going to the ID thieves. In addition my entire on XXXX  of my name air personality job paychecks were stolen over that time period to include any unauthorized presumptive pay from the XXXX XXXX XXXX, and or XXXX XXXX XXXX and includes mail fraud as well. XXXX XXXX XXXXXXXX XXXX in XXXX NV, a surprise, az address denoting five deeded acres to me legally but with a mansion unauthorized that was built on top of said land acreage.Several properties were bought with my radio show pay only to have ID thieves forge my signature to steal the properties without my knowledge
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX AND EQUIFAX ARE REPORTING FRAUDULETN ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XX/XX/XXXX XXXX : XXXX -- -> : {$50000.00} XX/XX/XXXX XXXX XXXX -- XXXX : {$8100.00} XX/XX/XXXX XXXX -- -- XXXX : {$630.00} XX/XX/XXXX XXXX -- -- XXXX : {$6000.00} XX/XX/XXXX XXXX -- -- XXXX : {$920.00}XX/XX/XXXX XXXX -- -- XXXX : {$5500.00}XX/XX/XXXX XXXX -- -- XXXX : {$3000.00} XX/XX/XXXX XXXX -- XXXX XXXX : {$3000.00} XX/XX/XXXXXXXX -- -- XXXX XXXX {$6400.00}
Consumer complaint received 2022-04-14
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. (VA)

A random account from XXXX XXXX XXXX showed up on my credit report recently. I reached out to the furnisher to gain information on the account and they explained that an account was opened in my name in 2015. I did file a police report but since the account was originally opened in 2015 it seemed to be useless for my dispute. Other than the fraudulent claim, this account is still reporting illegally for several reasons. The credit bureaus response to my dispute was that the information was verified and updated. I did not receive any information as why this account is reporting without my consent, why the information is reporting as the account was re-aged, why the account is reporting if the date account opened is incorrect and could not be verified, the date of last delinquency could not be verified. My request to the credit bureau is that I do not receive an automated response as I would like an actual human to answer these questions as to why there is something legally reporting on my credit. I am in the process of buying a home and I have been delayed tremendously due to this which has caused me a higher interest rate on my home and an overall terrible experience.
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (FL)

This complaint is solely aimed at the unprofessional, disgusting practices of TD Bank. My wife 's accounts were suddenly put into XXXX and frozen because a collection attorney claimed that my wife owed around {$5000.00}. They created a garnishment summons out of thin air!! There was never any notification of a judgment, we were never served with any paperwork, never received any notification of an account going into the judgment and we still don't see this so called judgement on the credit report. Therefore we were caught off guard by this. Nonetheless what makes this even more insane is that when I contacted TD Bank they agreed that the paperwork submitted by the collection attorney was inaccurate and didn't seem right but there was nothing they can do about it. And what makes this even worse is that my tax return, in my name {$1400.00}, went into our joint account and they refuse to release it. Its my money! I don't know or understand why TD Bank is doing this when they even admitted that the attorneys submitted the wrong paperwork and that they also can not find the judgment. TD Bank refuses to put any of this in writing which makes it even more shady. I respectfully request CFPB gets involved in this incredibly unprofessional business practice at once. The people at TD bank from the XXXX department are XXXX and XXXX.
Consumer complaint received 2022-04-15
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: AES/PHEAA (IN)

US BKPT CT IL XXXX REF # XXXX and REF # XXXX REF # XXXX all bankruptcy were sent to the credit buerau for deletion.. All three credit bureau responded stated that the information was accurate. After contacting the bankruptcy court I received a letter stating that the court does NOT perform any activities with the credit bureau. Therefor the credit bureau remove all XXXX XXXX but then added one because of there illegal tacked in not performing the guidelines of the FCRA. At this time the bankruptcy are showing on my credit reports, which these creditors should be remove immediately. I have provided documentation of the deletion. 

FED LOAN SERV # XXXX Regarding these student loans account all account were deleted, even though you see deletion on the document. All three credit bureau refuse to remove all student loans that got deleted under the account number # XXXX. These account were consolidated paid off. Per the creditor they requested that the accounts were deleted as you can see. 

XXXX # XXXX as you can see bueraus are reporting this account open XX/XX/XXXX this account was open XX/XX/XXXX this account was fraud and you can see the account was deleted. This account is still showing on XXXX and XXXX the report information is wrong and also the creditor was deleted. I have enclosed the documents
Consumer complaint received 2022-04-14
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: EQUIFAX, INC. (NC)

I sent a request to Equifax Information Services on XX/XX/2022. To provide me with documentation that I entered agreement with XXXX XXXX XXXX or XXXX XXXX XXXX for the amount of {$1100.00}. They have not provided me with the verification of the original signed consumer contract within the 30 day time period. Therefore, since they can not provide verifiable proof of any contract in the amount {$1100.00}. I ask them to immediately delete and remove all collections from all 3 credit reports related to XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2022-04-13
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. (IN)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Pingora Holdings, LP (CA)

I just received this phon

y letter from " Pingora Loan Servicing '', which I have never heard of. I have never had a mortgage serviced by this company. I believe they are using this as a scare tactic for people who won't know any better, to get them to sign up for this " Identity Monitoring Service '' - which they probably don't need. This is misleading and false advertising, and they should be forced to stop this. I'm attaching a copy of the letter so you can see for yourselves.
Consumer complaint received 2022-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc. (OH)

I did not know about that collection account southwest recovery. I never receive any phone call or latter. This account is not one of my accounts that may be opened due to identity theft. So I would like to dispute both accounts from all of the credits bureau.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

THIS IS NOT A INVESTIGATION REQUEST OR SUPPRESSION OF THE ACCOUNT. THIS IS A DEMAND TO PERMANENTLY DELETE MY INFORMATION FROM YOUR RECORDS. 
On XX/XX/2022, I sent a letter notifying you I demand all my information be permanently deleted from both the verified and unverified portion of your business as I NEVER gave you written permission to furnish said information. Within thirty ( 30 ) days, I asked that you give me written notice of instructions. You are willfully noncompliant and according to FCRA ( Fair Credit Reporting Act ) are liable for federal violations conducted, should you fail to reply I will pursue legal counsel. 
TELETRACK has violated 15 U.S. Code 1681b ( 2 ) by furnishing these items on my consumer credit report WITHOUT MY WRITTEN INSTRUCTIONS OF I, THE NATURAL-BORN CONSUMER. I DEMAND REMOVAL/DELETION effective immediately and I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. PROVING I GAVE YOU WRITTEN PERMISSION TO FURNISH THESE. I ALSO DEMAND THE TELETRACK VERIFICATION METHOD. WITHOUT RECOURSE. I HAVE WRITTEN TO YOU TWICE, AND YOU FAILED TO REPLY CLOSING THE CLAIM FRAUDULENTLY, IF YOU DO SO AGAIN I WILL FILE LITIGATION.