davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

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 and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-03
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. (OH)

TRANSUNION LLC, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 

The reporting of inaccurate information by the above companies has affected my character, my reputation, livelihood, and ability to obtain credit and a house. 

These companies have affected my livelihood and knowingly continue to break all the ( FCRA ) laws that are put in place to protect the consumers. 

These agencies have removed the below accounts once I make a complaint with the Consumer Financial Protection Bureau then they will RE- ADD the same accounts that were deleted after they feel the investigation with the Consumer Financial Protection Bureau XXXX done or closed. 

They continue to SEND ME MAILED LETTERS SAYING THAT THE FURNISHERS HAVE VERIFIED THAT THESE DEBT ACCOUNTS BELONG TO ME, THAT IS NOT ( ACCURACY, COMPLETENESS, & VERIFICATION ). 

The below accounts continue to violate my rights in Pursuant to section 611 ( a ) Of The Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 1982 ), to conduct a reasonable reinvestigation of information on a consumers credit report alleged by the consumer to be inaccurate.

1. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX 2. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

According to the account on XXXX XXXX XXXX XXXX was deleted XX/XX/XXXX, but remains on Transunion and XXXX. Also XXXX XXXX was closed off the Transunion on XX/XX/XXXX, but still remains on XXXX and XXXX. After it was removed on the XXXX they added it back to all XXXX accounts even after investigation.
Consumer complaint received 2023-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CT)

I filed complaint # XXXX. The company responded and the case was closed. Their letter in response said my account has a XXXX balance and I am not being charged late fees and interest. Their letter is dated XX/XX/2023. On XX/XX/XXXX, the next day they charged another late fee of {$41.00} and interest of {$4.00}. They then issued a statement showing I still owe all of the past late fees and interest. They did nothing to clear up the account. As stated in the original complaint I paid my charges on time over six month ago and they cut a check mailing it back to me. I then paid it again and they cut another check sending the money back to me. I still have not cashed the second check. I've attached the resolution letter, both cfpd 's and Comenity 's, along with the statement I just received. Please note the 4th paragraph, on Comenity 's letter states " As of the date of this letter, the balance on your account is zero. This is not true, as shown in the statement dated XXXX. Please help.
Consumer complaint received 2023-08-14
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. (TX)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$6200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XX/XX/XXXX
Consumer complaint received 2021-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (OH)

This is my second dispute notice and as I was going over my credit report once again Inoticed some accounts that do not belong to me. The accounts need to be deleted from mycredit report immediately. Other accounts have been transferred to other offices and arenow showing up twice on my credit report. This affecting my ability to buy a home. This is anact of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair creditreporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : -PHOENIX FINANCIAL XXXX XXXX XXXX
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (TX)

Both XXXX XXXX XXXX and XXXX is showing late payments on my credit report. I had paid off my XXXX account in exchange to remove the late payments and they are still there. Additionally, I contacted XXXX and they promised to remove the late payments as well because I am paying on time. Please correct the late payments on both of these accounts. Lastly, There is an inquiry that needs to removed as I did not authorize it.
Consumer complaint received 2021-05-24
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: EQUIFAX, INC. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I checked my credit report and saw two late payments reported for XXXX and XX/XX/2019. I contacted capital one to let them know I needed the payment plan for a couple months as a transitioned to a new job after the death of my wife. I never received any correspondence via email or by mail so I assumed everything was copacetic. Now im in the process of purchasing a new home for my kids since their mother passed away due to XXXX and these late payments appeared.
Consumer complaint received 2020-04-23
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

For the first time I received a mortgage statement from Rushmore Loan Management with no arrears after I was forced to file a Chapter XXXX  foreclosure that was scheduled for an auction on XX/XX/2020. I received a statement 4 days later. 
The XXXX XXXX Circuit Court allowed a foreclosure to happen without a mortgage servicer or lender violating the federal and state of Maryland foreclosure process. 
Rushmore did none of the requirements below. 
XXXX No billing *No notice of intent to foreclose * No order to docket for foreclosure * No Mediation
Consumer complaint received 2023-02-11
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. (FL)

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 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (AZ)

I had consolidated my student loans and ACS had my loans reporting in an incorrect status causing loans to be left out of the consolidation. Once resolved I had to re-add loans back into my consolidation. During that time ( due to ACS 's error ) my loans were reported delinquent to my credit report. This was never the case. I disputed the late reporting 's and it was denied to be removed. Again this was an error on ACS 's side. They were holding up the processing during this time and should have to correct the XXXX.
Consumer complaint received 2023-08-14
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. (CA)

Regardless of the multiple written requests, the unverified public records listed below is still reporting on my credit report in violation of federal law. I'm telling you once again that I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 

Bankruptcy XXXX  XXXX Filed on XX/XX/2017 Reference number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-23
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. (NY)

On XXXX XX/XX/XXXX I requested an investigation because I felt the item is not being reported legally, and I received documents dated XXXX XXXX 2021 and XXXX XX/XX/XXXX2021 stating that their investigation was complete. Transunion and XXXX claim to have somehow verified erroneous information ; therefore, I legally requested a description of the procedures used to verify this information. Transunion has not sent any proof from any of the alleged creditors to proof this alleged debt. 

Notwithstanding, Under 15 U.S. Code 1681b- Permissible purposes of Consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : I have not ever given my consent to furnish these debts owed to me. Therefore, it is identity theft.
Consumer complaint received 2016-11-08
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Midwest Recovery Systems (MD)

Midwest Recovery Systems has reported a debt to my XXXX and XXXX credit reports. I have no Idea why they are trying to collect a pay day loan amount when I am post bankruptcy and discharged. I have 2011 discharge and my case number is XXXX. I have not received a 30 day disclosure from this company and feel this may be a scam. It is illegal to collect a debt that has been discharged per bankruptcy law.
Consumer complaint received 2023-06-03
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance Owed : {$0.00} ; ONEMAIN XXXX Balance Owed : {$9900.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$850.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$220.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed XXXX {$68.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-05-23
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: Aargon Agency, Inc. (NV)

I reviewed a current copy of my credit report and show that items listed are incorrect and viloations due to FCRA and also FDCPA. The alleged account AARGON AGNCY ( Original Creditor : XXXX XXXX XXXX. Account number listing on my credit report is XXXX. I attempted to contact the debt collector with no successful of showing that I owe any alleged debt and I also contacted the credit bureaus that reflect such alleged debt and neither have relied and is over 60 days and is a direct viloation of FRCA. Also, I understand per the law that a collection/charge can not report and open balance and must report as {$0.00}. This alleged debt is showing an open balance in the amount of {$1900.00} which is a direction viloation of FDCPA. Please delete this account.
Consumer complaint received 2023-05-11
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal XXXX XXXX
Consumer complaint received 2021-05-23
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. (GA)

My student loan is reporting late payments from XX/XX/XXXX - XX/XX/XXXX. There should not be any late payments reporting due to the fact that my student loans has been in deferment since XXXX.
Consumer complaint received 2021-05-23
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. (GA)

My student loan is reporting late payments from XX/XX/XXXX - XX/XX/XXXX. There should not be any late payments reporting due to the fact that my student loans has been in deferment since XXXX.
Consumer complaint received 2015-11-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Global Credit & Collection Corporation (OH)

Last year at my work, I received a call that said I had a debt and action would be taken against me if I did not pay it. The person even said " well do n't you have a XXXX that you can borrow from to pay this '' They call me at work so I got really nervous and made some payment arrangements. Here recently money has been tight so I call Global Credit and collections to have the amount of the payment adjusted and I was told when I called that they no longer have an account for me in there offices, so I put a stop payment on the check because they said I had no account there. Then I recently received a call from XXXX XXXX saying she is with Global and she sees that I put a stop payment on the check so I explained that I had called and was told that I did not have an account with them at this point I asked them to provide me with the amount of the original debt and copies of every payment they have taken out of my account the woman replied " well that makes perfect sense and hung up on me. I feel like this company is a scam and I am not giving them another Penny of my money. I also found out that XXXX also wrote off my balance. I do not feel I should have to pay a balance that was written off.
Consumer complaint received 2021-05-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (WA)

After closing the personal checking account, Chase Bank failed to honor its written statement to remit {$380.00} to my address of record. In a letter dated XXXX XX/XX/2021, Chase Bank claimed to have mailed a cashier 's check on XXXX XX/XX/2021. I called Chase Bank on XXXX XX/XX/2021 after waiting more than 10 business days and no one from Chase provided any information or updates. After insisting upon getting information, Chase Banking representatives claimed that my calls were abusive and blocked all of them. 

I later discovered that the toll free number to which Chase had directed my calls was not the direct line to its Executive Office, but another number to its investigative arm of its Fraud Department. All the customer service agents to whom I directed inquiries about the check work as investigators within the Chase Fraud Department and have no direct connection to Chase Executive Office. The Chase Fraud Department has opened its own internal investigation, has used inaccurate personal information it gained from old credit reports after using XXXX to track a person. The Fraud Department set up the toll free line not to resolve the check refund issue, but to gather information to find inconsistencies in my claims. 

Chase Bank representatives interact with me harshly by acting like this situation has become part of some criminal investigation because I am an XXXX XXXX woman. Therefore, Chase Bank has zero intention on refunding the {$380.00} from the account it closed. Though Chase may insist it reserve the right to close accounts for any and no reason, I have the right to demand accountability. 







The bank has zero intentions of refunding the money
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This issue has not risen to identity theft as I do NOT consent to the reporting of this account. If this issue continues I will seek legal action. I have requested that this company show me proof that I was ever late on this account and they have not shown me any type of proof or conducted a reasonable investigation as it reports differently on each agency. See attached. Although without proof, this company believes that their reporting is accurate. Now I am requesting that this company provide the certified mail with green receipt that bears my signature stating that they have sent me in writing proper notification that they were going to furnish negative information on my report ( please note this must be prior to furnishing ) pursuant to section 15 U.S. Code 1681s-2 ( 7 ) ( A ) of the Fair Credit Reporting Act. I demand proof, if they can not provide proof then I demand they rectify. And if they do not rectify then I will sue due to noncompliance with the FCRA and Identity theft.