davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-15
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. (VA)

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 XXXX XXXX against you.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 XXXX XXXX against you.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Bread Financial Holdings, Inc. (TX)

i am constantly receiving letters from account aren't mine or some letters denied credit that i haven't apply for and one day not to long ago i when to XXXX tried to open a credit want to remodel my kitchen and i was told i had credit already i never apply for such credit with XXXX. so and all the letters lately receiving and i got one time back in XXXX XXXX at XXXX XXXX XXXX report was made by me at the XXXX XXXX XXXX location restaurant at XXXX officer 's XXXX XXXX XXXX XXXX XXXX when unit number according to this report is XXXX and report number is XXXX title : burglary of motor vehicle they crack or break my passenger side of the vehicle taking with them a full back pack pink with all my personal documents, income taxes driver license and a XXXX, not only that but personal documents from customers that I translate because I also work for this Attorney his Name XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX his number is ( XXXX ) XXXX he is a board certified Attorney also practice diferent types of law and on that day i had alot of Immigration documents already translate and ready to be send out with original passports. then on XX/XX/ i when to my local police station and file a identity theft report no. XXXX  officer XXXX because all the letters i was receiving that i was sure weren't mine.
Consumer complaint received 2021-04-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (GA)

AMERICOLLECT INC. at XXXX XXXX  XXXX XXXX, XXXX has been sending me collection notices in the amount of {$2000.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I was looking over my credit report and found some addresses that appear to be incorrect. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have attached a letter as well as my Identification
Consumer complaint received 2023-06-30
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Upstart Holdings, Inc. (GA)

On Friday, XX/XX/2023, I contacted XXXX XXXX XXXX XXXX XXXX via chat after speaking with XXXX XXXX, XXXX and being informed, for the first time, XXXX XXXX had my debt. XXXX XXXX gave me reference number ( XXXX ) to give to XXXX XXXX. After speaking with XXXX XXXX, I was informed by the agent that my file was " no longer '' in their system and they gave me a number to call XXXX. XXXX said they didn't have my file and gave me another number to call. I spoke with at least XXXX different debt collection agencies that day and gave out my PERSONAL information over 5 times, only to be told by each representative the same thing - 'they do not have my file. ' XX/XX/2023, was the very first day that I have ever received any communication from XXXX XXXX XXXX, despite being told that my information was not on file. I emailed them back requesting verification, but they never responded. Today, XX/XX/2023, I reached back out to XXXX XXXX via chat and was conveniently told they had my file AND they received my email. 

I asked a myriad of questions for clarification on why I was given the wrong information, why it took so long for them to reach out to me, and what actions were taken for them to now have this debt - considering when I asked, they said they did not have it. The agent I spoke with today is the same agent I spoke with on XX/XX/XXXX. He would not give me any straight answers and essentially, blamed me for giving the wrong reference number during our first conversation ( the number XXXX gave me to give XXXX ) ; yet, he made no attempt to even investigate during our first communications. After speaking with XXXX XXXX today, I re-contacted XXXX and was informed ( again, for the FIRST TIME ) that my file was initially with XXXX XXXX and I could contact them for further information. 

All in all, I have been attempting to verify this debt for MONTHS. I never received any communications from any debt collection agencies until I reached out to them. The only reason I knew of these agencies was because I noticed charge-off on my credit and disputed it. There has been no written or verbal communication with me from the original creditor or any debt collection agencies until I initiated an investigation. I have been given false information, ran around in circles, and ultimately, mistreated. This is severely affecting my credit and I can't get approved for a home because of it. Nothing about this makes sense nor does it feel ethical. I have disputed this numerous times with each Credit Bureau and provided documentation for each encounter. 

I am attaching documentation of my conversations and falsely reported payment history.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2022-11-28
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. (NV)

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX business days. Ive already included this in my previous complaint & I am including it again., 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 2024-03-25
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: EQUIFAX, INC. (NJ)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-11-19
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)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX Credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX Balance : {$360.00}
Consumer complaint received 2023-06-30
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. (TX)

I recently checked my credit report and noticed some inquiries that I did not authorize. 
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 2022-11-28
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2017-05-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Prosper Marketplace, Inc. (WI)

I am a   XXXX   XXXX   in   XXXX   XXXX   to   XXXX   XXXX  . Today (  XX/XX/XXXX  ) they sent out a generic email stating there was an account update and to log in to see it. Upon login, a small window opened saying that they had made an unspecified error in calculating returns and that our account should now show correct information. When I closed the window there was no way to view the message again and no further explanation to be found anywhere on the site.      Prosper  does not provide return calculations on their statements, so I have no way to show what the provided return was at any given point in time. However, I texted my father on  XX/XX/XXXX  that my return was 16.81 % as provided by  Prosper. Upon logging in today, my return is shown as 9.42 % Prosper has been routi nely, and I suspect knowingly, overstating returns for years. At no point since I first invested in the platform in   XXXX   has my return been stated at or below 9.42 %, whereas  Prosper 's   restated returns show many years with a return under that amount. I follow the peer to peer investor community forums and I am not the only person experiencing this today, virtually everybody is reported returns restated to lower values.     Finally, becaus e Prosper has r ecently removed the ability to sell notes on a secondary market, there is no way to liquidate my investments with them. I simply have to accept my new, lower returns and slowly pull money from the platform as time goes by.
Consumer complaint received 2023-06-09
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. (TN)

I did not authorize XXXX  To 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 please remove these hard inquiries on my report did not authorized this Thanks
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Sezzle Inc. (CA)

So as a XXXX  I try supporting XXXX owned businesses such as XXXX I made a purchase at XXXX XXXXn XXXX and then started making payments on it and was finally able to make the last payment in XXXX of XXXX. I know this is not what XXXX is for. It making a purchasing and paying ir off in 4 payments every 2 weeks. 

I suffered a motor vehicle accident and also while I was being treated for a motor vehicle accident I suffered a XXXX XXXX  making me forget the payments on the XXXX count and after tying up loose ends and getting back to work and getting back on my feet I was reviewing my credit report and XXXX  is saying that Im having a charged off balance with {$270.00} and hes unable to allow me to make purchases even though I have a purchase limit of {$350.00}. 
I know that XXXX  makes the decision to approve or decline a purchase at the time the purchase is made but because I have a incorrect charged off balance of {$270.00} I believe The computer system automatically declines any transaction regardless of the amount or the transaction total because all of the transactions I have tried Ive been under my limit of {$350.00} and also have a credit card on file that is valid and a checking account that is valid with a positive balance and a credit card that has a available balance of at least {$200.00} so I know that I can make the down payment and continue the payments every XXXXo weeks when it is due because I made the first three payments on time but now XXXX is reporting a incorrect balance to the three credit reporting agencies and late payments which is a violation of the fair credit reporting act and is subject to civil litigation. I try and support XXXX supported and owned businesses as being an XXXX service member but it seems that XXXX doesnt care or doesnt want the business from fellow service members or XXXX and I find that insulting. I have included proof that the total balance has been paid from the XXXX app on my phone and demanding that the XXXX account be removed completely from all credit reporting bureaus and that my XXXX  privileges be reinstated and be able to use my limit of {$350.00} as I meet the minimum requirements. 

I have tried contacting customer service twice in the past month Im not good on exact days that Ive contacted them but customer service has no clue what I am talking about or there is a conflict of language being that they are in either another country the XXXX or XXXX I am not too sure I wanted to support XXXX  over the other 4 make payment program such as XXXX or Zip. They are more then happy to take money and use their service but XXXX doesnt care and just declines purchases based upon inaccurate information that they are reporting to the credit bureaus and that is in their computer system.
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP (NY)

Regarding Keybank credit card account number XXXX I entered into an agreement thru XXXX XXXX XXXX on XX/XX/2020 wherein Keybank agreed to accept monthly payments of XXXX. However, they continue to report as delinquent 30, 60, 90 days. Neither Keybank or XXXX when I dispute will agree to change the status even though I am making the monthly payments as agreed.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2023-05-23
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 — Problem with personal statement of dispute
Company: CONRAD CREDIT CORPORATION (GA)

I went on a vacation with my family of XXXX. I rented a condo through XXXX and when we stayed, we got bombarded with sellers about the benefit of staying at at XXXX XXXX XXXX. My wife and I didn't know what to do and told them we would think about it, but they already had all our information 's and month later I found out i had a contract that I couldn't get out of it. When calling to cancel, I was told that it is too late to cancel and that I have to pay for it. When I found out who own the loan and try calling to cancel, I was told the same thing. I was left with a fraudulent account for over XXXX  USD. This account has been destroying my credit report for many years and i tried everything and they never try or said anything about this fraudulent. I never agreed on that day that I would finalize the deal they went ahead and did it themselves without my consent. I want them to remove this fraudulent information from my credit report. Thank you in advance.
Consumer complaint received 2023-02-02
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: EQUIFAX, INC. (CO)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against these agencies a late payment on my credit card account. THe following accounts is listed below XXXX. XXXX XXXX Account number : XXXX Date opened : XXXX XXXX, XXXX XXXX. XXXX XXXXXXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. XXXX Of XXXX Account number : XXXX Date opened : XX/XX/XXXX According to XXXX5 U.S. Code 1666b, a creditor may not treat a payment on a credit card account as late unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( b ) of the title, is mailed or delivered to the consumer not later than 21 days before the payment due date. 

In this case, I believe that XXXX XXXX did not comply with the regulations outlined in 15 U.S. Code 1666b, as my payment was treated as late despite being made within the required timeframe.

I am requesting that the Bureau investigates this matter and takes appropriate action to rectify the situation, including removing the late payment from my credit report and ensuring that XXXX XXXX is in compliance with the regulations set forth in 15 U.S. Code 1666b. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (FL)

In XX/XX/2022 i make One loan online for $ XXXXwas deposit a my account, my XXXX was recibe status payment for the Mony was deposite inXXXX, XXXX  my loan was for {$500.00}, i begain make payment payment every two weeks for {$170.00} today XX/XX/XXXX i make payment for {$1200.00} is over paid and now my due is {$1600.00} my due for One loan for {$530.00} is {$2800.00} mas {$170.00} my Bank no paid total the Mony is {$3000.00}. Is normal This fraude i need solution for this company. an stop Charges a my Bank for this fraude payment.Company Makwa Finance
Consumer complaint received 2022-11-28
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-11-04
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-11-28
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. (MD)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.