davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-25
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. (FL)

Ive sent numerous 605b and FTC reports to XXXX  XXXX  and Experian. All 3 companies have ignored my letters. I also requested updated credit report be sent via us mail. Upon checking my credit in mid XX/XX/2021. I discovered Fraudulent Accounts on my report. 
The following fraudulent accounts are 1.XXXX XXXX {$500.00} Ive never done business with this company or entered into a signed contract with this company. This is a fraudulent account 2. XXXX, XXXX XXXX XXXX XXXX {$270.00} Ive never done business with this company or entered into a signed contract with this company. This account is fraudulent!! 
3. XXXX XXXX XXXX is also a fraudulent account! 

XXXX XXXX ( isnt my name XXXX Ive never used it that way please see ftc report/ 605b all attached
Consumer complaint received 2023-05-15
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. (CA)

I rarely use my credit. A few months ago i opened my credit report and saw many accounts that where not mine. I called the creditors directly. A few verified that my social security number didnt match what they have on file. So why is this on my credit. I contacted the bureaus. They asked me to file a police report, which i did. The accounts are still on my credit report.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, On XX/XX/2021 I sent over certified letters to all three credit bureaus Transunion, XXXX  and XXXX  in regards to incorrect information reporting to my credit report. Ive also sent over to them demand of comply letters and the companies have not complied to their own policies in a timely matter.
Consumer complaint received 2020-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On various occasion I have initiated a dispute with the credit bureau Equifax regarding some unverified accounts on my credit report. The credit bureau has failed to complete the investigation and furnish me with the results of that investigation. 

I have provided all the necessary documents to the credit bureau for them to accurately dispute the listed accounts. I am now demanding that they comply with my initial dispute letter. 

The only correspondence I keep receiving from the original creditors listed on my credit report is that they can not find an account listed under my name and I am asking that they remove the accounts that can not be verified.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

They continuously harass me via letters and phone calls. I had disputed the debt they claim I owed. They never responded within 30 days so therefore it was removed from my credit report 30 days after the 30 days so 60 days until they responded. XXXX  has removed this account from my credit report but XXXX  and XXXX  refuse knowing that they missed the deadline of 30 days to respond I had told XXXX  and XXXX  to remove it because that is the law but they refused. I have done everything in my power remove and dispute but I am being unfairly treated they are slandering my credit and my name not to mention harassing me through the mail and via phone. The claimed debt is well over 6 years old.
Consumer complaint received 2021-06-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Delivery Financial Services, LLC (AZ)

I received a bill nearly 7 years ago for medical debt they couldnt prove I owed, sold to a collections agency and damaged my credit. Then this month put it back on my credit and further damaged my credit score. 
They have never provided proof they own the debt, or that I actually owe this debt. The company was Delivery Financial Services.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (SC)

Sun trust bank credit card is showing account open until of XX/XX/XXXX, and the last payment was made in XX/XX/XXXX because when I went into bank in XXXX to try and make a payment they wanted a {$980.00} minimum payment to make it current, so no payment was made on this account since XX/XX/XXXX or before, this account is 7 years and 3 months since any activity and I would like this removed off of my credit report
Consumer complaint received 2021-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Upgrade, Inc. (CA)

I opened a credit card with the company Upgrade ( upgrade.com ), and found out that they opened an account without my permission with XXXX XXXX XXXX XXXX in XXXX California I've called XXXX XXXX XXXX XXXX and they have told me twice that I can't close the account without Upgrade letting me know that credit card is closed. 

I've attempted to contact Upgrade multiple times and finally got through to a representative who said he was closing my account yesterday XX/XX/21. Today ( XX/XX/21 ) I received an email that said the account is still open but because of my credit I can't use it. 

I do not see how it is legal to open an account at a credit union using my personal financial information without my permission. Both Upgrade and XXXX XXXX will not close my accounts, after I have asked both of them to do so. 

I would like both the XXXX XXXX and Upgrade account closed. I do not trust Upgrade after they provided my financial information to a credit union without my knowledge.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (FL)

Name : XXXX XXXX XXXX SS # XXXX DOB : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : I recently pulled a copy of my credit reports and noticed the following creditors and information are in errors : Inquires the FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 
Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor : ONEMAIN Date : XX/XX/XXXX Creditor : ONEMAIN Date : XX/XX/XXXX Creditor : XXXX  XXXX  Please remove these inquiries from my credit report accordingly. 
Sincerely,
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (OH)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Windham Professionals, Inc. (OR)

I received a text message from Windham Pros with a link to download a statement from them. When I clicked on the statement it said I owed another debt collection agency {$530.00}. I called the company informing them that I had already paid the debt back in XXXX of XXXX 

I was previously laid off and had amassed some credit card debt and paid it all off with some inheritance in XXXX of XXXX. I expressely remember paying this debt because I had to do it on my lunch break because they close at XXXX pst. 

The debt collector threatened me and said the burden of proof was on me to verify that I paid. They've refused to contact the former debt holder and are now harassing me.
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX was stolen and hacked with Discover credit card loaded to XXXX wallet XXXX Late Morning : Authorized user ( mother ) notified of declined purchase at XXXX. Immediately called Discover to report fraud and file dispute. 
XX/XX/XXXX : Notified dispute was not accepted despite taking immediate action against fraud and called Discover support to which they justified their investigation through verification of card payment through phone number of stolen phone. Reappeal process has been filed but want to let CFPB know that Discover is trying to hold me liable for unauthorized fraudulent transactions
Consumer complaint received 2021-07-07
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AmerAssist A/R Solutions, Inc. (NY)

On XXXX XXXX I sent my first letter to AmerAssist trying to resolve an issue of an alleged debt. Since than they've committed 37 individual actions that they're now civilly liable for. I have written them multiple letters now with not a single response regarding the debt they owe. It has been more than 30 days and I the consumer have no choice but to assume the debt belongs to AmerAssist since they have yet to respond to the multiple invoices sent. Pursuant to 15 USC 1681n they are civilly liable.
Consumer complaint received 2024-03-22
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. (OH)

So fast forwarding to today ( XX/XX/XXXX ) these 3 ILLEGAL accounts still remain on my XXXX, TransUnion, and XXXX bureaus. Not only are these accounts ILLEGAL, they have the nerve to keep reporting failed payments as of XX/XX/XXXX which keeps DRASTICALLY dropping my credit score. This is beyond illegal. Please remove these items off my credit report. I will not stop disputing! For someone to keep opening and reclosing and account on your credit bureau that is FRAUDULENT does a LOT of damage to your score. Please remove these items ASAP. The opening and reopening of fraudulent accounts, with added remarks is ridiculous. I am STILL going through a NIGHTMARE after these FRAUDULENT accounts were opened in my name and the creditor feels they can reopen anytime when its FRAUDULENT! They are reporting to my bureaus as LATE PAYMENTS on XX/XX/XXXX FOR THESE ACCOUNTS that were illegally opened without consent and the re-opening and closing of these accounts WITH UPDATING INFORMATION SAYING THAT PAYMENT IS LATE AS OF XX/XX/XXXX WHEN FOR THE LAST 120 DAYS I'VE DISPUTED AND TOLD YOU THESE ACCOUNTS ARE FRAUDLENT!!!! THE LAST 4 MONTHS I KEEP GOING THROUGH A NIGHTMARE. SHOULD NOT BE ABLE TO KEEP DOING THIS TO A CONSUMERS REPORT! ITS LIKE THEY DONT CARE. PLEASE REMOVE THESE ITEMS!! 

XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, XXXX
Consumer complaint received 2021-07-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (TX)

On XX/XX/2021, I received a notification via my credit monitoring app, myFICO, in regards to an account owed to XXXX XXXX XXXX being collected by Debt Recovery Solutions. It appears the account was placed with them on XX/XX/2021. I have not received the initial dunning letter required by FDCPA notifying me of my rights to dispute. I have not received any phone calls regarding this debt either. These are unfair, deceptive and abusive practice as I was not given the opportunity to resolve the issue in a timely matter. I do not recall this account and have no knowledge of what is owed. As far as I can tell is that this is fraud since I have not done business with XXXX XXXX XXXX in years and everything was paid for. I do not have any account number and when I tried reaching out to this company by phone I was directed to their messaging system as no one was answering. I am asking that this trademark be removed from my credit or I will have to pursue other avenues in getting this issue resolved.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft CITIZENS BANK Account Number : XXXX This is not mine. 

3. XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2021-06-25
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. (NY)

Remove all accounts in XXXX business days according to 15 USC 1681c2. Ive disputed that these accounts were not mine and yet, you continue to state another person can validate debt for me, the consumer! According to disputes per Congress, an investigation MUST BE PERFORMED! According to 15 USC 1681 a-e, it states you HAVE to do interviews with my family, associates and neighbors. In order for a consumer to have a witness, they would have to witness the signing of the contract, or contact the neighbors. You nor these collection agencies did that and did not provide documentation proof. You did not provide any information interviewing nor did I receive anything in the mail. I was not given written notice in advance to dispute BEFORE you VOLUNTARY posted false information on me. This is multiple violations! Delete and provide compensation for each violation for credit bureaus reported to without notifying me of the alleged debt in writing and giving me, the consumer rights to respond. I did not give you permission to report any information on me. Therefore, I demand EXPERIAN to remove ALL accounts and I demand compensation for each violation!
Consumer complaint received 2021-06-25
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: Exeter Finance, LLC. (AZ)

XX/XX/2021 I called Exeter Finance and spoke with XXXX with badge # XXXX. I spoke with her about an account and credit inquiry not found in there company database. I asked for an explanation on how the credit inquiry was placed and she could not verify any information with me, but tried to obtain all my personal information to place on file. I asked to dispute the inquiry and to receive a full copy of contract bearing my signature as required by law, but she stated there was no information nor account with my information. XXXX credit report states otherwise.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2023-02-20
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. (GA)

The CFPB has decreed that medical collections under {$500.00} are to be removed from consumer reports. Transunion has not followed the CFPB 's instruction and are violating my consumer rights. 

XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Alleged Balance : {$380.00}
Consumer complaint received 2021-06-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (FL)

I am disputing a collection account showing on my credit report from NCB Management Services , Inc in the amount of {$7000.00}, originally from XXXX XXXX XXXX XXXX, which I do not believe I owe this amount. I have disputed this account directly with NCB and the credit reporting agencies, and even hired a company to assist me with no result. They were informed of my dispute and that I was requesting a copy of the Explanation of Calculation of Surplus or deficiency as proof of the amount they claimed I owed, since I never got a copy from XXXX. NCB continues to report this account on my credit reports and this information is affecting my credit rating and ability to obtain credit, This situation have also created a lot of emotional stress. I am requesting your assistance in enforcing this company to comply with my request or delete their trade line from my credit reports. Thank you in advance for your assistance.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Im disputing the XXXX police XXXX XXXX XXXX account in the amount of {$820.00} the account was closed and charged off on XX/XX/XXXX of XXXX. But reports late payments through XXXX which is incorrect and needs to be corrected to charge off status or removed. This is a definite violation of the FCRA and I have disputed multiple times. Why has this not been addressed?
Consumer complaint received 2021-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (UT)

Recently I submitted applications for a Citi XXXX, and a Citi XXXX XXXX XXXX cards. According to a representitive that I spoke with, I should submit new applications, since I could not reopen these accounts. 
In two separate letters, I was informed that both applications were denied. In both letters, there was one single reason : Too many applications submitted.

I have only submitted two applications, the two XXXX XXXX cards. 

It would've been nice if Citi had cited how many applications were acceptable, I could've saved a hard inquiry. Maybe showing me a pop-up window informing me that I have reached the acceptable number of applications. 



I would also like to reopen my Citi  XXXX XXXX card, however, I do not know the number on the card to present, because the card was destroyed.
Consumer complaint received 2021-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

All information is contained in the attached XXXX page document outlining my experience and grievance regarding Fifth Third Bank , National Association. 

The goal of submitting my grievance is to focus a spotlight on the questionable business practices, customer treatment, and employee treatment executed by Fifth Third Bank , National Association.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-06-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$600.00} I got scammed thinking I was purchasing a puppy. When I called the bank on XX/XX/XXXX after finding out it was a scam, the bank ( XXXX/Zelle ) they refused to stop or refund the money. I was told there was nothing they could do. I have contacted an individual at the address provided by the scammer and she told me her identity was stolen two weeks before when she fell for the same scam. I have also contacted my XXXX to file a claim for possible identity theft, but I have not received any help from them either as of today.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (TN)

I am trying to get a mortgage loan through XXXXXXXX XXXX XXXX The underwriter came back and said that they see XXXX student loans on my report XXXX being Fedloan and the other being XXXX. The Fedloan one is showing a balance of {$33000.00} and closed only on my XXXX credit bureau. Which made the underwriter include XXXX student loans in my XXXX when I only have XXXX student loan servicer and that's XXXX. FedLoan is no longer in business and transferred my loan to XXXX. I tried to dispute this with XXXX previously and they did nothing and I just recently on XX/XX/year> submitted another one as well. This is making my availability to afford a higher loan lowered when it shouldn't because it is inaccurate information.
Consumer complaint received 2023-02-12
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. (GA)

XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy