davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-21
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: BARCLAYS BANK DELAWARE (MI)

Hello, I recently applied for credit and was denied due to a delinquency and now collection against an old credit card of mine. The credit card is BARCLAYS BANK DELAWARE. I went on XXXX XXXX and it shows they are saying my account is delinquent {$360.00}. I disputed the amount on the phone with them last week XX/XX/XXXX and they told me there is nothing I can do because they've sold the debt to a secondary debt collector and this issue is getting out of control and effecting my ability to get access to credit. Below is the timeline of events against my account with Barclay. 

Last Payment Made : ( PAID IN FULL ) XX/XX/XXXX At this time I put the card in a secure location and NEVER USED IT AGAIN Unaware to me a FRAUDULENT charge was Made : XX/XX/XXXX in the amount of {$3.00}. Barclay would not say how than my account got to {$360.00} but I am assuming they were continually charging my account late fees and interest. 
I WAS NEVER ONCE CONTACT BY MAIL, PHONE OR EMAIL notifying me Barclay Bank Delaware Closed my account : XX/XX/XXXX Again I was never contacted notifying me of this action taken I finally relieved there was a problem XX/XX/XXXX and immediately contacted Barclay first to understand what happened and second to report fraud on my account. The first represented told me about the {$3.00} charger back on XX/XX/XXXX but would not tell me how the account got to {$360.00}, I was than transfer to an account specialist who told me they sold the debt and that they could not speak with me or resolve the debt, I than requested to be transferred to their Fraud department and I was hung up on TWICE. Barclay customer support would not tell me the name of the debt collector and I am at a loss on how to resolve this. 

Please help. Thank you.
Consumer complaint received 2023-02-13
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. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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 2023-05-21
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: EQUIFAX, INC. (OH)

I HAVE PREVIOUSLY DISPUTED Account XXXX an alleged bankruptcy WITH YOU. AND IN RESPONSE. YOU VERIFIED THE ITEM AS ACCURATE, STATING THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. 
I CONTACTED THE COURT. AND THEIR RESPONSE IS ENCLOSED. 
IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER ; THEREFORE. YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE. 
EITHER WAY. THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ). AND THE INFORMATION MUST BE DELETED IMMEDIATELY.
Consumer complaint received 2023-05-20
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OH)

In the results of your first investigation, Equifax stated in writing that they verified that the item is being reported correctly? Who verified the account? 

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A )
Consumer complaint received 2022-09-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-06-20
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: LEXISNEXIS (TN)

On XX/XX/XXXX, I submitted a dispute for a chapter XXXX bankruptcy case # XXXX that is listed only on my XXXX credit report. On XX/XX/XXXX, XXXX replied to the dispute and advised that they received correspondence from LexisNexis, which is their vendor they use to verify bankruptcies, that it was certified as accurate. I was then advised that I would need to contact them to complete a method of verification in order to see how they were able to verify it. 
On XX/XX/XXXX, I contacted LexisNexis for a method of verification, and on XX/XX/XXXX, I received a letter of resolution that states since they were unable to verify the accuracy of the bankruptcy # XXXX, it was removed from my credit report. 

When I received this letter, I immediately uploaded the evidence that the bankruptcy was removed to their website XXXX. I was then advised that I needed to open another dispute with XXXX which I did. I have submitted numerous disputes, but the most recent was done on XX/XX/XXXX and on XX/XX/XXXX XXXX replied AGAIN and states that the bankruptcy was certified as accurate by LexisNexis. 

I contacted LexisNexis again on XX/XX/XXXX and they advised that there is no bankruptcy showing on any of my credit reports, and they do not understand why XXXX is saying this. They advised they would open a manual dispute again, but I advised this is not solving the problem and I would file a complaint. 

XXXX uses LexisNexis to verify bankruptcies that they add to your credit report, but would not honor the supporting evidence from the same company to have this bankruptcy removed. It is not fair that I have to suffer through this when I have done everything I can as a consumer. I have no other choice but to submit a complaint as there should be better communication between the two entities. 

This complaint is being submitted because when I call both companies, they both tell me to call the other party when it is their job to get this information removed immediately. I am filing this complaint in lieu of seeking legal representation. I want to get this matter resolved immediately, as this issue is having an enormous impact to my credit report. I have proved all of the necessary documents asked of me from XXXX, yet they are choosing not to do the rightful thing, and that is to remove this negative item. 
Attached you will find a copy of the resolution letter from LexisNexis dated XX/XX/XXXX that confirms they removed the bankruptcy, but XXXX is refusing to remove it.
Consumer complaint received 2017-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (AZ)

My issue is with NATIONAL CREDIT SYSTEM # XXXX who had posted many errors on my credit report. at on point the showed I owned over XXXX dollars on my credit report a few months later they changed it to over XXXX than a few months later {$1400.00} and few months later they put paid in full. I have disputed this account many times with the credit companies and national credit systems verified the account even with errors. I have request for validation of the account 3 times there failed to send it to me or they 1 time sent paid in full letter. So I requested any documention they have showing me that I paid from XXXX to the XXXX balance they show on my credit report which they will not have since me and my wife never paid XXXX on this account from {$1400.00} to XXXX they just made errors. A this point I want this account off my and my wife 's report since this account was verified and failed to follow the legal system.
Consumer complaint received 2021-06-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (IN)

I've been a victim of ID theft and have multiple accounts opened in my name. I've taken EXTREME precautions to get my life back. Currently, I've I have freezes on my SS #. 

This Debt was successfully disputed, removed & closed XX/XX/XXXX XXXX  XXXX SAME DEBT was purchased by a XXXX XXXX file # XXXX for {$5700.00} beginning XX/XX/XXXX then placed on my credit report AGAIN! This caused my score to drop 57 XXXX XXXX XXXX points which is ludicrous!!! 
To my understanding, it is illegal for third party debt collectors to place anything on a credit report. 

XXXX ( Whatever that stands for ) has not sent any formal letters to my address identifying who they are, what this debt us, or given me ANY personal details about the debt other than an amount and name of creditor. They know NOTHING about me at all!!! They use to robo-dialing that hangs up when you answer so you can't event talk to them!!! These are such unprofessional and unwanted business practices! 

I don't owe this debt. Please assist, Thanks!
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MD)

I previously disputed a creditor that was listed on my Experian report XXXX amount {$2500.00} acct # XXXX The Item was not removed it up updated. I also sent the same letter to XXXX and the creditor was removed. Attached is a report from XXXX stating that their investigation was complete and the Item was removed.
Consumer complaint received 2017-05-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: TMX Finance LLC (IL)

In  XXXX   XXXX  I look a title loan out on my  XXXX   XXXX   XXXX  from Title  Max  in  XXXX   XXXX , IL.   On  XXXX   XXXX ,  XXXX  I filed for Chapter  XXXX  Bankruptcy. My bankruptcy was discharged on  XXXX   XXXX ,  XXXX . The loan was  discharged through my bankruptcy, however, Title Max has refused to send my ti tle back.
Consumer complaint received 2017-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc. (MA)

The XXXX is selling fake consumer debt portfolios to collection agencies. The XXXX is collecting these monies to unjustly enrich its stakeholders and/or increase its stock value. 

The XXXX 's is an apartment complex for students at the University of XXXX. 

I never had a valid contract with the XXXX because I 1 ) failed to obtain a guarantor or 2 ) failed to paid XXXX ( XXXX ) times the month rent as a deposit. 1 or 2 were an essential condition of the application to rent ; the XXXX now claims was also a rental agreement. I did not meet the conditions of the application to rent, Therefore a contract does not exist. 

The XXXX sold a fake debt in my name to Southern Management System, XXXX XXXX XXXX XXXX, FL XXXX, ( XXXX ) XXXX. 

The XXXX did not take a particular dwelling off the market since The XXXX never received a completed lease agreement and any other required information or monies to rent that dwelling.. There is no original of the Lease Contract because it was never fully signed since I did not meet the essential conditions of the application to rent.
Consumer complaint received 2017-04-04
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: TENET HEALTHCARE CORPORATION (FL)

I saw on my credit report I had XXXX collection accounts. I called the Collection company to pay and they refused to allow me stating I didnt have the full account number. Due to me not having the full account number to pay, they stated they had every right to ruin my credit. This is extremely unfair as I am willing to pay and they will not allow me. 
I explained I never even received a bill, nor do I see it on my insurance information and they refuse to send me another bill thus making it more impossible to pay the account.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After over 120 days of sending TransUnion several dispute letters directly using USPS certified mail green receipt return. They continue to willfully ignore, not take any actions, and continue to furnish detrimental inaccurate negative accounts on my consumer report. I have attached the most recent dispute letter I sent them below just for CFPB records. TransUnion has been in receipt of this letter now for over 35 days and willfully has not taken any action as legally required. TransUnion continue violating multiple sections of the Fair Credit Reporting Act including 15 USC 1681i by failing to properly and legally investigate these erroneous accounts. With the help of the Federal Trade Commission and my State Attorney General, I will be enforcing for all damages I the consumer have incurred pursuant to 15 USC 1681o of the FCRA.
Consumer complaint received 2021-06-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (IL)

Money was wired in US Dollars ( XXXX ) to a Domiciliary account in XXXX on XX/XX/2021. The money was supposed to be paid to the recipient 's domiciliary account in US Dollars but Citi bank changed it to the XXXX local currency, Naira can not be paid into domiciliary account but dollars like I wanted. This caused a problem where the recipient was not able to receive the money. I decided to call Citi bank to recall the money on XX/XX/XXXX, which they did. Citi bank representative told me it might take up to five business days for the money to be posted back to my account. On XX/XX/XXXX, after 5 business days, I followed up by calling the bank and the representative confirmed the money is already with Citi bank but but short with almost {$400.00} because of exchange rate. She went further to say the left over will be posted to my account but will take another 3-5 business days to post it to my account. I waited for that but and the money was still not posted. I called again on XX/XX/XXXX. The rep told me it will take another 2 -3 business days to post the money. As of this time of XX/XX/XXXX, the money is still not posted back to my account. It is well over two week that my money has been with the bank.
Consumer complaint received 2021-06-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (LA)

Experian sent me an email with a application for a XXXXXXXX credit card with no impact on my credit score. My credit score at the time was XXXX with XXXX and XXXX before I applied for the card. I submitted the application for the card between XX/XX/XXXX and XXXX 2021 and received a notice of a drop in my credit score from XXXX XXXX. I logged on to XXXX XXXX and saw a hard inquiry from XXXX XXXX/XXXX. I contacted Experian 3 times and was told that there was not a drop in my score while I was looking at the XXXX and XXXX graph wit the same info on both, 5 point drop. Then a Experian agent said the email specifically said the application would not affect my Experian score. I have the email and it reads that it will not have any impact to my credit score. Nothing on that email singling out experian. I have the email. Experian refuses to fix the problem that they created. XXXX told me to contact XXXX XXXX XXXX  ask for a letter of deletion but the bank will not respond to my voicemails.By XXXX XXXX XXXX, the only info I have, I think it is XXXX XXXX. The only financial action that occurred was the XXXXXXXX XXXX application and that is how I know where the drop came from.
Consumer complaint received 2017-02-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rent Recover, LLC (GA)

Rent Recover, LLC has attempted to collect a debt that has not been validated and is not mine. Rent Recover, LLC calls multiple times harassing and threatening me for a debt collection that is not mine.
Consumer complaint received 2022-02-21
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. (UT)

I had an auto loan with XXXX XXXX XXXX XXXX  originating on XX/XX/2016. I paid on that loan consistently and never had a late payment. The XXXX XXXX is reporting that I had a late payment and I need that corrected immediately.
Consumer complaint received 2017-04-03
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (CA)

The Bank rollover my Cd without sending me a letter in writing that they were doing that the new CD would .10 percent which will amount to using my money for nothing. when they say to take it out I have to pay him 3 % which would amount to over {$6000.00} currently was the new rule that they in acted without telling me also. The {$6000.00} would be {$3500.00} Over the money earned on the CD in the first place is this right I do n't think so.
Consumer complaint received 2017-05-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (TX)

I was only able to make a partial payment told them they said okay. They still call m e 5 p lus times a day. I have told them when I can make a payment. Less than a month away. They refuse to stop calling they ask me to borrow the money pawn something.
Consumer complaint received 2023-10-16
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (SD)

I XXXX XXXX was trying to reside at the alfalfa residence in XXXX XXXX back in XX/XX/XXXX till about XX/XX/XXXX. I did not sign no lease and I ONLY signed a document stating that I was EMPLOYED to be able to move in the room upstairs as a roommate. I was pretty much taking over for the last roommate that had moved out. During the end of XX/XX/XXXX I decided not to live there anymore due to because there was a wife and a husband living downstairs that were going through a divorce and I could no longer live in the disfunction of theyre verbal XXXX to one another. There was no lease that stated it was a XXXX month or if it was a 12 month lease. XXXX who was the main tenant who had rented the house for several of years. Did ask me if I want to to sign for a 12 month lease after the contract was up the beginning of XX/XX/XXXX. I had told him that I would think about it. Therefore I am not responsible for whatever debt they are saying that I owe. This was now just put on my credit report of this year ( XXXX ) when this happened almost 4 years ago. I would like to file this action against me as fraud
Consumer complaint received 2021-06-20
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. (AR)

My Federal Consumer Rights has been Violated by Credit Bureaus Trans Union, XXXX, XXXX. My information was obtained without permissible purpose, I never gave them written consent to accept information from any Creditor, instead they reported my information to the public, which was false, misleading information, Identity Theft and Fraud. My Social Security Number, Email Login and password was Compromise, and as a original creditor only l can validate the debt. I did not validate this debt. 
I contacted the Federal Trade Commission and file a complaint # XXXX. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681c-2 which states that these accounts must be remove within 4 Business Days of receipt. The account listed below do not belong to me and is a result of fraud that I did not authorize : XXXX/XXXX XXXX