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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and update it immediately in my report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-24
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: CITIBANK, N.A. (NY)

On XXXX XXXX, 2022, I wrote a letter disputing the inaccurate account posted on my credit file. I requested from the Creditor to show proof of contract that legally obligate me to the account that report on XXXX. It has been 30-day pass and I have yet to receive a response from Macy/DSNB. Also, company failed to report the account to XXXX as disputed. Down below you will see the letter that I send out to the company which they failed to respond to in a timely fashion
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (WI)

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 

I have disputed this account on multiple occasions, as recently as XX/XX/2023. The information on the account is not mine. I have requested a copy of the contract with the wet signature and proof of my identification that should have been provided. I have not received this information or any response. The XXXX XXXX XXXX XXXX does not belong to me.
Consumer complaint received 2023-02-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC (IN)

On XX/XX/23 I was contacted by RMP LLC in regards to a debt that they are saying I owe with them. I was informed that this account was in litigation and that I needed to start making payments ASAP. On XX/XX/23, I realized that the accounts that they were saying were in litigation were no longer listed on my main account. I proceeded to call on XX/XX/23, where a representative told me that they were moved into a new account, and they were not responsible for telling me that - that it was my responsibility to find that out myself. How, in the world, am I supposed to just GUESS that my accounts were split in 2?
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that these inquiries were erroneous. The 3 credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-09-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

i was sent a letter stating a proposed fee hike in monthly interest charges of 26.24 % to account balances which were already at 25.99 %. Also, an increased late payment fee of {$27.00} or {$38.00} ( which would be used was not specified ) during six billing cycles for past due accounts. The letter gave an XXXX number to call to reject to the rate increase, which I did. I received the attached letter as a result.
Consumer complaint received 2020-08-17
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: CORELOGIC INC (MO)

Customer service would not help and take care of the negative inquiries reporting to my credit report. 

CREDCO inquiry date XXXX XXXX XXXX inquiry date XXXX XXXX/XXXX inquiry date XXXX
Consumer complaint received 2023-07-22
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. (LA)

On XX/XX/2023, and In accordance with the fair credit reporting act, this creditor XXXX XXXX XXXX has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have a right to privacy. Under 15 U.S. Code 1681 section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 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 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY (FL)

This complaint is about American Express credit bureau reporting unit, as of XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX and XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX American Express credit reporting unit did not report report updates to my account report # XXXX  to XXXX  credit bureau , This complaint is to ask American Express to update my payments made according to my online statements by American Express.A complaint sent by certified mailXXXX, and XX/XX/XXXX, was not answered.my updates needs to be reported to XXXX, as stated in agreement with American express, this will put my XXXX points back on my credit score, with XXXX, to update my account is the responsibility of the credit reporting unit, whom is not responding, I await american Express to respond.
Consumer complaint received 2021-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America has closed my account and have been holding my funds for over 30 days. I contacted the bank and asked for a eta for receiving a cashier check and they can not provide me any details.
Consumer complaint received 2024-03-22
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. (GA)

I HAVE HAD AN ISSUE WITH THIS STUDENT LOAN REPORTING IN MY CREDIT REPORT THAT I NEVER TOOK OUT A LOAN FOR. EARNEST HAS BEEN REPORTING IN MY CREDIT REPORT. I FILED AN FTC COMPLAINT, A POLICE REPORT, A DISPUTE AND MULTIPLE DISPUTE LETTERS SHOWING THAT I AM NOT RESPONSIBLE FOR THIS ACCOUNT AND THEY HAVE REFUSED TO REMOVE IT FROM MY CREDIT REPORT. PLEASE SEE ALL THE ATTACHED DOCUMENTS THAT I HAVE PROVIDED AND HELP ME REMOVE THIS ACCOUNT AS IT IS HINDERING ME FROM FURTHER PROGRESS.
Consumer complaint received 2021-07-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AUTOMOTIVE CREDIT CORPORATION (FL)

On XX/XX/XXXX I entered a consumer credit transaction with Automotive Credit Corporation in the amount of {$12000.00} to obtain a XXXX XXXX XXXX. The Finance Charge of {$7000.00} did not equal the sum of all charges as the Total Sale Price, including my down payment of {$5000.00}, equaled {$24000.00}. They required me to purchase my own insurance. They have received an additional {$760.00} for statements they sent me XX/XX/XXXX and XX/XX/XXXX. I have not sent any more money. As the original creditor, I should have not received any statements requesting payment as they have already been paid on this matter. On XX/XX/XXXX, via Certified Mail, they received my Validation Letter, Cease and Desist Letter, an Affidavit stating where they have wronged me, and an invoice of {$19000.00} for double the finance charge and all of the payments they have received from me. On XX/XX/XXXX they sent me another statement with the total amount due of {$1500.00}. It is past 30 days and I have yet to receive a response to any of my letters.
Consumer complaint received 2021-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Medical Management, Inc. (NJ)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2021-07-05
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)

Ive disputed the two Bankruptcies with Trans union XXXX  and XXXX that doesnt belong to me. Yet they say its verified and to be mine, Ive spoke to the XXXX  court and they dont even give this type of information with credit bureaus so how is this being verified. Please remove these items they are inaccurate and incorrect. I XXXX XXXX XXXX  have found XXXX XXXX XXXX  to be on my report as a third party representative for me again these are not mine Please remove as I have not authorized these people to represent me this again does not comply with the FCRA. Remove immediately if these where mine the information is doesnt report the same dates as other bureaus and needs to be removed.
Consumer complaint received 2021-07-05
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: Colony Brands, Inc. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MA)

Since XXXX last year credit drops XXXX points, back up XX/XX/2023 and again XXXX XXXX, 2023 XXXX points down. Reach out to credit bureaus and being told to get a financial advisor as they just explain the factors. Credit has not have any drastic change, if anything should be positive as an old account was removed and balances lowered. I need this to be verify as I can never be at peace knowing my credit score is accurate or at least I am being informed of any changes. I understand 5-10 even 15 but XXXX point is just concerning and they really do not help.
Consumer complaint received 2023-07-22
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. (MN)

XXXX XXXX XXXX. Account number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX. Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX. Account Number XXXX. Date Opened XX/XX/XXXX ONLINE INFORMATION SER. Account XXXX XXXX. Date Opened XX/XX/XXXX XXXX XXXX XXXX. Account XXXX XXXX. Date Opened XX/XX/XXXX XXXX XXXX. Account XXXX XXXX. Date Opened XX/XX/XXXXXXXX XXXX. Account XXXX XXXX. Date Opened XX/XX/XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-07-22
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. (MN)

I have been XXXX for 5 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries on my credit report that i wish to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All the above inquiries is unauthorized and should be disputed from my XXXX Report and all 3 Credit Bureaus XXXX XXXX And TransUnion Under the laws of the FCRA ( 15 USC 1681-1681u ) these unauthorized inquiries and accounts must be removed
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Cedars Business Services, LLC (PA)

I had a collection account showing on my XXXX credit report, I tried to dispute the account online many times, because it was really unfair to have this account on my report because the moment the collection agency contacted me I paid in full especially the orginal creditor is from a foreign country who sold the account to the collection agency. 

However, the account was removed from my report on XX/XX/2021 and now its back in my report!!! How is that possible!!! When I was speaking to dispute XXXX from XXXX she said it wasnt removed!! How is it possible they play with my credit report?!!
Consumer complaint received 2021-07-05
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2017-02-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NAVY FEDERAL CREDIT UNION (NC)

There is a credit card and loan that is reported on my credit report as closed and charged off, After making deposits into my account with Navy federal they have illegally withdrew {$2300.00} from my checking and savings account, Without prior knowledge! I am a single mother and XXXX XXXX student. I 'm not receiving much income and now will be put out of my home due to this negligence. No one informed me of these illegal practices!
Consumer complaint received 2023-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MD)

On XXXX of each month, my payment is due. 

For the past two months, when I attempt to access my account through XXXX XXXX website, an error message is received stating their systems are not available. When this happens, I am unable able to pay my bill on the XXXX as intended. I am forced to make a payment over the phone and incur a {$9.00} fee for doing so. This has happened to many people ( per postings on their XXXX  ) and is happening to my husband who is a card holder on his own XXXX XXXX account. I feel they are intentionally shutting down their systems forcing customers to pay by phone to generate revenue.
Consumer complaint received 2023-07-22
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. (PA)

I recently applied for credit and upon a pull of my consumer credit report was denied due to a charge off which is listed in error. XXXXXXXX XXXX a former creditor of mine continues to report an old account on my report despite the account being written off as bad debt. Since the count is written off as a loss it counts as a write-off for the bank and as ordinary income for me ; however, the bank has not provided me with a form 1099C so that I may file taxes against this additional income. Instead that continue to report the account as charged off on a monthly basis ( which is inaccurate as well because it was only charged off one time and therefore should only be reported once ) they also report it as having a past due balance which is all inaccurate because the balance should be XXXX since they have forfeited their right to collect the debt as a charge off. Given the above, this item should be deleted from my report as it is inaccurate. I have made attempts to request a 1099C from the bank and have not gotten a response ; however, the fact still remains that with or without that form this entire item is inaccurate for the reasons stated above. Deletion from the three major credit bureaus is hereby requested.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (TX)

On XX/XX/2021 my wife and I stopped by a kitchen remodel store called XXXX XXXX. We had a meeting with their sales rep and they said they could build us a new kitchen. After the meeting we signed a contract. Three days later we cancelled and told the sales rep. He said he would notify the owner but days later we received three credit cards from Synchrony bank totaling close to {$34000.00}. We have tried contacting Synchrony home since XXXX XXXX XXXX and they still do not resolve. We told them that we have not received any good or services from the owner of XXXX XXXX XXXX XXXXXXXX . Synchrony home always takes the merchant 's side. I have told Synchrony all they need to do is send investigator over to our house to show us what XXXX XXXX has provided for us. Nothing was provided and they want to charge us. They need to send bill and charges to XXXX XXXX because he must have taken the money from Synchrony and ran, never providing us with any goods or services.