davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-15
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. (SC)

IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2016-07-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

Certegy is reporting on my credit report that I have an outstanding balance in their office for {$1400.00}, from XXXX. I have now called their office several times to inquire about the debt they are reporting. They tell me that I do not have a debt in their office. Nevertheless, they are not taking the account off of my credit report, even though I have disputed it multiple times.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to formally lodge a complaint regarding the inaccurate charge-off status on my credit report. Despite my diligent efforts to resolve this matter and bring it to your attention, the charge-off entry remains unjustly impacting my creditworthiness. 

I provided comprehensive documentation and explanations to demonstrate that the charge-off was incorrect and should be removed immediately. However, to my dismay, subsequent reviews and investigations by your agency have failed to rectify this issue, leaving the charge-off entry intact. 

The presence of this inaccurate charge-off status severely undermines my creditworthiness and financial credibility. It unfairly represents my credit history and financial responsibility, leading to adverse consequences such as higher interest rates, difficulty obtaining credit, and hindered financial opportunities. 

I urge your agency to take immediate action to rectify this matter. Specifically, I request that : The erroneous charge-off entry be promptly removed from my credit report. 
A thorough investigation be conducted into the handling of my dispute, including an examination of why the evidence provided was not considered in previous reviews. 
XXXX and transparent communication be provided regarding the steps taken to address my complaint and the measures implemented to prevent similar inaccuracies from occurring in the future. 
I emphasize the urgency of resolving this issue, as it continues to unfairly impact my financial well-being. I am asking for your assisstance to remove these accounts fraud in my credit file : XXXX  XXXX Balance : {$2100.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXX XXXX Balance : {$720.00}.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX BANK XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Why am I being denied a copy of the credit report pulled by XXXX XXXX XXXX XXXX used for a loan so I may prove it was a fraudulent loan? What are my requests then continually labeled duplicate when XXXX XXXX XXXX XXXX supplies nothing?
Consumer complaint received 2021-07-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (OH)

I checked my credit and ERC was reporting an XXXX XXXX charge for {$54.00}. This never should have been on my report, I was and still am a XXXX XXXX customer. 

So I stupidly paid this error, thinking it would be removed off my credit. No, after disputing it to XXXX  & XXXX  and mailing a direct letter to ERC, no response at all? 

As you can see, XXXX  did not do an investigation, there is not XB dispute code? Someone or both have committed a FDCPA violation!
Consumer complaint received 2021-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

Im writing this complaint against LVNV Funding. This account with XXXX  XXXX has been satisfied and deleted from all credit reports. However, this collection agency refused to remove account. Ive attached a copy of my XXXX  report that shows deletion and account satisfied. However, LVNV continues to report please help.
Consumer complaint received 2024-03-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I hope this letter finds you well. I am writing to address a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there a instances of late payment recorded on my account. I am writing to request the removal of this late payment from my credit report. XXXX XXXX XXXX
Consumer complaint received 2023-02-14
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. (FL)

XX/XX/XXXX, XX/XX/XXXX I am a fraud victim and I asked that information be removed to reflect my current name and address. I also asked that they removed the XXXX XXXX XXXX XXXX due to it is incorrect since XX/XX/XXXX due to I relinquish the timeshare property and the address was incorrect and not mines. They returned and said it is accurate. I looked again, and it is still not correct or accurate. I am requesting full deletion. 


In accordance with the Fair Credit Reporting Act, the following 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 an account without my written instructions. 

1. Personal information, names, addresses and accounts 2. XXXX XXXX XXXX XXXX Account Number : XXXX. 
3. XXXX XXXX XXXX XXXX Account Number : XXXX. 
4. XXXX XXXX XXXX XXXX Account Number : XXXX The following I paid off and told the XXXX XXXX : XXXX. XXXX XXXXXXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX XXXX XXXX in settlement. {$2400.00} written off. 

6. XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX XXXX XXXX in settlement. {$640.00} written off. 

7. Account name XXXX XXXX XXXX Account XXXX XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX XXXX XXXX in settlement. {$600.00} written off. 


8. Account name XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX XXXX XXXX in settlement. 



9. Account name XXXX XXXX XXXX XXXX  Account number XXXX .... 
Recent balance {$660.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$1300.00} written off. {$660.00} past due as of XX/XX/XXXX. 

10. Account name XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX XXXX XXXX in settlement. {$1100.00} written off. 

11. Account name XXXX  XXXX XXXX. 
Account number XXXX .... 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX. {$12000.00} written off.
Consumer complaint received 2023-06-21
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

RE : XXXX  DISPUTE, THROUGH CAPITAL ONE CASE NO : XXXX I made a dispute against the charge from XXXX. The disputed amount is {$300.00} and the transaction date is XX/XX/2023. 
I was informed today that the merchant is claiming that he provided me with services, and that I signed to agree to his terms and conditions. I did not sign anything agreeing to any services. I was not provided with terms and conditions. I paid for a hoodie, and have yet to receive it. Further, I believe that I provided adequate proof that I paid for merchandise and not services. The username from the merchants XXXX account matches the email address that he contacted me from, and we were clearly discussing the purchase of a XXXX brand hoodie for {$300.00}, and not " services ''. 
If the merchant is saying that I paid for services and signed documentation, then that is fraud as I did no such thing. Capital One ruled in the merchants favor, and I now have to pay back the {$300.00}
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cannon Finance, Inc. (AR)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-04
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. (NC)

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 2023-11-04
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. (FL)

I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXXXXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$270.00} ; XXXX XX/XX/2022.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$22000.00} ; US DEPT ED XXXX {$3400.00} ; US DEPT ED XXXX {$2500.00} ; US DEPT ED XXXX {$4100.00} ; US DEPT ED XXXX {$1600.00} ; US DEPT ED XXXX {$3300.00} XXXX US DEPT ED XXXX {$7600.00} XXXX US DEPT ED XXXX {$5400.00} ; US DEPT ED XXXX {$4100.00} ; US DEPT ED XXXX {$1300.00}.
Consumer complaint received 2023-04-09
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. (TN)

I've requested assistance with all three bureaus XXXX, XXXX, and Trans Union credit reporting agencies ( CRA ) and their subsidiaries as well as XXXX. I reached out numerous times in XXXX and 3 times this year, each time my credit score continues to decrease. I sent letters and called, which is a daunting task to say the least. My credit score went from XXXX to XXXX in XXXX  and continues to fluctuate substantially. The CRA continues to report late payments when student loans are deferred or in forbearance. The voluntary dismissed bankruptcy is in error as well. I never had a Self account, a few other accounts are also invalid. I have requested to dispute old and erroneous addresses and personal information. I don't use alias names and these items are also incorrect. 
Please advise
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Conduent Incorporated (CA)

My wallet along with my way2go child support card were stolen on XX/XX/23. I filed a police report that same day and promptly cancelled all of my credit cards/debit cards. I received my new way2go card on XX/XX/23 but I am unable to activate it. I visited the website to activate it but my credentials such as my California child support participant id, social security number, and the 16 digit card number of the new card, can not be verified. I have to depleted my savings and I am still waiting for the police department to follow up on my police report. Until then, I am relying on the funds inside of my way2go card to provide for my children. I have been calling the customer service number which is ( XXXX ) XXXX to get a hold of someone who can help me verify my credentials but I am unable to speak with an agent nor is there an option to. Please help me.
Consumer complaint received 2023-06-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I opened a Wells Fargo Saving Account on XX/XX/23 with a {$520.00} bonus attached to it. 

I had over {$25000.00} by day 30 of account opening and also over {$25000.00} on day 90 since account opened as instructed by the banker and bank bonus requirements. 

I had a friend open the exact same bonus on the same day and they have received the bonus on XX/XX/23 and my account has not been credited the {$520.00}.
Consumer complaint received 2018-03-13
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: Experian Information Solutions Inc. (LA)

I have a XXXX card that was serviced by XXXX XXXX it was charged off XX/XX/XXXX. I have disputed this numerous times with all three credit bureaus and XXXX XXXX. The payment history is not accuracy. It shows no data until the charge off on XX/XX/XXXX then shows current on XX/XX/XXXX and XX/XX/XXXX. Then no data after that. This whole account needs to be deleted from credit reports due to none of my on time payments being posted. Also does not have exact charge off date.
Consumer complaint received 2023-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I HAVE A CREDIT CARD ACCOUNT WITH BANK OF AMERICA, THEY ARE SUEING ME FOR A RIDICULOUS AMOUNT OF MONEY IN WHICH I DID NOT CHARGE, EXCESSIVE INTEREST AND FEESPLUS MANY CHARGES MY FATHER MADE WITHOUT MY PERMISSION SEVERAL MONTHS BEFORE HE PASSED AWAY WITH XXXX XXXXXXXX. I HAVE CALLED BANK OF AMERICA SEVERAL TIMES AND SENT LETTERS TO THEM AND THEIR ATTORNEY TO EXPLAIN THE SITUATION. THEY KEEP TELLING ME THEY ARE INVESTIGATTING THE ACCOUNT. NOW IT HAS BEEN ABOUT THREE MONTHS AND THEY STILL HAVE NOT LET ME KNOW THE STATIS. I HAVE SENT LETTERS AND CALLED AND HAVE TRIED TO SETTLE THE DEBT WITH A OFFER FOR MY PART I BELIEVE IS MY LEGIT DEBT. STILL NO REPLY. NOW I SEE THEY ARE SUEING ME FOR THE FULL AMOUNT, WOULD LIKE TO EITHER WORK OUT A FAIR STTLEMENT FOR WHAT I CHARGES OR SEND ALL INFORMATION REQUESTED TO DEFEND MYSELF FROM THE FRUAD CHARGES. OR I MAY KNOW WHERE I AM AT TO POSSIBLY GO TALK TO A BANKRUPSY ATTORNEY. THANK YOU
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AL)

Reviewed most recent credit report from ( insert credit name ) and I noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was meant with push-back even though I expressed the inquires in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2018-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CA)

We have XXXX in our home. When they installed it, it did not work right. We kept having connectivity issues. We contacted them several times. They checked things on their end, but took their time correcting it. During that time, we told them we want the service, but it has to work right. They understood, and eventually got someone out to our home to confirm that they aligned the dish " wrong '' and that was the cause of all of our months of issues. Now, we are applying for a new home loan, and this comes up! We did not know it went to collections as well. This is totally WRONG. XXXX admitted their installation error ( " ... it was a Level 1 Technician ... '' ), and waived the equipment charge. They also admitted that they shouldn't have billed us for this in light of the issues at hand. 

NOW I have learned that IC System Inc XXXX Collection XX/XX/2016 {$220.00} is related to the XXXX error. Our bills are paid up. This collection reference is bogus, and should be immediately removed. XXXX will confirm we are paid as agreed.
Consumer complaint received 2023-06-21
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is a complaint against the improper closure of a transaction dispute filed with Capital One and the callous nature of their response. 

1 ) XX/XX/XXXX : The initial dispute was filed ( letter from Capital One confirmed this and an initial refund for the amount was placed on the credit card ). 

2 ) XXXX : Received an online letter asking for more info and documentation. This was the *first* time in this entire process that XXXX had asked for documentation from my end. I was given only two options to repsond -- > snail mail or fax. They even warned me about taking XXXX days to respond.

3 ) XXXX : In order to speed things up, within hours of getting the online letter from XXXX, I faxed a letter and all communication between myself and the merchant in question. 

4 ) XXXX : Within literally hours after receiving my fax on the very same day, I got another letter telling me that the case has been closed because I did not provide some unnamed piece of information. They could have shown the minimum courtesy of telling me what that missing piece of information was which they did not. 


This complaint is to put on record the fact that Capital One had no desire to investigate this issue. They simply wanted to close this and move on.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (MS)

I couldnt pay monthly bill because I was sick with XXXX I offered to pay XXXX a month but they did not take offer now they call and text 5-6 times a day also called my job and told my buisness to coworker