davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-19
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. (SC)

South Carolina Bankruptcy Court Docket # XXXX I have a Bankruptcy on my Credit report that does not belong to me already in dispute. I have contacted Transunion several times about this account on my credit report and the sourceXXXX that gave them the report about this public record. I'm am including a document clearly stating that XXXX have deleted this Public record because it was not mine. please remove this Bankruptcy asap from my TransUnion credit report or legal action will be enforced.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (VA)

Macys occurred in XX/XX/XXXX. The previous month and the month after showing {$0.00} balances. But XX/XX/XXXX showing 30 days behind in payment. When I speak to Billing in Macys they also say it is odd that it is just XXXX  30 days behind and not paid in full, until XXXX? 

Then in XX/XX/XXXX again it shows XXXX, I paid the previous month in full. XXXX showing a {$0.00} balance, I asked billing when was the payment made? He could not tell me the exact date in XXXX? Huh? But it was for the full amount due? He stated I pay my entire balance, but it does show they dropped my credit limit from {$15000.00} to {$300.00}. Why? He did not know why? But I asked to speak with a supervisor. I did not care about my credit limit, but I did care about the passed due amount as we were still in XXXX and they were showing a {$0.00} amount due in XXXX, and 30 days pass due for XXXX? He could not explain it. He got a three way with two supervisors and they could not explain it. Said they would contact all 3 Credit Bureaus right away. I have been trying to get it removed ever since. Calling both XXXX who state they have contacted the Credit Bureaus and it is the Credit Bureaus who are not removing the negative report. Not XXXX. I have sent in a Dispute every month ever since. 

I find it strange both negative reports are in the month of XXXX. I refuse to use both cards now. I stopped using both cards. Or I pay the credit card bill as soon as I have shopped at XXXX prior to receiving the statement. If I didnt know better I would say someone works at the credit Bureau who knows me and is able to mess with my credit and make my payments late. Knows I have caught on and knows I am making payments prior to the due dates and can not change my payments. This is just cruel and I know it is illegal. 

Any investigation you can do I would be grateful. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2023-04-27
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: Experian Information Solutions Inc. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Owed : {$10000.00}
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

XXXX occurred in XX/XX/XXXX. The previous month and the month after showing {$0.00} balances. But XX/XX/XXXX showing 30 days behind in payment. When I speak to Billing in XXXX they also say it is odd that it is just XXXX 30 days behind and not paid in full, until XXXX? 

Then in XX/XX/XXXX again it shows XXXX, I paid the previous month in full. XXXX showing a {$0.00} balance, I asked billing when was the payment made? He could not tell me the exact date in XXXX? Huh? But it was for the full amount due? He stated I pay my entire balance, but it does show they dropped my credit limit from {$15000.00} to {$300.00}. Why? He did not know why? But I asked to speak with a supervisor. I did not care about my credit limit, but I did care about the passed due amount as we were still in XXXX and they were showing a {$0.00} amount due in XXXX, and 30 days pass due for XXXX? He could not explain it. He got a three way with two supervisors and they could not explain it. Said they would contact all 3 Credit Bureaus right away. I have been trying to get it removed ever since. Calling both XXXX who state they have contacted the Credit Bureaus and it is the Credit Bureaus who are not removing the negative report. Not XXXX. I have sent in a Dispute every month ever since. 

I find it strange both negative reports are in the month of XXXX. I refuse to use both cards now. I stopped using both cards. Or I pay the credit card bill as soon as I have shopped at XXXX prior to receiving the statement. If I didnt know better I would say someone works at the credit Bureau who knows me and is able to mess with my credit and make my payments late. Knows I have caught on and knows I am making payments prior to the due dates and can not change my payments. This is just cruel and I know it is illegal. 

Any investigation you can do I would be grateful. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX 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 2023-08-09
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I notify XXXX about the inaccurate balance and payment history reporting wrong on my consumer credit report. The XXXX customer service verify that my account I was dispute are investigations .I have sent out several letters prior before calling them serval time .This matter is very frustrating and also damaging my credit report. They're four credit card account that is reporting late payments which was never late and is pay off / good standing account.
Consumer complaint received 2023-09-20
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2023 I opened a XXXX credit card to use for my car expenses, XXXX  had a promotion with synchrony bank offering a {$100.00} visa gift card when opening a card to use for repairs. 
I made XXXX attempts to pay the card off in the following weeks but was told by phone it was too early to make a payment. When the billing statement arrived in the mail I made another attempt to pay off the card from my checking account... but I kept receiving notifications that the payment was rejected. I called my bank and they explained I was using the wrong routing number. I immediately corrected the problem and made a payment in full several weeks before the due date. I was notified by synchrony bank that my account had been closed due to DISHONORED payments. I called to explain the situation and was told they sent this info to my credit report and I no longer qualify for the promotion of {$100.00} gift card. 
They said there's nothing else they can do even though I made the full payment weeks before the due date. Now I have a mark on my credit report and no gift card for a simple mistake of entering the wrong numbers into the phone. This is unfair and I have excellent credit... ..this was an excuse by synchrony bank to hurt my credit and keep their gift card!
Consumer complaint received 2024-01-25
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. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-12-03
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. (MS)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$2900.00} XXXX  XXXX Balance : {$32000.00} XXXX XXXX Balance : {$33000.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXXXXXX Balance : {$5300.00}
Consumer complaint received 2023-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to express my deep frustration and concern regarding the repeated attempts I have made to have a charge-off account removed from my credit report. Despite my persistent efforts, this charge-off account continues to negatively impact my creditworthiness. I am writing this letter to bring this matter to your attention and request an immediate resolution. 
I am fully aware of the importance of accurate credit reporting and how it affects my ability to access financial services and opportunities. The continued presence of this incorrect charge-off account on my credit report has caused significant financial harm, making it challenging for me to secure credit, loans, and other financial transactions. 

I kindly request that your bureau takes immediate and thorough action to investigate and remove the inaccurate charge-off account mentioned below from my credit report. Furthermore, I urge you to provide me with a written explanation detailing the steps taken to correct this inaccuracy, along with a timeline for its removal. Clarity regarding this process is crucial for me to understand when the issue will be resolved. 

Should this charge-off account persist on my credit report without corrective action, I may have no choice but to explore legal remedies available under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. Please assist me to removed this charge off account : XXXX XXXX XXXX XXXX Balance : {XXXX}.
Consumer complaint received 2024-05-21
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: EQUIFAX, INC. (NY)

I am writing to file a formal complaint against XXXX regarding their handling of a dispute I filed concerning inaccuracies on my credit report. Despite providing comprehensive evidence to support my claim, XXXX has failed to conduct a proper investigation and rectify the errors in my credit file.I 'm not satisfied with the results of my investigation. I would like to know exactly how you went about investigating the accounts that I questioned. Please furnish the names of the individuals who stated that the information was verified along with any supporting documentation received to justify the accounts still reporting on my credit report. Again here are the accounts in question below. 

XXXX XXXX : Account number : XXXX, I have never had any business relationship with this company. Therefore, it's impossible for this account to belong to me. Please delete this account from my credit report. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : XXXX, I have no recollection of authorizing this credit pull. I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX | XX/XX/2023 : Account number : XXXX I have no recollection of authorizing this credit pull. I want it removed from my credit report IMMEDIATELY! 

Please send me my full credit report along with what I have requested. If you are unable to complete what is requested. I am asking you to delete these accounts from my credit report and abide by my request.
Consumer complaint received 2024-08-30
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: EQUIFAX, INC. (WI)

I have provided my photo ID along with the other required documents. 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED. ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Miller and Steeno, P.C. (TN)

Miller and Steeno, P.C & XXXX XXXX XXXX your uncooperation is unacceptable and you are not above any law. You can't even answer me point by point. Everything you have said about me is all hearsay and I won't tolerate the harassment you have continued to show towards me. As I explained in the previous complaints I am not scared of you, and I will face you cowards head-on. I might add this is the most unprofessional law firm or " debt collectors '' whatever you call yourselves. Your client XXXX XXXX XXXX has many claims against them and many cases where they have lost because of the violations they have made. Not to mention Miller and Steeno , P.C . and its entities have lost many cases and is no stranger in violating the FDCPA. One example is Robin v. Miller & Steeno, P.C. I will make myself clear Miller and Stenno, P.C. you have violated the FDCPA, CFR, and ABA rules. Just so you remember I will quote a harrasing false and misleading statement you made about me on public record " XXXX XXXX is merely attempting to engage the CFPB in an effort to avoid paying his debts. '' So let me tell you what you have violated here 12 CFR 1006.14 ( a ) ,15 U.S. Code 1692e,15 U.S. Code 1692d, and ABA Rule 7.1 ( 4 ). Not only that you have committed defamation. Again to make myself clear I will take further action to protect my rights if my demands are not met. In the event that you resort to legal action, know this : I will demand thorough information during the discovery process. I will pursue this matter relentlessly, fighting to the ends of the earth to protect my rights. I demand that you close this account within your offices, I demand to see XXXX XXXX XXXX 's XXXX BAR License Number and XXXX XXXXXXXX XXXX license, I demand that you cease all collection activity, and stop any further harassment. Failure to comply will hold you responsible for the violations you have committed, and I will not hesitate to seek legal counsel to protect my rights. You will not extract a XXXX XXXXXXXX from me, especially over an alleged debt I do not owe.
Consumer complaint received 2018-05-09
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. (CA)

XXXX XXXX reported to Experian that I am 90 days past due on XX/XX/XXXX. This can not be true because I applied for a forbearance due to a hardship to cover me. It covered XXXX, XXXX, XXXX and XX/XX/XXXX. For some odd reason, XXXX is past due. The forbearance should have covered me for XX/XX/XXXX. I filed a dispute online with Experian on XX/XX/XXXX. On XX/XX/XXXX, the updated information doesn't show the 90 days past due information deleted from my credit report.
Consumer complaint received 2023-04-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (CA)

I acquired a service for my home in XXXX ( XX/XX/XXXX ). The work order form noted what service we received and that it would be {$7900.00}. I was informed that the loan would be facilitated through the Castle Credit Finance company who would send a letter that would go into more detail of what the loan entailed, the payment process, account number, etc. In XXXX, I called the company, inquiring on my account since I never received a packet, any letter, or email regarding my loan. And given that the work order noted my first payment was in XXXX  months, I wanted to check. 
Discussing with a representative named XXXX, from XXXXastle Credit, I learned what my account number was and that they had written my XXXX # incorrectly. I was assured that I would receive the packet. I never did, nor an email. In addition, and most importantly, XXXX assured me that the payment was not due until XX/XX/XXXX. I was dubious and asked for clarification, particularly if it meant " no interest being accrued. '' She confirmed that XX/XX/XXXX was due date and no interest would be charged. 
I received a letter on XX/XX/XXXX notifying of my new balance ( {$8100.00} ) and was bewildered but also annoyed. Why is it going up if I was informed, by a member of the company, that no interest would be accrued until after the due date passes? I wasn't pass due and I have had no fees. Since I never got a welcome letter, I was not informed in writing how the interest was determined. Their online account bears none of that information. No documents or terms and conditions. 
Castle Credit prefers complaints to be written in writing. After no response for 2 days and noticing that my balance is going up, I called the company ( XX/XX/XXXX around XXXX ). I spoke with XXXX and expressed my frustrations. I felt patronized as he informed me of " how loans work '', even though I had emphasized that a member of their company misinformed me and that the company failed to be transparent about their process. He said he can't do anything, I have to just pay the monthly. Further demonstrating to me that he isn't listening to me-I can pay the entire balance but waited with the impression that it was not due until XX/XX/XXXX. This company needs to be held accountable-particularly with being sure that there workers are not misinforming clients with information that can have financial repercussions ( but of course it benefits the company ) and also with clearly providing documentation to clients ( whether it is online or through the mail ). As I mentioned, I only ever received a work order and XXXX summary of my account which I read and noted how interest is accrued. But this letter came in XXXX and I had an account with the company since XXXX.
Consumer complaint received 2024-05-21
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: EQUIFAX, INC. (PA)

I am writing to follow up on my previous communications regarding the unverified negative account on my credit report associated with XXXX XXXX XXXX XXXX ( Account No : XXXX ). Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation of the accuracy of this item.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX