davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-18
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: EQUIFAX, INC. (IA)

On XXXX I attempted to obtain a XXXX XXXX credit card while purchasing a computer at XXXX XXXX. I was not automatically approved and received a letter on XXXX from XXXX XXXX indicating that I was not approved because my Equifax credit information had insufficient number of accounts and insufficient credit experience. Today I pulled both the XXXX XXXX and equifax reports and found that the equifax report was missing a lot of information about my accounts ( compare the two attached reports ). So I attempted to file a dispute online through the Equifax website. While doing so I was posed four questions that appeared to have nothing to do with my credit history so I answered none of the above. The website then indicated that my responses were incorrect so I was not allowed to file the dispute. There is no other way given on the website for me to contact Equifax. I tried all the phone numbers but they simply lead through various automated systems and did not provide a means to contact customer service. 

This gives me great concern given the supposed " hack '' of Equifax information. I am beginning to wonder if my information has already been compromised by the hackers or if the the supposed " Hack '' is a cover-up for a corrupted database. I checked and I am one who " May '' be impacted by the " hack ''. As for the Equifax response to the hack, if they just lost my information, why would I trust them with a 1 year identity protection plan? If indeed they allowed the information to be stolen ( and now possibly perverted ) they need to provide free quarterly credit reports including one from XXXX or XXXX XXXX each quarter for atleast two years. We who are " impacted '' should also be allowed to freeze and unfreeze our credit file for free indefinitely or at least until we change our names and social security numbers at Equifax ' expense. 

My opportunity to save {$88.00} on the purchase of the computer from XXXX XXXX is gone. Is Equifax going to compensate me for that loss? How much more time, expense and frustration will I incur as this situation unfolds? I 've already wasted a good 6 hours on the internet and phone calls.
Consumer complaint received 2017-07-18
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. (AL)

I am in the process of looking to buy a home. This is why I pulled my Credit Report. I could not believe the information I found. There are several loans and accounts on my report that I have no knowledge of and I contacted each creditor and have not been successful in removing these items, the reps were rude and told me even if I had no   XXXX   XXXX   is reporting  XXXX  times as well. These are not my accounts! And I will not rest until I get results. This is preventing me from getting a home and I feel it is very unfair to have to pay for something I did not do nor had any knowledge of. These accounts are reporting in error. Please help me to resolve this,
Consumer complaint received 2022-11-02
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-29
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. (SC)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted in accordance with the law. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The Identified transactions are not information related to any transaction by me as the consumer : 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 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 filed an Identity theft report on XX/XX/XXXX, and placed a fraud alert/security freeze on my credit profile.
Consumer complaint received 2017-07-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optima Recovery Services LLC. (FL)

A company called Optima Recovery Services is incorrectly reporting a debt of {$260.00} on my credit report. After all of the disputes I have sent, I have yet to receive any documentation to validate the debt they are saying I owe them.
The account number on my credit report is "   XXXX   ''.
I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this debt collection company.
They currently have an " F '' rating with the Better Business Bureau so I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
Consumer complaint received 2024-11-20
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. (KY)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2017-07-18
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. (TN)

A car was purchased using my personal information while I was under wage earner. My drivers license number is  XXXX . It have been stolen. My social security number stolen the spelling of my name was  XXXX   XXXX   XXXX  in the court. My address was  XXXX   XXXX   XXXX   XXXX , TN  XXXX . I was suppose to be protected under wage earner.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.
Consumer complaint received 2022-11-29
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. (SC)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted in accordance with the law. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The Identified transactions are not information related to any transaction by me as the consumer : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I filed an Identity theft report on XX/XX/XXXX, and placed a fraud alert/security freeze on my credit profile.
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: COMMERCE BANK (IL)

I received a letter dated XX/XX/2020 informing me that my credit card was closed. No reason was provided. I had an {$8000.00} line of credit with a XXXX  balance and zero late payments. I had been a customer in good standing for 13 years. The closure of the account will harm my credit score and credit in general. Since there was no rationale and I have been an excellent customer I demand my account be reinstated in full.
Consumer complaint received 2022-11-29
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. (WI)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2022-11-23
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$370.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX  XXXX : {$390.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
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: Experian Information Solutions Inc. (GA)

I am writing to express my frustration and disappointment regarding the persistent delays in correcting the late open accounts and the removal of public records from my financial records, despite numerous attempts to rectify these issues. 

It has come to my attention that there are inaccuracies in my financial records, specifically related to late open accounts and public records that have been erroneously reported. Despite my repeated efforts to address these discrepancies and provide supporting documentation, the necessary corrections have not been made. 

These inaccuracies have had a significant impact on my financial standing and creditworthiness. As a responsible consumer, I have diligently maintained my accounts and fulfilled all financial obligations. However, the presence of these inaccuracies unfairly tarnishes my credit history and undermines my financial credibility. 

I demand immediate action to correct these errors and ensure that my financial records accurately reflect my financial history. It is imperative that the late open accounts are rectified, and any public records inaccurately reported are promptly removed from my records. 

Furthermore, I expect your institution to implement measures to prevent similar errors from occurring in the future and to provide better support and assistance to customers facing similar issues. 

Failure to take immediate action to resolve these matters will leave me with no choice but to escalate this complaint to the relevant regulatory authorities and seek legal recourse to protect my rights as a consumer. 

Thank you for your attention to this urgent matter. I trust that you will act swiftly to address my concerns and restore the accuracy of my financial records. With this, I am asking for your assisstance to remove or correct these accounts in my credit file : XXXX XXXX XXXX Balance Owed : {$1000.00} I have serious doubts regarding the accuracy of the reported late payment dates. I firmly assert that I made all payments on time as required. I demand that you promptly report the payment status as positive and eliminate all late payment entries from the reporting associated with this account. Your immediate action to sort out this matter is expected. 
XXXX XXXX XXXX Balance Owed : {$2100.00} The presence of a 30-day late payment history on this account is completely unfounded, as I strongly believe that I made all payments on time. I demand an immediate update to rectify this erroneous late payment record associated with the account. Your prompt attention to this matter is expected. 
XXXX XXXX XXXX  Reference # : XXXX The bankruptcy is reported beyond the permissible time limit. According to the Fair Credit Reporting Act ( FCRA ), bankruptcy information should be removed from my credit report. Please investigate and rectify this discrepancy.
Consumer complaint received 2022-11-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Credit & Collection, Inc. (TX)

Nationwide XXXX and collection which is also nationwide XXXX XXXX They use 2 different accounts to put on your credit report and when you try to call them with the number they provide on the collection account on your credit report it says its not a working number. To top it off I have no recollection of this account because I went to one hospital and it wasnt the one they said I went to. And while I am trying to settle it with XXXX and nationwide the information that was given to me is not correct.
Consumer complaint received 2022-11-29
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. (SC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WI)

I received a letter from Wells FargoXX/XX/XXXXbased on that statement I owed {$650.00} I paid {$200.00} which I thought would bring my bill down to {$450.00} but instead the letter indicated I owe {$1300.00} after talking to several representatives my balance actually was {$710.00} as of XX/XX/XXXX statement. I called Wells Fargo and I had representative name XXXX ex XXXX working with me i was trying to get the late fees waived because in XXXX I filed banckruptcy and I reafirrmed with Wells Fargo and the amount we agreed on was no late fee just 4 % intereste rate, my court letter indicated no late fees. Then I received another statement dated XX/XX/XXXX with a new balance of {$910.00} I called XXXX to find out why would my statement go up {$200.00} she tried to explain to me that since I missed XX/XX/XXXX payment they added the XXXX to my statement because I missed XX/XX/XXXX payment. I told her that I can see a late fee and interest but how can Wells fargo justify adding {$200.00} to my statement.
Consumer complaint received 2017-07-18
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Oracle Financial Group LLC. (TX)

Intimidating phone calls multiple times a day. Told me he 'd continue to call me at home and work. Claimed to be an  investigator in the county  I reside in and claimed a civil suit was being filed against me. (   XXXX   /17   .  Called county  clerk, district clerk, and justice of the peace - no suit had been file d )  The name the man used was  XXXX   XXXX .
Consumer complaint received 2024-03-27
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. (TN)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.
Consumer complaint received 2017-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (FL)

My younger brother and sister opened up the account on   XXXX   XXXX   when they were shopping for a  XXXX  gift for our mother and realized they did not have the funds, but Target offered them the option to open a card and have the payments due at a later time.     I was not aware it was opened. I did not receive any mailings because the wrong address was on file. An old driver 's license was used to open the account.     I realized the debt existed when I saw on my credit r eport that two mis sed payments were reported.     I have gotten nowhere with speaking to Target on the phone on   XXXX   XXXX   and on   XXXX   XXXX  . I also visited the store on Friday   XXXX   XXXX   and was told that nothing could be done regarding the account, past balance, or anything.     I tried getting the most recent late fee removed, or offering to settle the account at 90 % of the balance. Both were denied.     I am looking for a small measure of debt relief on a fraudulently opened account that I have proof it was never activated after the initial purchase.
Consumer complaint received 2024-04-30
Product: Credit card — Store credit 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: CITIBANK, N.A. (OH)

I have submitted several complaints through this portal as well as made direct communication to Citi Bank in regards to XXXX card accounts I had opened around the XXXX  season at Wayfair and Bloomingdales. After opening these accounts I was given a digital card number to utilize my credit limit right away. 

I had attempted to use both these store cards to purchase XXXX gifts with that card number. However, after each attempted use, the transaction was canceled by the store merchant with no given reason. No orders were ever shipped to me. It should also be noted I never received any physical card for these accounts in the mail. 

In response to an earlier complaint Citi stated the Bloomingdales account has been closed as I requested. They are still however reporting and trying to collect a past due balance from me, as is the way fair account. 

Please can we have this finally handled properly and have both of these accounts closed and corrected to the {$0.00} balance that they are supposed to be at, as no purchases were ever completed.
Consumer complaint received 2024-11-20
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. (CA)

I am a victim of identity theft. There were inquiries fraudulently made to my personal credit. Names of the companies and dates of them are listed below. I have sent in proof to the credit bureaus but they refused to have these removed. They are breaking the credit law. Please have this resolved with the credit bureaus immediately by having them remove these inquiries immediately off my credit! 

XXXX ) XXXX XXXX - XX/XX/year> XXXX ) XXXX XXXX  - XX/XX/year>