davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Good evening. 

My name is XXXX XXXX, I am contacting you all in an agregiance attempt to remedy an ongoing issue that I have been experiencing with TransUnion. I have repetitively sent letters to the agency with the most recent tracking number of XXXX to assist with the inaccuracy of my reports. The agency has persisted on accusing me of not sending these requests on my behalf. They have even went to the extent over the phone to tell me that I could be a credit repair company calling in. Now, they pretended like they were going to open my dispute and they sent me a letter stating that what I sent was illegible and not valid just another reason for them to not correct the errors on my reports. They have attempted to exploit my rights to dispute via mail and have repeatedly tried to coerce me into disputing online or over my phone, which I have stated that I do not want to do. I have been advised a manager that they will continue to deny my disputes until I dispute via online or phone. 

We can agree that these actions display several violations under the FCRA, we can also agree upon review of my file that they have never conducted a proper investigation to my accounts. I am pleading as my final chance of waiver before litigation. 

Please review my file and the attached documents
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (IN)

Comenity Capital Bank issues the XXXX XXXX credit card. 
My credit card was frozen due to inaccurate credit reporting from XXXX XXXX. 
My card is current and in good standing.. 
When I made an inquiry with Comenity asking what's the problem, they stated my account was frozen because Alleviate Debt Consolidation was the Power of Attorney and had included XXXX XXXX credit card in a debt settlement plan. 
I disputed that was inaccurate. Comenity Customer Service transferred me to XXXX stated, '' there's no problem with your account it's not in collection ''. I was transferred, put on hold, disconnected and sent to a total of 3other departments who were no help at all! 
Finally a department said I must submit in writing to a specific address, the disputed inaccuracy, my name, address, cc #, social security number and signature. 
I complied and mailed a letter with information as well as sent the letter via email, too. That was in XX/XX/2022! I was concerned because letter had all my personal information in it! To this day no one has contacted me and the account is still frozen! I have submitted all required documentation, yet there is no resolution and or response! 
Frustrated with poor customer service and outsourced customer servicing which is horrible business practices, I mailed a customer complaint letter to Comenity Capital Bank Corporate office. 
Therefore, I am filing a complaint to CFPB. As a consumer, I should not be shifted around to one department after another and no one make the correction and unfreeze my account. Comenity Capital Bank has terrible business practices and do not value the customer!
Consumer complaint received 2022-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my second time not receiving an update about my investigation. I have been wasting money on stamps, and ink to send out my letter. Its been more than 60 days and not response via emailand i, really disappointed. the account in my credit report is inaccurate and unverifiable.. I am authorizing this complaint with proof of the disputes i sent out I need your help to review to REMOVE OR UPDATE these inaccurate informations immediately 1. Under 15 USC 1666B this is a billing error Date last active and date of last payment shows inaccurateacross all 3 bureaus his is an error this account in violation. 
XXXX XXXX XXXX Account number : XXXX I have paid as agreed on time this is an error please audit the account and update to paid as agreed 2. This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX XXXX Account XXXX As a consumer by law this account must be deleted immediately. 
3. Under 15 USC 1666B this is a billing error Date last active and date of last payment shows inaccurateacross all 3 bureaus his is an error this account in violation. 
XXXX  Account number XXXX I have paid as agreed on time this is an error please audit the account and update to paid as agreed 4.Under 15 USC 1666B this is a billing error Date last active and date of last payment shows inaccurateacross all 3 bureaus his is an error this account in violation. 
XXXX XXXX XXXX  Account number XXXX I have paid as agreed on time this is an error please audit the account and update to paid as agreed
Consumer complaint received 2017-02-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Columbia Credits, Inc (OR)

The Collection agency in question is based in my office building, Columbia Credits Inc. My dog had a run in with another dog in the parking there lot and although it was abundantly clear no damage was done, they took the dog to the vet are now attempting to charge me for the consultation and some XXXX medicine the dog received. They think because they are a collection service they can serve me with a bill and are threatening that they 'll take me to court over it. Please help, I signed no agreement to pay any money, I owe nothing, they are just clearly quite ok with blatantly breaking the law.
Consumer complaint received 2023-04-13
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. (NY)

I recently disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.
Consumer complaint received 2022-10-22
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. (SC)

XX/XX/2022 I have attached my most recent credit report in the mail on XX/XX/2022. It shows my Equifax credit score of XXXX but the Equifax website shows my credit score at XXXX ( screenshot ). The fair credit reporting act states that a consumer credit report must be accurate. I have been denied credit due to this inaccurate scoring.
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (FL)

UN-AUTHORIZED INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BLINCLOANS, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a result I fell behind on payments. I spoke with a representative from XXXX XXXX that offered me re-mortization on loan. She told me that after I made XXXX XXXX payments that they would forgive late payments and report loan as current to credit bureaus which has not happened even though I'm making payments on time. As a result, the reported late payment is negatively impacting my credit preventing me from closing on my house. I have worked hard to improve my XXXX XXXX. I called company and requested removal of late payment and a representative told me that they can't remove late payments once it's report. Please help!
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I filed a dispute with this company CFPB and TransUnion and XXXX on or about XXXX XXXX. I have not heard anything back from the CFPB, I also filled a dispute with TransUnion and XXXX regarding my Credit Report. I Request that you follow up with TransUnion and XXXX about the dispute I filed. It has been over 30 days and I have not heard anything about the dispute ( s ) I filed. These companies are commiting Fraud with no accountability when they report inaccurate Accounts on a Consumers credit reports.
Consumer complaint received 2023-04-13
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: EQUIFAX, INC. (AL)

I am writing to request the removal of unauthorized credit inquiries on my Equifax, XXXX and XXXX credit reports. My latest credit reports show six ( 6 ) hard credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 
Item No. Creditor Account 1 XXXX XXXXXXXX  inquired on XX/XX/XXXX XXXX & XXXX 2 XXXX XXXX XXXX inquired on XX/XX/XXXX Equifax 3 XXXX XXXX XXXX services inquired on XX/XX/XXXX Equfax 4 XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX Equifax 5 XXXX XXXX XXXX inquired on XXXX XXXX XXXX XXXX inquired on XXXX XXXX
Consumer complaint received 2022-10-22
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: EQUIFAX, INC. (AZ)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6900.00} ), XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$6500.00} ), XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ), XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$510.00} ), XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$770.00} ), XXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXXXXXX, Open Date XX/XX/XXXX, Balance : {$2400.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-04-13
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Kinum, Inc., Indianapolis, IN Branch (AR)

The company, XXXX, is attempting to collect a debt I made in taking a private company 's software engineering course. I told them I am going through bankruptcy. They said they didn't believe I was going through bankruptcy, and furthermore, it's an education debt. The collector was trying to scare me into paying it ( obviously because he gets more out of it if he can make me pay on it over the phone ). I explained to him it's not a Department of Education loan nor a bank loan and he knows that perfectly well. He continued to be a jerk about my going through bankruptcy and his disbelief and treated me as though I was stupid. I finally gave him my lawyer 's name.
Consumer complaint received 2022-10-22
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: Experian Information Solutions Inc. (AZ)

On XX/XX/XXXX I contacted Experian about the following negative accounts 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 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. Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KY)

this company as well its other gang XXXX gang memebers aka Experian, XXXX, XXXX, XXXX XXXX, XXXX XXXX etc. all have taken the liberty to make hand over fist on my persoanl private consumer information. they continusly violate my consumer rights and the FCRA guidelines on how to properly obtain and give out my persoanl information.
Consumer complaint received 2022-12-21
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)

Im a Victim of fraud, my identity was exposed on the XXXX XXXX, from the Experian XXXX data breach and the XXXX data breach. I demand this account be deleted immediately and blocked from ever reporting on my credit report. The law prohibits any fraudulent accounts from being reported on my credit report. This has defamed my character and dropped my credit report by over 100 points. I demand immediate removal failure do so will result in XXXX  per violation escalation to CFPB, FTC, and FDCPA. I demand all accounts listed to be removed and blocked from any future reporting.
Consumer complaint received 2023-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2022-10-22
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: EQUIFAX, INC. (AZ)

XXXX XXXXXXXX XXXX XXXX I contacted Equifax about the following negative accounts 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 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 Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-12-21
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$1300.00}
Consumer complaint received 2022-12-21
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$1300.00}
Consumer complaint received 2023-04-13
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. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
ONLINE IN SV XXXX XXXX XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy 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 XXXXK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2020-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

I have a coinbase wallet account with Coinbase and was recovering a wallet with my 12 key passphrase, when I recovered my wallet I had noticed that {$500.00} worth of Etheruem ( cryptocurrency ) has vanished XXXX I have not done any transactions with this currency for the money to leave my account
Consumer complaint received 2020-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I have a loan with Bank of America. At the beginning of XX/XX/2020, Bank of America assessed a {$5.00} fee on my mortgage, without giving any reason. Whats more, they marked this {$5.00} as past due, probably with the intention to rush me into paying at as soon as possible. Since its just {$5.00}, I paid without asking why. 

And then they got greedy. At the end of XX/XX/2020, they, once again, charged my mortgage with {$5.00}, also called it past due, without giving any reason. 

This despicable practice of Bank of America deserves a serious investigation.
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MD)

I mailed in a cashier 's check in XXXXXXXX XXXX XXXX in which they cashed at the end of XX/XX/year>. Since then Citi Bank Costco Card has not applied the payment to my account. They continue to request a payment when one was mailed to them. I even mailed a copy of the processed check showing that they cashed it and they still will not post a payment. I've launched payment investigations with them and they will not respond back with any results.
Consumer complaint received 2022-12-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (NY)

I never received a PURCHASE MONEY LOAN CASH ADVANCE from Wells Fargo Bank NA or any of its associates, So there is no debt of a mortgage if there is please provide me a copy of my wet ink signature on your purchase money loan cash advance I received. This corporation is in violation of identity theft as they continue to fraudulently operate against my XXXX and XXXX claiming and reporting against my employer in the amount of XXXX.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion continues to show XXXX XXXX XXXX XXXX XXXX as open account when it is closed. It should show closed by consumer, XXXX balance but it continues to show open. 
I have reported this XXXX XXXX  so far and it continues to be sent to me wrong, I have attached. 
It is frightening to know this company exists and keeps putting out wrong information. 
should be closed.