davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
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: SYNCHRONY FINANCIAL (NC)

Someone opened a PayPal credit card account in my name in XXXX of 2021 and kept charging to the account and didnt pay any balance and ruined my credit. The phone number to reach PayPal is XXXX XXXX XXXX XXXX XXXX Florida XXXX I dont have a full account number because I didnt open this account. I would like to report this as fraudulent someone stole my identity to open this.
Consumer complaint received 2023-01-09
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. (OK)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-13
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. (OH)

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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance Owed : {$720.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX Balance Owed : {$5300.00} XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX Balance Owed : {$4900.00}
Consumer complaint received 2022-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE (NJ)

XXXX XXXX deposit made on timeshare {$12000.00} XXXX XXXX canceled the purchase by registered letter / and email within the applicable time. 
XXXX XXXX acknowledges email XXXX XXXX they want me to agree to fees that are not part of the timeshare purchase, I never agreed because it was not part of the purchase. 
No Credit was given XX/XX/2021 Requested Barclays Bank Delaware dispute the charge asked for credit for a full refund. 
Barclays Bank Delaware never responds to my dispute claim I called several times and they gave me a case number Barclays Bank Delaware never gives any written explanation of the creditors determination Barclays Bank Delaware puts the credit card account in collections XXXX XXXX requested relevant documents in the determination of the dispute. 

There was a second credit card used for the same transaction we also put that in dispute which was resolved by the credit issuer in our favor for the full amount charged. A credit was issued. 
It was the same purchase identical letters were sent and only one card was resolved. An application for credit was given to me at the resort and Barclays Bank Delaware ( RCI card ) favored the resort. Never responded to my request for a refund. Did not respond within 30 days. They never sent a determination. Nor did they resolve it within 90 days.
Consumer complaint received 2022-09-25
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. (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. Also, I have not authorized this transaction or authorized anyone to use my information to open this transaction. 

This request has NOT been made in error, it is NOT a misrepresentation of material fact relevant to the request to block and I have NOT obtained possession of goods, services, or money as a result of the transaction issue.
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been working with the reporting agencies for months now trying to have public record information deleted from my personal credit reports but with no luck. However, based on the information that I have found per the NCAP it states two things required : The public record data must have your name, address, and either your Social Security number or your date of birth. 
The data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records. After reviewing my 3 CRA records this information is not listed on the public record that is attached to my file. I am requesting that this public record..ie : bankruptcy information be deleted from all 3 CRA accounts ASAP per my right based on the NCAP law.
Consumer complaint received 2017-12-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (TX)

This agency is reporting a debit on my credit report without proper documentation to collect. The State of Texas requires an ACTIVE license or Surety Bond to Collect a Debt. or report a debt in the State of  Texas. Please delete this account from my reports
Consumer complaint received 2022-09-25
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. (FL)

These accounts are not mine but is reflecting on my credit reports. 

XXXX XXXX  Acct # : XXXX Opened : XX/XX/XXXX Amount : {$100.00} XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$25000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX and XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Consumer complaint received 2022-09-25
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. (FL)

This account is not mine but is reflecting on my credit reports. 

XXXX XXXX Acct # : XXXX Opened : XX/XX/2020 Amount : {$100.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Consumer complaint received 2023-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I applied for a Capital One Venture X credit card. I was denied, supposedly for too much credit. I called and asked what was the specific issue. The agent would not tell me. I had an ING Direct savings account back in the early 2000s. This is covered all over the internet as to be an issue that Cap1 does not like these customers. Hello, Cap1 bought ING Direct. I am also XXXX man with a husband, retired with substantial assets. There seems to be discrimination issues being practiced at Capital One Bank.
Consumer complaint received 2022-09-25
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. (NJ)

During the beginning of Covid in 2020, I contacted my credit card XXXX XXXX Bank and made them aware that I was affected by XXXX, I contacted XXXX and I wouldn't be able to make every payment on times. I indicated to them about the CareAct and was assured by many representatives to continue making payments whenever possible and all late payments would have been removed from my credit report. Thus far, none of it has been removed and this has affected me severally financially.
Consumer complaint received 2024-03-13
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: EQUIFAX, INC. (TN)

I have disputed inaccurate information with the credit bureaus and have yet to get any updates from them regarding this manner. It has been well over 30 days since I have contacted them and I have yet to hear back from them. I sent letters off to them on XX/XX/2024. I feel like I am being taken advantage of and that my situation is not being taken seriously. According the FCRA any accounts that are unverifiable and inaccurate must me removed immediately. I also was impacted by the equifax data breach. If this matter isn't resolved I will be forced to file litigation due to the stress this is causing me. Thanks for your help with this matter.
Consumer complaint received 2023-02-23
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. (MD)

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-01
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation (GA)

I have disputed the XXXX/Bridgecrest account on my credit report for inaccurate information several times since XXXX, again in XXXX, and most recently sent in again in XXXX of XXXX. This account has multiple inaccuracies being reported which have been negatively impacting my credit. In some instances it shows as an open account. This account is not an open active account. Second it has a charge off status and is reporting a past due balance of {$600.00}. How can an account that was charged off in XX/XX/XXXX still be reporting as open, active and with a past due balance? Furthermore based on how The Internal Revenue Service treats charge offs as ordinary income and income can not be reported on consumer reports. According to 15 US C 1681 e ( b ) Accuracy of Report Whenever a Consumer Reporting Agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individuals about whom the report relates. I have previously requested that you delete this account and now will be escalating to the CFPB as I believe that XXXX/Bridgecrest is in violation of 15 US C 1681 s2a Reporting Information with Actual Knowledge of Errors 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 information is inaccurate.
Consumer complaint received 2019-11-28
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. (GA)

I have contacted Experian along with the creditor for more than 3 months it is now going on 150 days where i have requested an original instrument contract bearing my signature. Ive asked both parties to send this information and none have been able to send this information. I am unaware of the fraudulent accounts and i have sent documents when asked of me but i haven't received any original contract with my signature. 1. Dept of EducationXXXX & 2. XXXX XXXX 's. I don't recall applying for any credit or finance. I have only applied for credit in person. I have filed an FTC, i have filed a complaint with the XXXX XXXX XXXX, i have contacted the Attorney General office and have filed a lawsuit on all three parties for slandering my name and credit file. I have asked Experian, to provide such instrument contract of originality with my signature but they have failed to provide me which such documents. All 3 parties have violated The FCRA sections 609, 605, 611 and many more. I won't accept this to continue any longer. I have been treated unfairly, i have been harassed by telemarketing numbers by creditors and credit bureaus. As i dispute the accounts before they were removed but placed back on my credit file. I never agreed to either companies or parties accessing my credit without my authorization with neither accounts. I have asked Experian for the procedure that was taken and how the steps are taken to exactly investigate the accounts properly but i was hung up on the phone, they denied me access and treated me like a criminal at times. I am in distress and saddened to see that we are in a battle war with the credit bureaus and creditors. No one can say an account is yours if they don't have any evidence that you signed for it. I never signed any applications in person.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I am writing to dispute an account that is currently showing up on my credit report. The account is with XXXX XXXX and it is listed as open. However, I have not received any confirmation or active account status from them that I am legally obligated to. 

I request that you remove this incorrect, unverifiable account from my credit profile immediately as it is causing me significant harm to my credit score. I have made numerous attempts to rectify the situation with the company, but they have not been able to provide me with any information or documentation to support I have an account account with them. 

I understand that it is your responsibility to ensure that the information on my credit report is accurate and up-to-date. Therefore, I urge you to investigate this issue and remove the account from my credit profile if it can not be verified. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX about removing late payments they reported on my account due to me having to support a family member who passed away from COVID-19. I received a letter saying they would remove the information from my consumer reports but has yet to do so.
Consumer complaint received 2017-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MD)

I sent a letter asking the company to validate the account on XX/XX/XXXX and they sent me a bill from the original creditor with a XXXX balance. They are still requesting me to pay XXXX and they are still reporting on my credit reports.
Consumer complaint received 2022-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has Violated my rights. 

XXXX5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section it also states a consumer reporting can not Furnish an account without my written XXXX. 

15 USC 1666 B ; A Creditor may not Treat a payment on a credit card and open-end Consumer credit plan as Late for purpose.
Consumer complaint received 2021-12-28
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. (TX)

IVE BEEN TRYING FOR MONTHS TO REMOVE ITEMS THAT ARE FRAUD ON MY ACCOUNT, I EVEN FILED A XXXX REPORT.
Consumer complaint received 2019-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I terminated my bundle services with XXXX XX/XX/XXXX. I had no more dealings with them after this. I didn't speak with them. I didn't sign anything. I didn't pay them anything except whatever was the final amount due on my XXXX XXXX account. My wife later signed up for their internet only services to run her firestick. In XX/XX/XXXX, I bundled our services with XXXX. My wife terminated the internet only agreement with XXXX around this same time but XXXX argued that she entered a contract and an early termination fee applied. I got involved and asked about this. I was told by the XXXX  rep and others that internet only services don't have contracts so I disputed it with XXXX. No XXXX rep could show me " contract '' language for internet only services. I filed a complaint with the Atty Gen. Office in XXXX. The Atty Gen. Office said they couldn't force XXXX to do anything and closed the case. I called XXXX again. A rep showed me some language that looked contractual so, instead of continuing the debate, I made the payment. I'd like the payment reimbursed since there should have been no contract with my wife. Also, they placed the account in collections and on my credit report while it was being disputed. I didn't enter into any agreement or contract with them nor did I have any dealings with them on this internet only agreement at all so nothing about this internet only agreement should be on my credit report. I was totally surprised when I saw that on my credit file. I'd like that derogatory item removed from my credit report. I have no other blemishes on my credit report. I was never late paying them over the many years I had their services just like I pay all of my other bills on time. This move was a very nasty and unnecessary move on their part. It unjustly adversely affects my credit score. First, my payment history with them on the XXXX services bundle I had with them for so many years is excellent as is it with all of my other bills. Second, the item in question was being disputed so this bill should have been frozen during the short period of time it was being disputed with them. Third, I did not enter into any arrangement with them ( no dealings whatsoever on this internet only matter ). Lastly, I've been advised that XXXX should not have been able to bait my wife into a contract for internet only services unknowingly so I'd like them to reimburse that payment to me that I made on behalf of my wife. Transunion has already deleted the errant blemish from their file/report. Thanks.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A. (CA)

My Wayfair Citibank had a charge of {$69.00} on the credit card from XX/XX/XXXX, and I contacted the credit card company on XX/XX/XXXX to dispute the charge. The fraud department cancelled the card and sent me a replacement card. However, they didn't reverse the charge for the investigation period. 
I continued to receive calls for the collection of the amount stated above. I explained to the customer service the situation that the charge was fraudulent and that the card was closed and reissued. The CS would try to put me in touch with the dispute department and it was either closed for the day or the call would accidentally be disconnected. 
This occurred several times. At some point, I requested that they stop calling me for this past due amount, however without fail, they continued to contact me as if no previous conversations had been documented in their system. A fresh conversation every time! 
I received a letter dated XX/XX/XXXX ( copy attached ) from Citi Cards, that indicated they would not be contacting me for this past due amount. However they continued to call me to collect the amount outstanding, including the late fees and interest. 
I received another letter dated, XX/XX/XXXX ( copy attached ) stating the account was past due and to make a payment. In addition to the letter, I received daily calls and some emails to collect the balance and to rate their service... 
On XX/XX/XXXX I had another conversation with CS who was contacting me for collections of this past due amount. I filed another dispute online, due to the Dispute department being closed for the day. 
Today, I received another call requesting payment as if nothing over the past month and half had taken place. The CS rep, XXXX read through the notes and put me in touch with the Disputing department. 
The person I spoke with, XXXX attempted to cancel the replacement card and reissue a new card. I explained to this person that, that had already occurred and she seemed dumbfounded. 
She put me on hold and came back to tell me that they would reverse the charge and late fees today. Unfortunately, I have XXXX confidence and don't believe they will resolve the matter or that they are capable to managing a credit card company. 
I expect I will receive another collection tomorrow, even thought they agreed to not contact me on XX/XX/XXXX. Hence the complaint!