davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. EnclI kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.osed are the relevant documents supporting my assertion.
Consumer complaint received 2023-08-29
Product: Credit reporting 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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2018-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (CA)

We were in a chapterXXXX starting in XXXX. When BK started we were 30 days late with M & T Bank ( M & T ) ( act # XXXX mortgage ) the trustee was to put the payment in arrears, however after the BK was discharged we reviewed the BK with our attorney and were informed it was not paid he recommended we pay it ASAP so we did. We were never charged a late fee either. M & T was not reporting to the credit bureau 's ( I'm informed that it part of a chapter XXXX ) M & T started reporting to the credit bureau 's XX/XX/XXXX and started the report with a 30 day late. I have disputed the derogatory report to the credit bureaus through XXXX XXXX and have not yet received a response as to a decision ( 90 days since reporting ) M & T has acknowledged a dispute has been filed but representatives say they can not remove the report at their level. I am trying to refi this loan to go forward but can not due to their report. I would like the derogatory mark removed the loan is current and I pay it on the XXXX of every month when it is due on the first ( technically paid before due ). I believe they should not ding my credit for late when they did not even charge a late fee, that implies to me the chapter XXXX rules dictate they should not even be reporting. Please help!!!
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Real Time Group, Inc. (VA)

Company name is Real Time Resolutions. 

I paid this account through a settlement in XXXX of 2020. The account shows as closed but still reports as delinquent and the account missed payments will not age due to the way Real Time is reporting this as delinquent. I have reached out to them several times and filed at least 3 disputes. They have sent a letter to me which I will attach, however they still have not removed the delinquent status from my account. Please let me know if you can assist.
Consumer complaint received 2018-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (GA)

I recently checked my credit report on XX/XX/XXXX XXXX and saw a collection account on my credit that I never had. The collection is from Navy Federal Credit union for 2 different accounts the amount of the first account ( # XXXX ) is XXXX. The second account number is ( # XXXX ) .I sent out a certified letter to the company requesting documents proving this was my account such as anything I have sign with them along with a copy of my social and driver license to prove to me that I have in fact had this account. The letter was mailed out via USPS CERTIFIED MAIL on XX/XX/XXXX and it was received and signed for on XX/XX/XXXX. In the letter I asked the company to provide me with the requested information within 30 days but they have yet to do so.
Consumer complaint received 2020-08-26
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00}, {$440.00}, {$5800.00}, {$8200.00}, {$11000.00}, {$15000.00}, {$630.00}, {$3100.00}, {$9600.00}, {$32000.00}, {$3900.00}, {$720.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account.

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 


-- AUTO ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 11. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

12. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$720.00} -This is not my account.
Consumer complaint received 2018-04-01
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: Experian Information Solutions Inc. (AZ)

On or about XX/XX/XXXX, I requested an annual credit report from the 3 major credit reporting agencies, ( XXXX, Experian, XXXX XXXX ). Each one of them issued a report that is incomplete with many years of payment data missing on accounts that remain open and active.

The account information is as follows : XXXX  : XXXX 1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
Experian : XXXX  1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
XXXX XXXX : XXXX 1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
NOTE : The 1st and 2nd mortgage was sold or transferred from XXXX to the current mortgage holder known as XXXX XXXX XXXX, ( Currently doing business as XXXX XXXX ), in XX/XX/XXXX/XX/XX/XXXX. This mortgage company does not show up on any of the reporting data at all. 

I tried to file disputes with each one of the reporting agencies and was only successful with one, ( XXXX XXXX ), but they rejected my complaint with an attached comment that read, ( Our records show that the information you disputed does not currently appear on your XXXX credit report ). I already new that and I was specific that I was disputing the missing credit reporting information. The other companies made it as difficult as possible to submit a dispute by timing out the sessions before I was able to complete the information, asking for incredible amounts of information, forcing me to sign up for an account, etc. 

I also contacted my current mortgage company, ( XXXX XXXX ), informing them my 1st and 2nd mortgage payments made to their company are not showing up in any of the 3 major credit reporting agencies. They verbally told me that they have launched an internal investigation to correct this problem but it has been over 3 weeks now and I have not heard a word from anyone at the company as to the status of this supposed internal investigation. 

My wife and I are currently retired and living on a fixed income. This situation has placed an undue financial burden on us in the form of increased costs of home and automobile insurance premiums, preventing us from taking advantage of any refinancing and/or paying off of our high interest loans, being turned down for any type of credit due to lack of credit history reporting, etc.
Consumer complaint received 2022-08-11
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: TOYOTA MOTOR CREDIT CORPORATION (PA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}.
Consumer complaint received 2023-07-14
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: ENCORE CAPITAL GROUP INC. (NY)

The debt collection agency Midland Funding. Has has a negative collection account on my credit report for a few years that has a negative impact on my credit score and the account has been disputed several times on XXXX, XXXX, XXXX but it came back verified each time and the balance history is completely incorrect so it should have been removed long ago. Ill include the balance history which goes up $ XXXX each month and it increased almost {$400.00} in XXXX. 
Below is the name of this collection agency, account number, inaccuracies. Again this was verified by all 3 credit bureaus & Midland Funding several times so it should be automatically removed from my XXXX, XXXX XXXX XXXX XXXX credit reports immediately. Thank you for your help in this matter I hope its now taken care of. 
MIDLAND FUNDING Date opened XX/XX/XXXX XXXX $ XXXX stated {$1800.00} on my credit report. 
Account numberXXXX Account type XXXX XXXX Date XXXX Status- Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1800.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1800.00} Highest balance {$1800.00} Balance History Balance history- inaccurate XX/XX/XXXX, XX/XX/XXXX, XXXX added almost {$400.00} to balance, XX/XX/XXXX, & XX/XX/XXXX All inaccurate dates and information. 

XX/XX/XXXX {$1800.00} XXXX XXXX {$1800.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00}
Consumer complaint received 2023-03-16
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX Account name : XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (CA)

I asked Venmo to freeze my account with them as I was out of the country and couldn't readily access it, which they did on XX/XX/2022. I then asked them to unfreeze the account on XX/XX/2022, which they said they would look into within 6-7 business days. I sent a separate request for unfreezing my account on XX/XX/2022, finally getting a response on XX/XX/2022. I was asked to upload a picture of government issued ID, and a picture of me holding it. I uploaded a photo of my passport and selfies of me holding it on XX/XX/2022, which was rejected. I find it incredulous that a passport -- arguably one of the most secure forms of ID issued by state or federal government -- could be rejected. I have since sent a photo of my driver 's license, but this is just ridiculous, and arguably unsafe for me to keep transmitting photos of my IDs all in the name of keeping me safe.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.
Consumer complaint received 2022-08-11
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)

I have disputed the same collection account with all 3 bureaus several times. I have provided evidence that the information is incorrect. They continue to report a debt that is 6 years old as 2 years old. The debt has been sold several times from XX/XX/XXXX until XX/XX/XXXX. The amount of te debt haas changed 3 times it was {$580.00}, XXXX, and XXXX. The debt is not from a credit card company it is from XXXX. Therefore the amount should have remained the same being there is not any interest being charged. I have explained this to them and they continue to illegally report incorrect information. It seems no matter what debt collection agencies does the credit bureaus take their side right or wrong. They never take the side of the consumer. I refuse to allow them to report the same old debt for another 5 years. 
I have copies of my credit reports to verify that I am telling the truth. I also have a letter from the very first collection agency showing the original date of collection and collection amount. I submitted it to all of the credit bureaus and they totally ignored it when I disputed the debt XX/XX/XXXX and XX/XX/XXXX. 
I also contacted the debt collector XXXX XXXX XXXX asking for the validity of the debt from the original creditor XXXX and I have yet to hear or receive anything from them. 
I called in to speak to a customer service rep at XXXX and she disconnected the call very unprofessional.
Consumer complaint received 2018-04-02
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. (OH)

I was viewing the details of my credit report and I saw that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX had some inaccurate accounts on my file that I don't recognize. I was looking at the FDCPA, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, of this information.
Consumer complaint received 2021-12-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (WA)

Citibank offered XXXX bonus for XXXX new money deposit earlier this year ( XX/XX/XXXX ). I deposited the XXXX and never received my bonus. I chatted with them back in XXXX and they said I would get it after 90 days. It has been more than 6 months and no bonus. They continue to offer bonus offers but never paid out mine. This appears to be misleading terms. I would like to be paid the XXXX bonus I was offered. The company called me today, XX/XX/XXXX, to say they have no record of my bonus and will not be paying me but they have had the XXXX in net new money in their hands for more than 6 months.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (PA)

I have the chase slate card and have been trying to close it for several months but they keep adding interest charges, balance transfer fees, late payment fees. I feel so ripped off and helpless. I missed a few payment dates and it was my fault I forgot and paid the interest. I think they even waived them. My balance was around XXXX. I made a smaller payment and then a larger payment so I could get the balance to XXXX and close the account. That never happens. I keep making payments and they keep charging me, and its to the point where its back up to over {$600.00}. I Have not used this card in over a year. Ive called several times and never get help. I am transferred from person to person to then say theyll do this and that and get back to me. They never get back to me, or if they do and say there going to fix the problem it never happens. Then the process starts over by calling and transferring. Its not right that they can do this, and I am not looking to get something for nothing. I make good money and am responsible with my finances but this card has so many hidden fees its impossible to get away from it.
Consumer complaint received 2021-12-27
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. (MI)

Claim : 1. No statements received between XX/XX/2021 and XX/XX/2021 2. Believed was paying pursuant to my card agreement 3. No access to online statements because card was canceled 4. XXXX XXXX sent charge card account to XXXX XXXX XXXX XXXX, an outside collection agency, at an alleged forty- two ( 42 ) days past-due on or around XXXX XX/XX/2021 a ) acknowledged by XXXX XXXX in XXXX XXXX Letter in response to CFPB XXXX XXXX 5. Spoke with XXXX representative on XXXX XX/XX/2021 regarding not having received bill a ) acknowledged by XXXX XXXX in XXXX XXXX Letter in response to CFPB XXXX XXXX 6. XXXX filed a billing error notice with XXXX XXXX ( in writing ) on my behalf on XXXX XX/XX/2021 a ) XXXX XXXX acknowledges receipt of notice in XXXX XXXX Letter in response to CFPB XXXX 7. XXXX XXXX did not cease efforts to collect on disputed amount a ) acknowledged by XXXX XXXX in XXXX XXXX Letter in response to CFPB XXXX XXXX 8. Billing Error notice should have also triggered a direct dispute under 12 CFR XXXX 9. XXXX XXXX did not notify me of their findings a ) XXXX XXXX circumvented an investigation by having XXXX verify the current address Harm : 1. No effectuation of notice via periodic billing statements between dates identifeid in claim 1. 

2. XXXX XXXX did not investigate reasons for non-receipt of bills a ) acknowledged by XXXX XXXX in XXXX XXXX Letter in response to CFPB XXXX XXXX 3. XXXX XXXX continued to bill and report negative credit history to CRAs without an investigation into reasons for billing errors ( non-receipt ) a ) acknowledged by XXXX XXXX in XXXX XXXX Letter in response to CFPB XXXX XXXX
Consumer complaint received 2024-08-12
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: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX {$0.00}