davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have proof that the company I work for made a banking error in our payments and I get paid every XXXX and XXXX of the month. XXXX XXXX was not only given a letter to revoke security interest and liens and repo but I explained to them that I would have made a payment on the XXXX if I had been paid but my job made a mistake. Instead they reported that my account was 30 days delinquent and it is not! I have to move at the end of the month and I need this correct ASAP. Please remove this delinquency as soon as possible. Its not supposed to be on there.
Consumer complaint received 2023-08-08
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. (IN)

To whom it may concern, I have sent Experian Credit Bureau information about inaccuracies on my credit file on XX/XX/2023. Accounts which where in question are XXXX XXXX  ( 2 ), XXXX, XXXX, XXXX XXXX XXXX  ( 2 XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have received a response on XX/XX/2023 that all disputed items are not on my credit file. As of XX/XX/2023, all disputed items are still on my credit file. It doesn't take three months to delete or remove items from my credit file, as these debt collectors are quick to extort money and harass consumers over a debt that is not theirs.
Consumer complaint received 2024-09-01
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. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-09-27
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. (MA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I have a Best Buy rewards card that runs as a credit card thru Citibank. I noticed my balance wasnt decreasing as I was paying my card every single month. I knew something was wrong. When I gave them a call they had said that I was paying into a program called debt protection which I have never authorized or even heard about. It was charging me XXXX a month! Furious, I complained and cancelled the service with the promise that I would either receive a credit to my account or receive a letter stating the process on the issue. Its been about 6 months and still no word. I call at least once a month and still have not gotten any progress. I will NEVER use this card ever again. Im am greatly unhappy and disappointed in the services and bs that Citibank provides. Charging customers without consent is a criminal charge!!!!
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My mother added me and my spouse to a credit card as authorized users about XXXX years ago to boost our scores, it was appreciated and helpful until my dad died. She has in these past XXXX years gotten XXXX, XXXX  XXXX, ect and ceased paying her cards among a variety of other things. The card has been closed for more than XXXX years at this point in time. I've disputed this with Equifax multiple times with no results other than them saying that it's my debt. XXXX, removed it after XXXX disputes. XXXX removed it without me ever having to ask them. Equifax refuses to remove this from my credit report. I've disputed this XXXX or XXXX times now. XXXX bank is not able to even be contacted because you have to have a account with them to get past the robot answering machine.
Consumer complaint received 2023-08-08
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have proof that the company I work for made a banking error in our payments and I get paid every XXXX and XXXX of the month. XXXX XXXX was not only given a letter to revoke security interest and liens and repo but I explained to them that I would have made a payment on the XXXX if I had been paid but my job made a mistake. Instead they reported that my account was 30 days delinquent and it is not! I have to move at the end of the month and I need this correct ASAP. Please remove this delinquency as soon as possible. Its not supposed to be on there.
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. (TX)

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXX FCRA violations : not my names XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA XXXX XXXX not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Single XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Resident type XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Resident type XXXX XXXX FCRA violations : accounts not mine XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Account charged off. 

FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$25000.00} Status Open.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand that according to FCRA 605B, it's required to remove any inaccurate accounts from my credit report. Could you please take a look at the documents? I've noticed that several of the listed accounts seem to be incorrect, which is concerning to me.
Consumer complaint received 2023-08-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2022-11-29
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. (TN)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.
Consumer complaint received 2018-06-05
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: Bread Financial Holdings, Inc. (AZ)

XXXX XXXX has refused to provide any information such as an account number since they took over the billing for XXXX XXXX. They have put negative reports on our credit stating we have not paid. Each time I call to get information on the account, I am told the only way to get the account number is to reapply with for their credit card. I explain to them I will not pay a bill to just " some company '' calling me stating they have taken over the account that I need something in writing with an account number. I have been going through this since XX/XX/2017 only to be back at square one. Negative credit reporting and no proof of account. As I have told them, if they look at the payment history- this account was NEVER late until they took over and left no option to provide proof if they are a legitimate company. They are willing to take a payment, but provide no proof of my account.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 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 2023-06-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (UT)

I tried to transfer money from my account. I was told that it had been labeled inactive, so it needed to be reactivated before I could access my funds. I was told that i need to send a letter to a XXXX XXXX office to process the request. Thta was a week ago. I have been on the phone with customer service daily. No one can tell me if the letter has been received or processed or when I might be able to receive my money. They provide no help at all and refuse to put me in contact with someone who can. There is an urgent timeline, as the money is needed in two weeks to close a home loan.
Consumer complaint received 2023-08-08
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: Resurgent Capital Services L.P. (GA)

To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so.

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way.

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Consumer complaint received 2023-06-19
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  Account # 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.
Consumer complaint received 2023-12-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc. (MO)

I got mail from TekCollect that I owe {$120.00} with an account number XXXX from XXXX XXXX XXXX as of XX/XX/2023. 
I have contacted the company XXXX XXXX XXXX XXXX ) and reported this. XXXX XXXX XXXX confirmed that I did not owe any amount and my insurance was claimed. This is regarding the reference number XXXX.
Consumer complaint received 2024-09-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANCO POPULAR DE PUERTO RICO (VI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VI XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PR XXXX XX/XX/year> RE : Loan No # XXXX, XXXX, XXXX My credit report shows a charge off or collection from your agency, I was never notified of this collection and has also requested a copy of the 1099C form which youve failed to supply to me. I do believe that this debt is not accurate and under the fair debt collection protection act, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of the following.

1. Form 1099C 2. An Explanation of the alleged account balance is 3. A calculation of this balance including the complete payment history on this account so I have proof the debt amount is correct 4. Documentation that shows I agreed to pay this debt 5. A copy of your state license including license number.

As you may know, claiming a profit loss write up means that this debt was paid in full, and I am required to have a copy of the form 1099C for my tax filing.

Stop contacting me regarding any other matter until you can provide the accurate verification of this debt. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

Over two years ago my bankruptcy chapter XXXX file was discharged, and I know it will be in my credit report for 10 years. During this past two years, I have been working to get better with my credit which I have gotten better according to my credit report, but the credit bureau, Experian, has treated my score unfairly and abusive, I think. From a credit score really bad, I have been able to get it to XXXX and for no reason at all they took 15 points down leaving me with a credit score of XXXX. I have disputed my report trying to get an answer why my score dropped down like that and for too many points down. I have contacted them by emails after the result which was unsatisfactory due to the answer I got : " Credit scores can change as information on your credit report is updated. Here are some of the most common reasons why scores may have gone down : A delinquent payment was reported ( which not apply to me ), Your credit card balances have climbed ( which not apply to me ). An account was opened/closed ( which not apply to me, at least not within several past months ). You've recently applied for new credit. ( which was several months ago ). An account on your credit report has aged off ( which in my case, all old accounts was in my bankruptcy chapter XXXX two years ago ) ''. If anything should happen with my credit score is to go up not down, because I have kept my auto loan, credit card, rent, utility, etc. up to date with no late payments or anything that could caused my score dropped down. I need help to investigate why am I being treat it unfair and abusive with my credit score. My credit report shows that for over two years I have kept an exceptional record.
Consumer complaint received 2023-08-08
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. (NV)

I want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.
Consumer complaint received 2023-09-27
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (FL)

Credit Management Lp indicates I owe {$940.00} date of debt XX/XX/2023 until XX/XX/2023 for a one month term service. I have never had a account for XXXX.
Consumer complaint received 2020-12-23
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: Experian Information Solutions Inc. (AR)

I have sent several letter to companies by the names of Experian, XXXX, and XXXX, yet they have failed to respond to my dispute letters. I have not received any responses over the last 6 months.
Consumer complaint received 2020-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (WA)

Previous correspondence as attached ( ref XXXX dated XX/XX/2020 ) regarding account ending in XXXX states clearly this account is closed at a zero balance and furthermore AMEX considers the matter closed. Company has attempted to reverse again it's decision after the fact but has failed to request additional information or provide justification to continue this matter. All attempts to deal with reps have failed as none have any authority to make decisions or even understand the account and seem unaware of the attached or pretty much anything at all. 

This matter is closed as per the attached binding document and any documentary evidence, written or oral provided already to AMEX.
Consumer complaint received 2023-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MI)

In the year 2023 I have sent money via XXXX to friends XXXX times for a total of {$720.00} using my Chase Saphire credit card. I have been charged {$10.00} transaction fee each time for a total of {$320.00}. This equates to transaction charge of 44.4 % plus the additional APR charges that are part of my normal credit card. I contacted Chase and they said this is part of the terms and conditions. The most aggregious instance was when {$2.00} was transferred to a friend and I received a {$10.00} transaction fee which equates to a 485 % financing fee. 

Below are all of the charges : XX/XX/2023 - {$2.00} XX/XX/2023 - {$21.00} XX/XX/2023 - {$92.00} XX/XX/2023 - {$12.00} XX/XX/2023 - {$5.00} XX/XX/2023 - {$5.00} XX/XX/2023 - {$10.00} XX/XX/2023 - {$10.00} XX/XX/2023 - {$82.00} XX/XX/2023 - {$5.00} XX/XX/2023 - {$87.00} XX/XX/2023 - {$25.00} XX/XX/2023 - {$10.00} XX/XX/2023 - {$20.00} XX/XX/2023 - {$5.00} XX/XX/2023 - {$3.00} XX/XX/2023 - {$5.00} XX/XX/2023 - {$20.00} XX/XX/2023 - {$6.00} XX/XX/2023 - {$17.00} XX/XX/2023 - {$13.00} XX/XX/2023 - {$31.00} XX/XX/2023 - {$5.00} XX/XX/2023 - {$20.00} XX/XX/2023 - {$10.00} XX/XX/2023 - {$9.00} XX/XX/2023 - {$20.00} XX/XX/2023 - {$15.00} XX/XX/2023 - {$15.00} XX/XX/2023 - {$15.00} XX/XX/2023 - {$30.00} XX/XX/2023 - {$51.00} XX/XX/2023 - {$30.00}