davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

You can not get online with Equifax to dispute its been down for weeks and i sat on hold for 3 hours on the phone with Equifax until i gave up and now that i disputed the same info on XXXX now its telling me it wont let me sign in to XXXX  it says its to protect my identity
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-04-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mid-South Adjustment Co., Inc. (AR)

Mid-South Adjustment has inaccurate contact information on the credit bureaus for both address and telephone as required by law. 

They have their phone number listed as : ( XXXX ) XXXX Their address as : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX That phone number is not in service and they are not at that address.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MI)

This company fraudulently duped me into a credit card without my knowledge. I never signed a contract or had prior knowledge of a impending sale or transfer to Comenity / Ad or whatever name they go by. 

I had a {$7000.00} XXXX XXXX with XXXX XXXX which never exceeded {$6400.00}. The new company caused so many problems that my loan was sold to any attorney XXXX XXXX XXXX whom I settled with & had deleted from my credit profile. 

This fraudulent Ad / Comenity XXXX XXXX XXXX XXXX keeps reporting fraudulent information stating that I held a highest balance with them of $ XXXX then more recently $ XXXX I've tried to dispute this erroneous information & I've even called them to personally ro express my concern & dismay about this fraudulent information. 

This is my final attempt before seeking legal means to delete this from my credit profile forever. 

I am aware that others have had the same issue that I endured. ( See Below ) https : //www.classaction.org/news/sterling-jewelers-comenity-bank-hit-with-class-action-over-phony-store-credit-card-sign-ups
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STERLING JEWELERS, INC. (MI)

This company fraudulently duped me into a credit card without my knowledge. I never signed a contract or had prior knowledge of a impending sale or transfer to XXXX XXXX XXXX or whatever name they go by. 

I had a {$7000.00} Credit Limit with Kay Jewelers which never exceeded {$6400.00}. The new company caused so many problems that my loan was sold to any attorney XXXX XXXX XXXX whom I settled with & had deleted from my credit profile. 

This fraudulent Ad / XXXXXXXX XXXX Kay Jewelers Company keeps reporting fraudulent information stating that I held a highest balance with them of $ XXXX then more recently $ XXXX I've tried to dispute this erroneous information & I've even called them to personally ro express my concern & dismay about this fraudulent information. 

This is my final attempt before seeking legal means to delete this from my credit profile forever. 

I am aware that others have had the same issue that I endured. ( See Below ) XXXX XXXX /XXXXnews/sterling-jewelers-comenity-bank-hit-with-class-action-over-phony-store-credit-card-sign-ups
Consumer complaint received 2022-01-30
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. (MA)

EQUIFAX is in violation of FCRA and is civilly liable for willful noncompliance for failing to comply with a BLOCK request despite received the supporting identity theft documents. 
On XX/XX/2022, I submitted a BLOCK request to EQUIFAX regarding fraudulent account, XXXX XXXX, that is on my credit file. As per 15 USC 1681c-2, once a Credit Reporting Agency receives a lawful identity theft report it must BLOCK the fraudulent account within four business days, which it failed to do. 
Instead, EQUIFAX responded to me on the sixth day stating that my dispute results were available online. The results, posted on your portal, came in the form of a credit file, which states that the XXXX XXXX account was verified as mine. With that said, I am requesting that EQUIFAX provide me with a description of the procedure used to determine that this account is actually mine. 
Also, by EQUIFAX making the claim that the account has been verified as mine, are you declining to BLOCK the fraudulent account? 
As per 15 USC 1681c-2 to decline a block you must have reasonably determined : ( A ) a block was requested by the consumer in error ; ( B ) a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
EQUIFAX must provide material proof for points A through C that resulted in a reasonable determination to decline block.
Consumer complaint received 2023-02-20
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX Balance : {$880.00}
Consumer complaint received 2021-04-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (FL)

I had a card with XXXX  XXXX, I feel behind on payments. When I attempted to fix the issue XXXX  XXXX had already closed and forwarded the account to collections. I contacted Midland credit management and tried to pay XXXX dollars for a settlement. The man I spoke to was really rude so I told him we're in the midst of a pandemic and I can't afford anything else. He told me no they wouldn't settle and took me to court and still charging me interest, robo calls and mailing. I asked XXXX XXXX 's office for help and was referred to contact this office. XXXX XXXX 's have all my copies including me asking not to be contacted again. I hope your office can help on this matter.
Consumer complaint received 2021-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MD)

After trying on numerous occasions to resolve this complaint directly with Citibank, and being sent hither and yon without resolution, I initially filed a CFPB complaint ( see attached ) on XX/XX/XXXX regarding a promotion that Citi was offering in XX/XX/XXXX for XXXX American Airline Frequent Flyer miles if you opened a checking account with them and met certain conditions ( in the first two-months after the card was issued you were required to purchase {$1000.00} of goods or services using the Citibank Debit or ATM Card. And that within two months of the account being opened, you had one or more recurring charges to the account ). 

The promotional material that was sent to me was incorrect and misleading in terms of the nature of the recurring payments that qualified ( see attached initial promotional material ). 

In response to my complaint, Citibank does not acknowledge the incorrect promotional material. But rather refers to promotional material for a period ( XX/XX/XXXX - XX/XX/XXXX ) that postdates both my application and the promotion that I was applying for. Clearly, the promotional material had been corrected after my application had been submitted and accepted. 

I can understand that the initial misleading and incorrect information on the promotional material that I was supplied might have been incompetence, rather than by design. 

But clearly at this point, rather than acknowledging their mistake and rectifying it, Citibank has not only decided to stonewall, but astonishingly refers to a promotion and documents for a period after my application. The dates of my application, and the promotional material that I was supplied, are clearly dated for XXXX, with the offer expiring on XX/XX/XXXX. How is it possible that Citibank references a promotion that started XX/XX/XXXX?
Consumer complaint received 2021-04-02
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. (MI)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX CREDIT - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2022-01-30
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: EQUIFAX, INC. (CA)

My information was also impacted by the equitax data breach and may have got into the hands of the wrong person. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. this is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed asap i will not wait another 50 days to receive no response because dearly yawl ignoring me. i demand these accounts be deleted immediately or ; will file for litigation due to the stress you caused me. Section 611 ( a ), it is plainly slated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly.
Consumer complaint received 2021-04-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

this company is reporting to XXXX on my consumer credit report that a debt is owed to them. I have not received any communication regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation os fair Debt Collection Practices Act Section 809. Their negligence has caused me distress and is hampering my ability to obtain credit.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Skopos Financial, LLC (TX)

Upon reviewing several of my credit monitoring services I was informed on XX/XX/XXXX that Skopos Financial has reported my auto loan as a " bad debt/uncollectable debt '' and proceeded to list the account as a " charge off '' on my credit report. With this my score has dropped significantly preventing me from being eligible for a home loan. The account with Skopos account # XXXX was paid in full by my auto insurance company XXXX also known as XXXX XXXX with claim number XXXX. I reached out to XXXX at Skopos on her direct line of XXXX a total of 11 times between XX/XX/XXXX and XX/XX/XXXX to confirm that the account was paid in full in which she did confirm that is was received by XXXX and showing no balance as of XX/XX/XXXX. Within those 11 calls she informed me several times that if the account was paid in full there would be no charge off. On today, XX/XX/XXXX I called Skopos a total of 5 times to try and resolve the issue. 3 out of the 5 calls I was cold transferred. 1 out of the 5 I was given a XXXX number that was not reachable and on the 5th call I was escalated to a manager who could not assist. All five years I have had this company my credit report shows all on time payments. Please resolve this matter immediately.
Consumer complaint received 2021-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Claim XXXX was submitted to Capitol One regarding unauthorized charges on my account. On XX/XX/XXXX Capitol One reversed the credit issued stating the charge was valid. The charge of {$820.00} posted to my account on XXXX XXXX. On XX/XX/XXXX Capitol One issued the temporary credit for {$770.00} ad the charges should have been {$41.00} as per the merchant, Code XXXX XXXX. Capitol One was provided a copy of my drivers license and a itemized receipt, along with a signed copy of the debit card receipt. The signature is clearly NOT my signature. This is clearly evident as per the signature on my Drivers License and card receipt. The merchant never provided me with an itemized receipt or a debit card receipt. They stated the machine was broken. This is clearly fraud and Capitol One has an obligation to conduct a proper investigation and protect their customer. 

Last message sent to Capitol one on XX/XX/XXXX and have received NO response : I am writing again to request a copy of my SIGNED debit card payment receipt. I received the documents previously provided by Capitol One, none of which have my signature indicating my agreement for the charges. 

The establishment in question took my debit card and ID upon entering. Upon asking for my check, I was shown a handheld card reader machine with an amount and told it was in XXXX pesos. Nothing else was provided. 

The merchant CODE XXXX XXXX, requested to copy my identification and swipe my debit card upon entry into the establishment, and again when I requested to pay the charges. I was shown a handheld terminal screen and told the amount was in XXXX PESOS, not US dollars. 

The itemized receipt you provided is not a representation of what I ordered in the establishment. 

This is XXXX and I expect Capitol One to resolve it. I have no way of contacting the merchant.
Consumer complaint received 2021-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

RE : Checking Account ending in XXXX My checking account is with Huntington National Bank and my Mortgage Loan is with XXXX XXXX XXXX. My monthly mortgage payments ( {$820.00} per month ) are set up to be automatically drafted from my Huntington checking account. Huntington bank returned my XXXX XXXX payment in error. After a lengthy research process by both banks, Huntington admitted making a mistake. My XXXX XXXX mortgage payment has also been returned for no reason. These late mortgage payments are ruining my credit and costing me money ; XXXX XXXX bank assesses a late fee of {$21.00} for each transaction. When I called XXXX XXXX bank to make payment, they charge a {$15.00} fee for each payment over the phone. Huntington bank has reversed the XXXX XXXX payment of {$820.00} but is yet to reverse the XXXX payment. All these transactions were properly posted to my checking account.
Consumer complaint received 2021-04-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I contacted all three bureau 's, Equifax, XXXX, and XXXX previously about disputes I submitted, but to no avail they haven't corrected the issue. These accounts have been on my credit report for more than 6 months in a dispute status and I contacted all three bureau 's multiple times, the last being three days ago and they all assured me that these accounts would be removed or the remarks would be removed in 24 to 48 hours and nothing has been rectified.
Consumer complaint received 2021-04-02
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: EQUIFAX, INC. (TX)

I am very upset with this issue. I sent a letter to the credit bureau onXX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

Experian is publishing obsolete account information regarding XXXX XXXX XXXX XXXX accounts ending : XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX These accounts are old, FCRA prevents obsolete information from being published or reported if older than 7 years.
Consumer complaint received 2021-04-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Levy & Associates, LLC (FL)

Called XXXX XXXX  to get information on an collections account that I supposedly have with them and was told that their company has no information on my account and referred me to Levy Law Firm Co. , LPA. Made several attempts to contact Levy Law Firm Co. , LPA and have had no success. Even though XXXX XXXX says they have no information on my account, they continue to report me negatively on my credit reports. How is it that a company that no longer has access to my account be allowed to do that? This is an unseemly situation.
Consumer complaint received 2021-04-02
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. (CA)

This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following account and remove late payment. You are reported totally different or missing information on my XXXX XXXX XXXX account. I attached copies of my annual credit reports so you can find wrong information.
Consumer complaint received 2021-04-02
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: Upgrade, Inc. (KY)

I am a victim of fraudulent/inaccurate items of this account reporting on my credit file. I have sent several disputes via mail to try and resolve the problem. My rights as a federally protected consumer are being violated as sated in the Fair Credit Reporting and and Fair Debt Collection Privacy Act. I have filed a complaint with the Federal Trae Commission and my rights are still being violated. My general reputation and my ability to obtain credit is being tarnished. I need to have these account removed from my credit file immediately.
Consumer complaint received 2021-04-02
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. (NC)

The companies accessed my credit without my consent : These lenders have accessed your credit file : XXXX National Credit Card Cos. 
Inquiry date : XXXX XXXX, XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  XXXX National Credit Card Cos. 
Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX - XXXX XXXX All Banks Inquiry date : XX/XX/XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX