davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-15
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. (GA)

I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I contacted the FTC and the police and Im doing this on my own behalf.
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Resurgent Capital Services L.P. (CT)

i have a capitol one creditcard open XX/XX/XXXX in XXXX i XXXX XXXX XXXX XXXX XXXX XXXX was facing financial hardships and couldnt get to bay by bill ontime as useto right before. i was paying my bill ontime. an im asking for a second chance plz to be back on the right path an i will star makin ontime payments again
Consumer complaint received 2022-12-27
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. (NC)

In accordance with the Fair Credit Reporting Act, Dept of ED/XXXX  , has violated my rights. 

Account # 's 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 an account without my written instructions.
Consumer complaint received 2023-02-12
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. (DE)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 the information is
Consumer complaint received 2023-04-29
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. (FL)

Purchased item XXXX and charged to my XXXX XXXX XXXX XXXX. Received item on XX/XX/XXXX and the quality was poor and color off. Within the hour I returned through XXXX. I have proof of receipt and delivery back to XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX  admits they have the item back. Policy online states that refund within XXXX business days. Now they are saying they are backlogged and dont know WHEN they can process. Meanwhile bill/payment due and I shouldnt owe anything, since I had a XXXX balance before purchase. If the business admits to having their merchandise back, then how can they hold funds XXXX and require the customer to pay for NOTHINGbecause I have nothing. Comenity is playing crazy and has the oh well attitude. They are in cahoots. They are scammers and I feel like Im being robbed. Its XX/XX/XXXX and I keep getting hung up on or transferred back into cue by several reps. If I would have used my bank card then this would have been resolved because I have all my documentation. They get people to open these store cards so they can mistreat and rob people. What is my recourse??!
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-09-07
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: I.C. System, Inc. (NY)

The account is older than 5 years. I have not spoken to anyone regarding this account and noticed there was a hard inquiry completed without my knowledge or consent. I just happen to receive a notification form XXXX XXXX that there was a change in my my credit report. I noticed they have changed the date of the account as if it's new and looks like the same company that has the account in collections was the one company the run my credit without my authorization.
Consumer complaint received 2019-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The date of XX/XX/2019 I Checked my credit report when I noticed a derogatory mark on my report from a XXXX/XXXX card With an existing Balance of {$4100.00} used out of XXXX that I had not known existed nor was I in the know of the account being used. My Name, XXXX XXXX XXXX. ADDRESS XXXX XXXX XXXX  XXXX OH, XXXX. I am filing a complaint to dispute all existing accounts that continue to reflect on my report but are not my accounts and am asking that proof is shown that these accounts are in fact mine. Under Section 609, credit reporting agencies are required to disclose certain information to consumers who request it. Verifiable Proof. 

XXXX XXXX UNVERIFIED ACCOUNT XXXX   UNVERIFIED ACCOUNT XXXX  UNVERIFIED ACCOUNT XXXX XXXX UNVERIFIED ACCOUNT XXXX UNVERIFIED ACCOUNT These are the accounts here stated are the accounts that continue to reflect on my report but are not accurate. I would like to request all accounts off of my report that I have stated here and after the process of deletion. 

My Identity has obviously been compromised by another party and will be reported as theft and a security breach concern. I would like to ask all that is verifiable in correspondence to these accounts be disclosed as evidence of the genitive case. If These here derogatory marks aren't responded by XX/XX/2019 With verifiable proof disclosed then I would like all unverified matters to be removed from my credit report.
Consumer complaint received 2019-02-15
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. (NE)

I pulled my credit report on XX/XX/XXXX. There is an account open under " XXXX XXXX '' that does not belong to me. I have never applied for a credit card or have had any type of account at this bank. 
I did try to call the number listed on the credit report : XXXX. However, it immediately asked for my card number, and that's something I don't have access to since the card doesn't belong to me. 
It says the date opened was XX/XX/XXXX and I was XXXX at that time.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2023-05-24
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XX/XX/XXXX To Whom it may concern, ATTN Fraud Department : Remove fraudulent accounts from my credit report Dear Sir or Madam : I was recently a victim of identity theft. I filed a report with the credit bureaus and also with the FTC and my local police department. These fraudulent accounts appearing in my credit report were deleted. But I woke up this morning to find out that an additional new collections account was placed in my credit report. This account wasnt on there at the time I filed my FTC report and contacted the credit bureaus. It looks like this is one of the fraudulent accounts that was just sold to another collections company. This account is fraudulent, and I dont know where it is coming from. I have never received any services from this company. Please delete and block. There are also some fraudulent inquiries still appearing in my report. I HAVE ATTACHED A SUPPLEMENTAL FTC AFFIDAVIT WITH THE SUPPLEMENTAL INFORMATION HIGHLIGHTED. Thanks Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

On XXXX XXXX I mailed Experian a letter certified with tracking # XXXX which was received on XXXX XXXX at XXXX to this date I have not received any results from my complaint and I have proof of this tracking. The law states that a investigation is done within 30days or must be deleted. It has been more than 45 days and this incorrect Public record is still being reported on my consumer report, when it has been deleted from XXXX XXXX, XXXX, and XXXX. I feel at this point Experian is not only being non-compliant but also defaming my character, causing me emotional distress, reducing my credit rating and causing me to have to pay higher rates. The information is false, misleading, inaccurate, and unverifiable. So please either provide me proof of this alleged Bankruptcy because the courts have verified they do not furnish, and XXXX XXXX has deleted the inaccurate record from my file. So how and who is verifying you this information without my written consent??
Consumer complaint received 2023-05-24
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: Experian Information Solutions Inc. (CA)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX OF A ( Original creditor : XXXX ) XXXX Balance : {$390.00} ; CXXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXXXXXX ) XXXX  Balance : {$2100.00} ; XXXXXXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2022.
Consumer complaint received 2020-01-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

Received a call from XXXX with Pheonix Financial Services. He provided me with my last four of social and child 's name. Stated I owe {$460.00} to XXXX XXXX for a ER visit on XX/XX/2015. I informed the man that my child was never seen by XXXX ER on that date and that I have recently spoke with XXXX ER who confirmed I did not owe that amount and was never seen on that date. He responded, " I am not here to argue with you ''. I let him know that I understood but, he is attempting to collect a false debt. He became very rude and told me I just need to pay. I told him I would look into this and if I felt I owe I would call him back he said that is fine you can ask for XXXX at XXXX. A few days after receiving that call I received a letter from them stating I owe {$460.00} with no information included.
Consumer complaint received 2022-11-07
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

My name is XXXX XXXX. My phone number is XXXX. I had a fraudulent application put in my name without my permission, and last month when I contacted the fraud department back, they told me my fraud claim was rejected, saying my fraud report was not fraud, but it was a fraud. I want the account balance to be cleared to {$0.00}, and I like the account to be disputed off my credit reports.
Consumer complaint received 2021-09-06
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. (AL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account
Consumer complaint received 2020-01-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stallings Financial Group, Inc. (PA)

Im checking my credit and see it went down tremendously and I see a medical record that clearly isnt mines.Thankful I have NOT been to a hospital or gotten sick to have to. Strange enough the medical place is in XXXX, I love In a totally different state now. Anyway I called stalling financial to inquiry this fake medical record .. Finally after two attempts I got thru to someone. I called and let him know I need information on this debt you guys trying to collect and messed up my credit for. I think have him the information he needed and WALLAH! I wasnt even in the system and my name wasnt coming up ... Interesting strangely they didnt even have my name on file and told me to call the original debtor which is XXXX XXXX XXXX ( XXXX ). I called the the XXXX  and they had no clue about what Im talking bout or whats going on then hung up in my face Twice. I called Stallings back to let them know that what they wanted doesnt exist and they still couldnt find my information and told me to contact the credit companies. I dont even have an account number to begin with!! They didnt even have the account number, nor a bill to even provide bc its all fake hmmm how STRANGE!!! Im upset, stressed and angry!! Wasted a wholleeee day!! I need answers and dont have them!! This is bad on both companies part and I will be reporting XXXX XXXX XXXX  as well.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Information such as social security number and address that does not belong to me is being reported on my credit reports monthly. I have tried disputing online as well as calling Experian, XXXX, XXXX and XXXX. I am not able to pull my report accurately due to the discrepancies that are reporting inaccurately.
Consumer complaint received 2023-05-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (OR)

On XX/XX/23 I requested Marcus Bank ( Goldman Sachs ) to wire transfer {$250000.00} to an external bank XXXX XXXX. My account allows 6 external transfers per month and I have not made any external transfers this month. About XXXX hours later I received a call from Marcus and I was told that they would not wire that $ XXXX because I was supposed to be saving that money in their bank and not transferring it. ( Im not making this up ) They then said I would need to transfer all my savings back to the banks that I used to credit my Marcus account. They said I must transfer {$43000.00} back to XXXX bank, {$1800.00} back to Bask bank and {$200000.00} to XXXX XXXX. Marcus continues to hold {$250000.00} in my fully funded account. I have no idea what the are doing and the actions of Marcus bank are not making any sense.
Consumer complaint received 2023-03-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am disputing the accuracy of this charged off account ( XXXX  # XXXX ) reporting inaccurately multiple months after an account was closed. Re-aging a charged off account is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.

According to the FCDA section 623, This is illegal. Once an account is closed the clause states that it can only reflect charged off or late UP TO the date that the account was closed. Therefore you are reporting Inaccurate information. Not only are you reporting unlawfully and illegally, you are also tarnishing my report that I will be seeking damages for if this problem isnt fixed. The Bureau needs to provide me with copies of all documentation associated with these public record accounts bearing either a court order to place this information on my report or my authorization of release bearing my signature. 
By the provisions of the fair credit reporting act, I demand that this item be investigated and REMOVED from my credit report. 
It is to my understanding that you will recheck these items with the creditor who posted these items. Please send me a copy of my credit report XXXX  # XXXX
Consumer complaint received 2019-02-15
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. (TN)

For the last few months, I have been trying to have these old account remove from my credit report. but even after all my dispute letters and proof old the law stated by the federal government, that account 7 years and older that are close must be removed. But all three bureaus just keep writing account verified, without providing me any proof of method used to verify this or law stating that item may remain on report after 7 years.