davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-30
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. (NJ)

All three credit bureaus have allowed XXXX to report an old account with them as an open account and allowed XXXX to say that the the past due amount is the current monthly payment due and XXXX reports monthly that I am 30 days past due with an amount exceeding XXXX a month which is insane for a an account which is alledgely in collections this was not previously on my credit report like this XXXX actually changed how they were reporting on my credit report when I made a complaint on them due to the erroneous charges from this account since that date my realtor showed me that they started reporting this as a an account 30 days late and it keeps dinging my report every month as a new late payment XXXX also keeps changing the amount by a dollar so that it comes up as new even though this account has been closed since 2017 and I have never received a bill or collection notice and my online access was disabled to see anything I have reported this to the credit companies and they just send the same vague statement that the investigation shows the account is accurate which is complete XX/XX/XXXXand I am very confused how they allowed XXXX to make my credit worse 2 years later with false information. I want this removed as an open account on my credit report. And the XXXX removed completely as they claimed to me on the phone which I recorded that they sold my account to a collection company and they have never sent me any bills
Consumer complaint received 2022-10-19
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. (OK)

I am a victim of Identity Theft and I am hoping the fcra and the consumer protection bureau can assist me in getting my financial life back together. The Credit Bureaus are not doing the right thing here. All the accounts listed below are fraudulent and should be deleted immediately : Account Name : 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 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 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 2022-10-19
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. (LA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-09-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMCOL Systems, Inc. (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AMCOL SYSTEMS
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had communicated with your customer service representative regarding my account, specifically related to CAPITAL ONE XXXX Date opened : XX/XX/2018 Balance : {$630.00}. During a recent phone conversation with one of your representatives, I was grateful to receive their verbal agreement to removal of the late dates and negative status of the aforementioned account. While I deeply appreciate this understanding, I understand that a formal goodwill letter is required for the agreement to be officially recognized and implemented. I am writing this letter to formally request a goodwill adjustment based on the agreed-upon terms. The commitment made over the phone has a significant impact on my financial situation, and I believe that formalizing this arrangement will contribute positively to my credit history.
Consumer complaint received 2023-10-11
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company (GA)

Believe this is Illegal loan in State of Ga. Lender is not listed in Georgia XXXX. Charged very unreasonable interest rates making impossible to pay back. Without having to get more loans. I have requested to stop further ACH payments from my account.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ProCollect, Inc. (TX)

Per Texas state law, this debt has passed the statutes of limitations, no collection attempt will be able to be made through means of reporting to the credit bureaus once the statutes of limitations has passed.
Consumer complaint received 2017-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (PA)

I fell ill and required emergency services which have now left me  XXXX . I fell behind on my credit card payments. However, in  XXXX    XXXX  , Discover allowed me to enroll in a payment program that would place my account into suspended status for 12 months. I was told that my account would be reviewed after 12 months for a change in status. I have been making the payments as agreed. However, I called in  XXXX    XXXX   to see if I could move my automatic payments to the  XXXX  of the month and was told that my account charged off and they can no longer make any changes to my account. I asked to stop debiting my account and I was told that they can not make any changes to the account. After telling them that I was was recording the entire conversation, that I was filing a report with the FTC and that I going to contact my bank to stop the payments, I was told not to worry because they already removed the automatic payments from my account. I have not received any verification that they have done so and I believe that they deceptively closed my account. I never received any communication. How could they allow me to enroll in a program and then charge off my account? I do n't believe that they are operating in a legal manner. Please help.
Consumer complaint received 2023-11-10
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. (FL)

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 that need to be investigated and corrected from erroneous reporting in my file are listed 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
Consumer complaint received 2022-10-19
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. (TX)

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 XXXX 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 corrected : 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 XXXXXXXX
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (IL)

Im a victim of identity theft..I was XXXX the time this account was open I have all the supporting documents far as police report, verification of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ..I ask that these things be removed off my credit file they are causing pain and suffering I come home from XXXX and these things are effecting me ..I ask that these things be removed within a timely manner thank you and god bless
Consumer complaint received 2022-10-26
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. (IL)

On XX/XX/2022, I closed my account with XXXX XXXX Bank. The bank then about a week later sent me a confirmation email about me closing my account. A month later, the bank then placed a late payment on my credit report, which is inaccurate. I have disputed this late payment with them to no avail. I contacted TransUnion and mailed in all of the documents showing that I could not have been late, as I no longer had an account. The only thing TransUnion said it could do is open a new dispute. I am sick and tired of disputing, they need to just remove this from my account before I take them to court! The information is simply inaccurate.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I wish to make a complaint about XXXX XXXX XXXX XXXX. 

I have made many attempts to correct this account for violating the Fair Credit Reporting Act. I believe this is the third or more attempt concerning accurate reporting. This account has been closed since XX/XX/2022. Yet they have reported other remarks when the remarks should reflect a closed status. The remarks should reflect closed. 

Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( iii ) exceptions to the notice requirement under this subsection for classes of persons or transactions regarding which the agencies determine that notice would not significantly benefit consumers ; ( iv ) a model notice that may be used to comply with this subsection; and ( v ) the timing of the notice required under paragraph ( 1 ), including the circumstances under which the notice must be provided after the terms offered to the consumer were set based on information from a consumer report. 
( 7 ) Compliance. A person shall not be liable for failure to perform the duties required by this section if, at the time of the failure, the person maintained reasonable policies and procedures to comply with this section. 
( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (FL)

I have a synchrony credit card which was used to buy furniture XX/XX/2022 I was quoted a price by my sales woman and told I had 2 years to pay it off she never at one point mentioned I was in any type of promotion then whats one year came around and I was half way done paying the card off my amount basically reverted back to the originally balance of XXXX once I called to see why it was stated that my one year promotion which I did not know I was in has ended I then proceeded to make a dispute with XXXX but the only outcome i had with that was them locking my online account so I could not pay my bill this was last month I just tried to log in again and it was successful so I can pay the bill for next month but I still may have a late or missed payment on my credit as of now
Consumer complaint received 2018-12-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

My wife and I made a payment for XX/XX/2018 mortgage for {$20000.00} and our month balance before this payment was {$100000.00} and our interest rate is 3.75 % and our escrow amount is {$570.00} and my interst amount is {$330.00} if we add interest amount + XXXX = {$910.00} if we subtract this amount from {$20000.00} is {$19000.00} must be subtracted from total mortgage which is {$100000.00} the new balance should be {$87000.00} but on my new statement balance is {$88000.00} which is {$900.00} that means they did take towice interest and twice escrow account why this happened once before and we let it go please help us I am on the edge of retirement and I want to pay off my mortgage before to retire.
Consumer complaint received 2022-10-19
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-12-13
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: EQUIFAX, INC. (NY)

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Attn XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiry on my Equifax XXXX XXXX and XXXXcredit report. My latest credit report shows 1 credit inquiry that I did not authorize. 
I writing to dispute the following inquiries and asking for their removal from my credit report. 
Please have thisunapproved inquiryremoved from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-10-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

Contacted the bureaus and creditors about my accounts being reported on my credit file that breaks numerous amount of laws within the FRCA & Truth Lending Act.. I have sent out mail numerous amount of times from the year of XX/XX/XXXX til now XX/XX/XXXX and I have not gotten a clear detailed documented reason for why the information is still reporting and how could these companies go against there reporting rules. I am seeking litigation and ask that this information and case be reported to Federal Trade Commission & attorney general. I ask that these accounts listed be throughly investigated and deleted from my file immediately! 

Reason For : Over a period of time I have been contacting each creditor & bureau regarding inaccurate debts reporting to my credit file I have contacted each creditor & bureau regarding them going against the fair credit reporting act section 609 & 611. To my nature the law states that creditors & bureaus are all supposed to report 100 % accurate information in this case they are not. To be more specific these creditors & bureaus are reporting inaccurate debts which is bringing my credit file down tremendously & when I ask for a written response showing the validation from the creditor to bureau I keep getting prolonged or not getting all the information I asked for or they would report another inaccurate date, balances, open account date & then say its validated. 

Credit bureaus Experian, XXXX, & XXXX have been going against the rules they are supposed to follow & have not been providing me with the proper documentation from each creditors Creditors are updating my file through a computer generated system when I asked for all of the proper documentation showing the accounts they validate I still have not receive the proper documentation & under law of the FCRA each of these accounts reporting on my credit file should be removed. 


I have sent XXXX XXXX & Experian documents properly showing where everything is inaccurate that they are reporting onto my file even though its right there for them to see. These companies know they are wrong & I am demanding a change I am demanding that they remove these accounts by law or they will get sued for that I have been dealing with this problem for a while now & i am no longer accepting this! 


The companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX OR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX **** XXXX XXXX Experian
Consumer complaint received 2022-10-19
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. (NC)

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX 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 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 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/2018.