davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am disputing the " key factors '' on all of my credit reports. I requested a copy of my credit report after I got denied for credit. My actual credit report is fine, all the companies/agencies have reported my information correctly. My problem is with the actual credit bureaus themselves. They have what they call key factors and these key factors are wrong. For instance XXXX of the key factors state " the date that you opened your oldest account is too recent ''. I do not know what they consider recent, but I am XXXX XXXX XXXX and I bought my first house when I was XXXX. So to me XXXX years is not recent. Or another key factor states " your largest credit limit on open bankcard or revolving accounts is too low ''. I dont even know what that means. I called XXXX today and spoke with XXXX and he could not even explain what that means to me. I dont understand these Key factors. I have an XXXX credit score, but I have XXXX negative key factors that are coming from the credit reporting agencies themselves, not any creditor. I want these key factors removed from my credit reports. I was denied credit because of the key factors and I have worked too hard for too many years to get perfect credit for the actual credit bureaus to ruin the work I have done. Thank you XXXX XXXX
Consumer complaint received 2018-08-06
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: EQUIFAX, INC. (TN)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX ),  XXXX XXXX XXXX Account Number : XXXX ( XXXX, Equifax, XXXX   ), XXXX  XXXX XXXX XXXX /XXXX XXXX XXXX TN Account Number : XXXX ( XXXX  , Equifax , XXXX ), XXXX  Account Number : XXXX ( XXXX , XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX , Equifax , XXXX ), XXXX XXXX Account Number : XXXX ( Equifax ), XXXX XXXX XXXX Account Number : XXXX ( XXXX , Equifax ), XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX , Equifax , XXXX XXXX ).
Consumer complaint received 2023-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

please remove these inquiries from my credit report ASAP XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX - XX/XX/2023 These Inquiries are not authorized
Consumer complaint received 2018-08-06
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. (TN)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX XXXX XXXX Account Number : XXXX ( Transunion ),  XXXX XXXX XXXX Account Number : XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX XXXX XXXX /XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX  , XXXX  , Transunion ), XXXX Account Number : XXXX ( XXXX  , Transunion ), XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX , XXXX , Transunion ), XXXX XXXX Account Number : XXXX ( XXXX ), XXXX XXXX XXXX  Account Number : XXXX ( XXXX , XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX  , XXXX  , Trans union ).
Consumer complaint received 2018-08-06
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. (OH)

I was looking over my report and I seen some company that I do not recognize XXXX XXXX, XXXX XXXX. I have never done business with company and I demand to see any and all documentation to make sure I am not being confused with someone else. 
I would like these account blocked FCRA 605B ( 15 U.S.C. 1681c-2 ) from my credit report asap. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit  reporting agencies in connection with accounts.
Consumer complaint received 2023-06-03
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. (IN)

I am being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2024-01-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Westcreek Financial (CA)

I am writing to dispute a recorded late payment of XXXX cents on my credit report. Despite being a customer for 8 months, I have never been late in dealing with your company. I have thoroughly reviewed my debit Prescription card statements and records, and all payments were made on time within the designated grace period as per my credit card agreement. I have also paid the late fee and made an early payment for the next month to prevent future late payments. I have proof of payment and the company has agreed to reverse the late payment. 

I kindly request that you investigate this matter and correct my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account details are as follows : Creditor Name : [ West Creek Financial dba Koalafi ] Account Number : [ XXXX ] Date of Late Payment : [ XX/XX/ ] for XXXX cents I request a thorough investigation, taking into consideration the provided information and proof of payment. Please confirm receipt of this dispute letter and provide an estimated timeframe for your investigation. I also request written notification of the investigation results and any actions taken to rectify the inaccurate reporting on my credit report. 

The inaccurate reporting of a late payment has negatively impacted my creditworthiness and financial standing. I trust that you will promptly address this issue and ensure that my credit report reflects accurate and up-to-date information. 

Thank you for your attention to this dispute. I anticipate a swift resolution and the correction of my credit report. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2024-03-18
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. (CA)

Credit institution have taken multiple hard inquiry. 
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
Consumer complaint received 2023-05-15
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: CBC Companies, Inc. (NV)

These companies are selling buying and reporting my information with consent which is violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required XXXX notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
Consumer complaint received 2023-04-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I bank with Citizens bank in XXXX XXXX Michigan. On XX/XX/2023 I noticed 9 {$100.00} transactions and 1 {$50.00} transaction. None of which were made by me. I immediately called the bank to report it and have not heard anything or even got a claim number. I called today XX/XX/2023 to see what was going on with it. They had a claim on file for me for that date for $ XXXX which makes no sense. I was only reporting {$950.00}. Anyway even though I'm dealing with identity theft I just noticed right before calling and notifying the bank. The bank is claiming it wasn't fraudulent and won't refund it. This is all part of identity theft issues I'm trying to take care of and notified the government of. It makes no sense how they are refusing to refund these transactions. Everything I claimed they know is due to identity theft. I had to file another, hopefully final claim for payments due to a loan being taken out in my name. With all this other stuff going on with identity theft I'm still finding and learning about currently. They give me no other problems with the unauthorized activity I noticed prior to or after filing this claim and had no problems. Yet the one claim that took the most money out of my account and hurt me the most they are refusing to refund and it's outrageous.
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (FL)

On or about XX/XX/XXXX, I opened a bank account with Simple and funded it. Upon information and belief, BBVA Compass had acquired Simple ( formerly " XXXX '' ) at that time and Simple was operated as a subsidiary. Further, upon information and belief, on or about XX/XX/XXXX, Simple was purchased by PNC Bank. ( See XXXX XXXX XXXX  ). At that time, I had bank funds in excess of {$1.00} and potentially up to {$20.00}. 

On Monday, XX/XX/XXXX, I contacted PNC Bank to request a withdrawal and to close my account. I was informed by a PNC Bank " Consultant '' ( Read : Customer Service Representative ) that they could not locate my account. 

Accordingly, I am left to believe that PNC Bank embezzled the funds within my account by virtue of them losing my account.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MN)

I currently have a personal statement, fraud alert and extended fraud alert listed and showing on my Experian and XXXX credit report. I want the personal statement, fraud alert and extended fraud alert deleted and removed from my Experian and XXXX credit report.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-11-19
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. (PA)

Fraudulent charges were made to the following accounts. The statue allows for multiple reinvestigation. 

Account name XXXX  XXXX XXXX XXXX XXXX Account number Last XXXX XXXX The following inquiries are fraudulent. 

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
Consumer complaint received 2018-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was looking over my report and I seen some company that I do not recognize XXXX XXXX, XXXX XXXX. I have never done business with company and I demand to see any and all documentation to make sure I am not being confused with someone else. 
I would like these account blocked FCRA 605B ( 15 U.S.C. 1681c-2 ) from my credit report asap. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with accounts.
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosedcopies of the Federal Trade Commission 's Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

It appears that my 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 & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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
Consumer complaint received 2023-07-13
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)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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
Consumer complaint received 2023-10-10
Product: Credit reporting 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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Equifax did not finish Updating my Payment History to PAANL as requested, Prior to Closing my dispute. Equifax is also reporting other inaccurate information on my consumer report, such as balances on closed accounts, inaccurate dates, negative remarks ... Late payments should not be on credit reports. Another violation on my consumer report are Late Payments- 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Definitions ; Rules of Construction. 2 : Exclusions. Transactions are not included in the consumer report/ consumer file. Delete these Late Payments and Update my Payment History to PAANL. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and 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. 15 U.S.C 1666b States that a creditor may not treat a payment on a credit card account under n open-end consumer credit plan as late for any purpose. Also, Equifax has violated 15 U.S.C. 1666 ( b ) ( 4 ) Billing errors : States that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. It is also against the law for Equifax to make any consumer report containing any adverse item of information XXXX 15 U.S.C. 1681c ( a ) ( 5 ). Finish Deleting these Late Payments and Updating my Payment History to PAANL status.
Consumer complaint received 2018-08-05
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (VA)

My name is XXXX XXXX and I contacted Navient approximately 2 years ago and requested to only contact me by mail or email. I asked them to remove my home and work number and any other numbers they have affiliated with me. I did not want to be contacted by any other means. In turn, I've paid the required payment every month. I have not received any phone calls to my home. However, on Sunday, when I arrived at my church, XXXX XXXX XXXX, I was approached by the church secretary and was told Navient has left several messages for XXXX XXXX to contact them immediately. She stated there were messages on the voice mail from XX/XX/2018 to XX/XX/2018 and calls were also answered by an associate at the church on XX/XX/2018. Other than attending the church, I've never worked at the church and I've never received or made any personal calls from the church. I did not even know the church telephone number until I inquired about it to file this complaint. They have violated and consistently disregarded the Telephone Consumer Protection Act although I've made numerous request to only contact me by mail or through email.

I reviewed my online account and in my profile, it list my phone number as ( XXXX ) XXXX. This is the number to the church. I have never provided this number to them and it is on file that I do not receive any phone calls. I've had the same home number for more than 20 years and the same cell number for 18 years.
Consumer complaint received 2023-07-06
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IN)

Shows on my credit score I owe money. I do not owe money to this company, I do not know about this debt. I keep getting harassed with phone calls. I want the harassing to stop and all negative remarks on my credit score from this company to go away, or Ill take them to court for harassment.
Consumer complaint received 2024-03-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Experian Information Solutions Inc. (NV)

SOME TIME AGO, I CLOSED MY XXXX XXXX XXXX ACCOUNT, BECAUSE THEY SENT ME A LETTER THAT IT WAS ALMOST TIME TO PAY THEIS ANNUAL FEE UNLESS I CLOSED THE ACCOUNT. I WENT AHEAD AND CALLED AND CLOSED IT, BECAUSE I DONT USE IT, SO IT HAS A XXXX BALANCE. IT IS STILL SHOWING AS OPEN ACCOUNT, AND I WOULD LIKE TO SEE IN SAY CLOSED AT CUSTOMERS REQUEST. BY XXXX XXXX
Consumer complaint received 2023-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Outsourcing, Inc. (MD)

A notice of cease and desist, as well as certified proof of contract was sent to Receivables Outsourcing , LLC on XXXX XXXX. However, they refuse to respond. Instead, they continue to harass and contact me every day a couple of times a day, since the date listed on the notification letter.
Consumer complaint received 2024-01-04
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. (CA)

I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX : {$250.00}.