davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
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. (TN)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XXXX your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX # : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX ACCOUNT # : XXXX
Consumer complaint received 2023-09-10
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Affirm Holdings, Inc (WA)

The company of concern is Affirm Affirm is practicing deceptive behavior which has resulted in the destruction of my credit. 

I opened one tradeline with them and anytime I bought anything they turned it into a new credit line. It was not disclosed to me that opening one tradeline with them would result in multiple tradelines. I think they are doing this to get late fees by confusing the consumer.
Consumer complaint received 2023-09-10
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account, Creditor : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$1200.00}, XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$2000.00}, XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Balance {$2600.00}, XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$30000.00}, XXXX XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$1200.00}, XXXX XXXX XXXX XXXX Account number XXXX  Date opened XX/XX/XXXX Balance {$3000.00}, XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$6800.00}, XXXX XXXX XXXX XXXX Account number XXXX  Date opened XX/XX/XXXX Balance {$25000.00}, XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$3700.00}, XXXX XXXXXXXX XXXX Account number  XXXX Date opened XX/XX/XXXX Balance {$2200.00}, XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$4800.00}, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX is a debt buyer Collection company that is reporting a negative debt acct that I am not responsible for to XXXX and Experian consumer reporting agencies. I am not liable for this debt with the original creditor XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX which was charged off due to last payment made XXXX XXXX. That charge off account was dropped from my consumer credit reports several months ago, due to the timeframe of the last payment being 7 years ago per FCRA. XXXX is violating my consumer rights by reporting this negative account to my consumer credit reports despite of the FCRA rules related to statues of limitations of reporting collection debt aligned with original creditors factual reported last payment received by the consumer and the Californias statute of limitations legally collecting for a credit card debt is 4 years of last payment received. XXXX XXXX XXXX is reporting this collection account as OPEN status since XXXX, despite of the charge off account with the original creditor was either in XXXX, due to the last payment was XX/XX/XXXX made to the original creditor. XXXX did not report to Experian and XXXX for the month of XXXX due to my dispute directly with XXXX and Experian, but XXXX did start back reporting on XX/XX/XXXX to XXXX. Also XXXX is improperly reporting this negative account to XXXX on XX/XX/XXXX as a NEW OPEN collection activity account with a 120 days late delinquency, but no history reported data showing the months with or without payments, credit report shows open date as XX/XX/XXXX, when in fact the account was previously reported as closed prior to XX/XX/XXXX re-reported information. I never signed an agreement with XXXX validating this debt or provided authorization to XXXX to report to my consumer credit reports as well as well.
Consumer complaint received 2022-03-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

XXXXXXXX XXXX opened an account on a card that I paid off without my consent with a collection agency Portfolio Recovery and they want remove it from my credit report. You can not bill someone again after they closed the account thats against my right as a consumer
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Can u please delete the 2 " Fraud hard inquiries ''. I know nothing about this new inquiry XXXX all. As i will provide documentation of the duplicate inquiries. I also froze my accounts with fraud alerts and reported to the FTC for further security & Investigation measures. 

This was improper use of my credit report of hard inquiries that i am unaware of and did not authorize. I was notified by MyFico XXXX XXXX XXXX thats someone accessed my info it was stopped the the XXXXXXXX XXXX Website Surveillance from my Bank. I also filed a FTC Report. 

Transunion File # XXXX The 2 unauthorized Hard Inquiries are listed below.

Fraud Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OK)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-08-17
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. (LA)

I am not liable for the debt with XXXX. I do not have a contract with XXXX XXXX XXXX. I requested copy of contract never received it. This account have been removed from my consumer report 2 times and keep coming back after you all advised them to delete account off my consumer report.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

As of XX/XX/XXXX Equifax is showing on the XXXX XXXX account that I am making {$39.00} payments on this account from XXXX to XXXX. I HAVE NOT MADE ANY PAYMENTS ON THIS ACCOUNT PERIOD! THIS IS FRAUDELENT REPORTING TO THE CREDIT BUREAU! 

In addition, the balance is stating XXXX from XXXX to XXXX. If any payments were made why wouldn't the balance be lower? This balance has remained the same for the last 4 years! 

Equifax says is account was opened since XX/XX/XXXX. THAT IS 7 YEARS AND NINE MONTHS! WHY ARE YOU STILL REPORTING THIS ACCOUNT AFTER 7 YEARS! 

THIS CREDITOR IS FRAUDELENT AND EQUIFAX IS FRAUDELENT REPORTING THIS ACCOUNT WITH FALSE INFORMATION. 

EQUIFAX IS TO PROVIDE PROOF THAT XXXX A MONTH PAYMENTS WERE MADE ON THIS ACCOUNT FROM XXXX TO XXXX. 

IN ADDITION, PROOFING THIS IS MY ACCOUNT, AND PROOFING THE BALANCE. 

EQUIFAX IS PAST THE 7 YEAR MARK AND IT IS STILL SHOWING THIS FRAUD ON MY CREDIT REPORT.
Consumer complaint received 2018-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST HORIZON BANK (TN)

Someone stole one of my personal checks, forged my signature and cashed it for {$1800.00}. Reported the theft to the bank and XXXX Police Department. Nothing has been done about it. The bank has not provided done anything about correcting the situation.
Consumer complaint received 2022-02-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ready Capital Corporation (IL)

A XXXX  removal request was made in XXXX and XXXX. The company keeps indicating that we have made late payments and we have not. We finally got a hold of someone and they sent an appraiser out to our home in XX/XX/XXXX. The appraiser indicated that the appraisal would take 2 weeks. It's been almost 3 months and no one at GMFS can give us a response and they can not find an appraisal.
Consumer complaint received 2022-10-24
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and 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 one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 negative account 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 Transunion more than 21 times. transunion 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2018-05-01
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: Midwest Recovery Systems (TX)

COLLECTION COMPANY 'S XXXX XXXX XXXX XXXX FLORIDA XXXX XXXX.

ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX  {$810.00} DATE ACCT OPENED XX/XX/XXXXREPORTED AS OPENED XX/XX/XXXX ON CREDIT REPORT.

MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ORIGINAL CREDITORS XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX {$430.00} XXXX XXXX OPENED XX/XX/XXXX {$700.00} XXXX XXXX XXXX  OPENED XX/XX/XXXX {$430.00} REPORTED AS OPENEDXX/XX/XXXX AND XX/XX/XXXXON XXXX, XXXX XXXX.

I have filed dispute on this accounts for a couple of years but because the collection agencies keep passing to other collection agencies I have to start the whole process over and never seem to get it resolved. I have contacted both of this and explained how I have been disputing the collections they have with previous collection companies but they pass it to other collection agencies so I have to start the process over and want answers as to why they are reporting to credit agencies with wrong date of collection when the original date is showing as the date they received account not when account was opened, I also asked if they had a surety bond with the state of Texa as third party collection agency must have a XXXX  surety bond in Texas, XXXX collector nor supervisor didn t know what I was talking about. I then went onto explain that I have been trying to resolve this collections due to having my purse stolen in XX/XX/XXXXand have been having issues but because they are illegally reporting with incorrect dates causing me to get this off my credit report for the past 6yrs. Due to this collection companies reporting incorrect dates I have not been able to proceed in purchasing a home because of there incorrect reporting is affecting my credit score.
Consumer complaint received 2023-09-09
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mortgage Research Center, LLC (GA)

I, XXXX XXXX ( maiden name Banks ) have been in forebearence with my mortgage with Veterans United since XX/XX/XXXX. I received documentation in XX/XX/XXXX from Veterans United that my forebearence was about to end and to complete required paperwork. I completed the XXXX XXXXXXXX XXXX XXXXXXXX to keep my home at the end of XX/XX/XXXX. I sent the XXXX XXXX XXXX  XXXX certified ( USPS XXXX XXXX XXXX XXXX XXXX ) and it was received XX/XX/XXXX. I waited for my application to be processed and did not receive anything. I finally reached out via DM on XX/XX/XXXX and Veterans United replied on XX/XX/XXXX, that I could view the status of my modification online. I attempted to search for the status and it was nowhere the rep advised. I finally received a certified letter on XX/XX/XXXX and it was a demand letter stating that I must pay the amount of {$19000.00} in full by XX/XX/XXXX. I called and spoke with XXXX XXXX at XXXX XXXX XXXX on XX/XX/XXXX and she informed me that they are demanding the full amount because they never received a response back from the documentation that was sent in XXXX. I told her I in fact sent it back, certified! XXXX confirmed that the application was received and uploaded in their system on XX/XX/XXXX and was just never processed!! She advised I could re-fill out the app online to receive a quicker response. I had no clue as to why I would have to do the same form again as they had already had the form I sent. Per page 3 in the form, if you have a reduction of income or change in income, no documentation is required. They never requested anything from me at all. I never received a decision at all as well, so how can they demand the arrears? This is clearly a violation. I was not informed of this being a violation as XXXX requested that I just complete the application again. No fault was admitted at all.
Consumer complaint received 2023-09-09
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: LEXISNEXIS (NE)

i have a bankruptcy on my credit report that keeps showing up as verified when its not. i never filed bankruptcy and nobody will give me documentation of proof. my social doesn't match, address and phone number doesnt match. my phone number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Credit Reporting Act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

In accordance with the Credit Reporting Act XXXX Account : XXXX XXXX 15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604a Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

I HAVE BEEN CHARGED THREE TIMES FOR A FREE CREDIT REPORT. 

ON XX/XX/XXXX CHARGED {$12.00} FOR FREE CREDIT REPORT AND I HAVE NOT RECEIVED IT WEB SITE ASKED FOR VERIFICATION PURPOSES I SUBMIT MY CREDIT CARD ON XX/XX/XXXX CHARGED {$1.00} FOR FREE CREDIT REPORT AND I HAVE NOT RECEIVED THE REPORT WEB SITE ASKED FOR VERIFICATION PURPOSES I SUBMIT MY CREDIT CARD ON XX/XX/XXXX CHARGED {$21.00} FOR FREE CREDIT REPORT AND I HAVE NOT RECEIVED IT WEB SITE ASKED FOR VERIFICATION PURPOSES I SUBMIT MY CREDIT CARD UNABLE TO REACH ANYONE ON THE TELEPHONE I AM A XXXX XXXX   VETERAN
Consumer complaint received 2021-01-08
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: EQUIFAX, INC. (TX)

I have inquiries I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX, have violated my rights. 15 U.S.C. 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy. 15 U.S.C. 1681b 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

synchrony bank allowed someone to open accounts in my name when i was in XXXX XXXX and I had no knowledge until i checked my credit because i want to make a auto purchase. And now my account is in collection and I need it remove as soon as possible because im not responsible for such a bill.Why do a XXXXXXXX XXXX XXXX XXXX XXXX XXXX need a card to JCP and Ashleys Furniture when i live with my parents. Send me documents that show i opened the account not a copy of a bill because that isn't proof. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Although I usually pay my balance in full every month, My Capital One Venture Credit card was not paid in full on XX/XX/2023. The next month I was charged an interest fee for the balance owed ( as expected ). My XXXX payment was paid in fullthis included new charges as well as the previous owed amount. In XXXX, my bill include an interest fee of {$8.00}. When I called Capital One, I was told that it was there standard of charging interest on an unpaid balance ( even though that balance had been paid in full ) for two consecutive months after the amount was paid. I told them that was robbery and refused to pay it. The agent told me as a one time courtesy, she would remove the XXXX charge. However, since it was a 2 month fee, my next bill would include an interest charge. 

Now if I were still carrying a balance, I would expect to incur additional fees. However, when a balance is paid in full, there should be no fee attached to that balance. This should be against the law! They have arbitrarily decided to charge an interest fee on a paid balance. This is stealing expecting the consumer wont notice or complain. Well, Im complaining! This practice has to stop!