davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (NJ)

I had an identity theft they opened a credit card with this bank that account is fraudulent and I contacted them and they closed the account but I need to be removed from the credit bureau because it affects me. 

Account : # XXXX I was also a victim of another XXXX  XXXX XXXX XXXX  they helped me and solved the problem because they investigated and came to the conclusion that I was a victim of fraud.
Consumer complaint received 2021-10-22
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 — Problem with personal statement of dispute
Company: General Motors Financial Company, Inc. (IL)

I paid to get 3 loan payments moved to the back of my car loan so that I would not have late payments reported to the credit bureaus and the company refuses to remove the missed payments. I've called and disputed this many times. They accepted money to move the payments to the back of the loan but will not remove the missed payments when I have been current for 18+ months. 

XXXX XXXX  XXXX, XXXX and XX/XX/2019 XXXX
Consumer complaint received 2021-10-22
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. (CA)

I was a victim of Identity theft. I filed a police report, it was approved, I've sent to all three bureaus as well as creditors/collectors multiple times and nothing has been done.
Consumer complaint received 2023-07-17
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$8200.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$8300.00} XXXX XXXX Balance : {$8300.00}
Consumer complaint received 2023-01-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PENTAGON FEDERAL CREDIT UNION (VA)

In XX/XX/XXXX ( nearly 27 years ago ) an auto loan was charged off the Pentagon Federal Credit Union in the amount of {$7100.00}. In XXXX, I filed for XXXX bankruptcy and this amount was included ; yet XXXX continues to hold me XXXX for this transaction. I also filed for XXXX  XXXX bankruptcy again in XXXX, this amount was already dismissed in XXXX and should have long been removed from my credit records, which it has - yet XXXX continues to hold an internal process within their financial institution which has caused harm to my credit reports, my credit inquiries and the like. 
It goes without saying by law this financial institution should be sued as well as held accountable for their financial practices toward their customers- in this case, myself. This entry should again have been removed from my records at the PenFed Credit Union. It is evident this charge-off that has stayed on my credit has undoubtedly had a severe impact on the type of credit I receive and the interest rate I am charged for the past 27 years. I kept this account open despite of the charge-off. Each time I go into the bank to withdraw my own funds, the tellers have to obtain an override- this is embarrassing. To add insult to injury, I am a XXXX  employee - XXXX  will not issue me a debit card, a checking account or allow me to move funds to external accounts because of this XXXX matter. During a government shutdown in XXXX - I went through this same situation with XXXX. I then wrote a complaint to your offices ( XXXX ) and XXXX  funds to pay debtors ( see enclosed ). As a member of XXXX, I have been unable to open a checking account, conduct external transfers to my other accounts, obtain a debit card, HELOCs, Mortgage Refinance, Personal Loans and the like due to this charge-off. I was told I don't qualify because of the charge-off still on the account from XXXX. The representative on the line indicated that even though I filed for bankruptcy, they still have the right to keep the charge-off on the account until they are able to collect the {$7100.00}. This is clearly a violation of bankruptcy laws and discrimination. Today, XX/XX/XXXX - I encountered the same thing - so I decided to do a wire transfer in the amount of {$20000.00} to another one of my accounts- and I was told, I am not able to perform this transaction due to the XXXX charge-off. I believe XXXX has since placed a hold on all monies in the account ; I stopped all financial allotments to this account on XX/XX/XXXX. I had {$1400.00} going to the credit union monthly in a saving account. The business/financial practices at XXXX are unlawful and warrants a civil lawsuit. The CFPB should have addressed this issue back in XXXX, because here I am 4 years later addressing the same issue.
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Our mortgage lender tried several time to pull my credit report from Equifax and they couldn't get it we called Equifax 5 times they tell me everything is good there are no freeze or fraud alerts on my report, but my mortgage lender still can not pull it, so I called them again and Equifax tells me there is no problem. This is very frustrating they need to fix it.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MA)

Experian is not reporting three successfully paid loans on my credit bureau history. I called Experian XX/XX/XXXX and informed them of my address and name change, they confirmed they could see the loans and informed me to check with the lender to ensure they were being reported and that they would add them to my credit report. I signed up for the paid service to check my report more than monthly in order to ensure the loans had been added to my report. I've been checking my report weekly and the loans have not been added. I called XX/XX/XXXX to discuss the issue with Experian, I could not get through the IVR, only options were order a report and report fraud. I went online to file a dispute and their website is not working. In the meantime, I've called my institution and they have confirmed they are reporting my data to all three bureau 's. This is directly impacting my ability to get an apartment, I was declined due to lack of credit history. My score is high enough to be approved, and if these loans were being reported accurately, I may have been approved for the apartment.
Consumer complaint received 2021-10-22
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. (PA)

To whom it may concern I noticed there are late payments and a past due balance listed under the collection account XXXX XXXX XXXX. From my understanding collection accounts are not supposed to include a payment history of late payments as I do not have any payment agreements currently set in place with this agency. This collection claiming a history of late payments is a false representation to my relationship with them. A collection is by default derogatory, this goes without say. Please delete this from my report immediately Thank You,
Consumer complaint received 2017-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MI)

XXXX   XXXX   XXXX    sold my account to  Midland Funding. Midland funding is still reporting my  information as a collection account this account was paid and it should show  XXXX  balance and removed from the  CURRENT COLLECTION Spot. It should be closed n ot current!!! This account was updated on my report 2 days ago, and dropped my score  XXXX  points because of the negative remarks. I have tried to dispute this matter a thousand times.  XXXX   XXXX  is still reporting on my account. This account is paid!!!! again dropping my score another  XXXX  points.
Consumer complaint received 2022-10-12
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX  XXXX XXXX Account XXXX 1921, XXXX XXXX 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 2021-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (GA)

Complaint with Suntrust Bank now called Truist. 
Since XXXX of this year, I have had technical issues with downloading transactions from my business checking account into accounting software ( XXXX ). After spending hours with Suntrust technical support both through chat and phone they keep blaming XXXX for not updating their software. My latest contact with XXXX support finding shows Suntrust download file has a formatting error and is not compatible with XXXX. How do I know this?. Quickbooks support shared my computer screen and walked me through the step of editing the raw file. After the steps have completed the file was successfully downloaded into the XXXX software. 
I would like to request you to intervene and have Suntrust ( Truist ) support share my computer screen and see for themself the error. It is very difficult to get both parties online at the same time unless each has a phone number where an individual can answer immediately.
Consumer complaint received 2021-01-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services (MD)

I have take a loan with Lendmark Financial Services, LLC. In XXXX. This company has charged me excessive amounts and fees for interest. They have reported erroneous marks against my credit report repeatedly. They have bad business practices to make the account delinquent by not accepting my payment monthly. They have made harassing telephone calls to me and my employer. The company has three telephone numbers on file for me and one telephone number for my husband. My husband is on the loan but they have never called him not one time. I have visited the company business numerous of time in XXXX the office door was locked. I have downloaded the lendmark app to my cellphone the company has blocked me and the account to access to make payments. They are refusing to accept payments in bad faith to gain additional money from me. The company filed a lawsuit against me in XXXX but they refused to appear in court. The case was fraudulent because they charged my bank card two payments when I was only to make one payment each money as the account was not delinquent. The company has failed to provide account billing statements as I have requested several times by telephone. The company has contacted my employer XXXX about the account. The branch manager XXXX XXXX has repeatedly discussed to me about how the company will continue to destroy my credit and report me as late paying when they refused to accept my payment. Thanks, XXXX XXXX
Consumer complaint received 2023-02-10
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. (MI)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX 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 2021-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (OH)

I paid my balance and accidentally over paid by XXXX. This meant I had a negative balance on the following bill. When I received the bill for the next month, it showed my starting balance as XXXX, but also said I had {$5.00} past due and I have received multiple harassing emails attempting to collect a balance that isnt owed. I notified the card issuer, but because their reps dont understand how their mistake happened, they dont understand what to do with it. Attached is the bill that shows their error.
Consumer complaint received 2017-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (NY)

My issue has been ongoing since    2016.    Discover has continued to delay my credit for the fraudulent transactions on my credit card. I have sent the company the documentation they were looking for and responded to the CFPB, stating that they needed " additional time ''. They have gotten over 1 year to " investigate '' this issue and clearly are purposely avoiding crediting me the CORRECT AMOUNT of credits.
i have included  XXXX  screen shot of an example of confirmations for sending discover faxes even though they state they never received them More documents will be uploaded over the course of the week.
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (FL)

Background check is stating that I worked in  XXXX   XXXX  California in   XXXX   XXXX   XXXX   Under the name  XXXX   XXXX   XXXX . I 've never worked in  XXXX   XXXX  California and I have not use  XXXX  sense I was married in  XXXX . I had only been license 4 months in   XXXX   XXXX  . So I need it removed from my background information.
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As reported on Transunion as of XX/XX/XXXX  : Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX Amount : {$2800.00} XX/XX/2021 I mailed Transunion a written notice of the incorrect information on my consumer report, after they previously refused to remove the incorrect information over the phone, despite confirming that the incident was a result of identity theft/fraud, there had been a police report and FTC report submitted XXXX and that this information should be removed immediately as I as the consumer never gave written consent to Transunion to report this unverified debt, pursuant to 15 USC Chapter 41 and 12 CFR 1022. 

XX/XX/XXXX  I called Transunion to inform them of the incorrect information being reported on my consumer report and the fact that it was a violation of my rights under the FCRA and as well as a act of identity theft and fraud, with a valid police report. 

*I as the natural person and consumer submitting this complaint for myself, give full consent to Transunion and the CFPB to communicate and share my information between each other in order to bring my remedy and solution to this complaint. *
Consumer complaint received 2017-05-03
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. (TX)

I have a lot of unauthorized inquiries on my credit report. I am submitting this complaint due to the lack of investigation into my original dispute of the hard inquiries that does not belong to me. These inquires are hindering me from receiving future credit and I am requesting for these inquires to be removed.
Consumer complaint received 2023-01-19
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. (TX)

I recieved an alert about a credit inquiry for XXXX XXXX XXXX XXXX I did not authorize this inquiry nor have i called or stepped foot in this location to begin an inquiry. Alerted on XX/XX/2023
Consumer complaint received 2023-07-17
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. (OH)

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 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.
Consumer complaint received 2021-10-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Resources, Inc. (NM)

I was incarcerated during this time at XXXX XXXX XXXX XXXX ( XXXX ) This debt should of been paid by them it is their responsibility not mine I have full coverage insurance when not incarcerated the bill belongs to them they are legally require to pay not the inmate. This has hurt my credit and is not and never was authorized by me. I was incarcerated for 17 months with never being released to take care of my personal finances. I was incarcerated from XX/XX/XXXX to XX/XX/XXXX XXXX then from XX/XX/XXXX to XX/XX/XXXX at XXXX prison in XXXX NM
Consumer complaint received 2021-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CO)

I am filing this complaint about a company that I have never heard of that is filing entries on 3 of my 3 credit reports. XXXX, XXXX and XXXX. Company Name and Address : CACH , LLC XXXX XXXX XXXX XXXX, SC XXXX XXXXThey came out of no where and said I owed them $ XXXX. I have never heard of this company and notified this company by mail and phone that they need to remove this fraudulent entry off my credit report. When I spoke with this company and XXXX sounding person answered the phone and was really rude. I asked them why they put this negative collection/account on my credit report and they hung up on me. I have filed complaints and disputes with all 3 credit bureaus and only XXXX was able to prove it as fraud and removed it from my report. I called the company again and another XXXX sounding person answered the phone. I asked him to send me information showing that I owe Cach LLC or for information showing that I signed something saying that I owed them money for something. They again hung up the phone on me. They report themselves as an account of debt half the time that I made payments on supposedly. You will see in my additional documents that they list me 120 days late multiple times. I dont know how that would even be possible since I have never sent them money for anything nor have I ever made any agreement with this company for anything! Then they list my account as a collection other times. I know this is a scam and need to file with whomever I need to hold this company accountable for fraud, and fraudulent filings on my credit report. They claimed I made 2 payments to them and then hung up the phone on me on my 3rd call to them. Please investigate this company. I have done research online and found that I am not the only one being frauded by this company called Cach LLC. I am attaching both credit bureau entries that still remain on my credit report. You will see they claim me as 120 late multiple times and then they list me as a collect as well. I called a 4th time and asked for documentation showing that I signed for anything in order to owe them money. The rep talked over me and then yelled at me and then hung up the phone. You will see in you investigation that I never asked these people for money, sent them money, nor did I sign to agree to send them money. Please help. This is hurting my credit and Im scared they will go further to hurt me. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX Phone : XXXXEmail : XXXX XXXX