davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (OH)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-07-11
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. (CA)

I had some false information on my credit report and had submitted it on XX/XX/2021 and a follow back letter was sent XX/XX/XXXX and I still haven't received a response for why these inquires are on my credit report and according to the CFPB a credit consumer agency has 45 days to investigate or all of the negative and false items must be removed from the credit report.
Consumer complaint received 2021-07-11
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 have contacted Transunion, XXXX XXXX, and creditors in regards to negative inquiries on my credit report. They weren't much help with assisting me with the deletion of those fraud inquiries. I have been a victim of fraud activity. Here is the list of fraudulent inquiries made on my account : TRANSUNION : XXXX XXXX XX/XX/2021 XXXX ATL XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2021-07-11
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. (MA)

I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with : Account Number : XXXX - Original Creditor : XXXX XXXX XXXX It saddened me to learn that you somehow Transunion verified the disputed item, electing to leave it on my report. I am certain that the item I disputed is incorrect and should be removed, so I tried to my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my disputes and have gotten NO response and the erroneous item is still on my report. 

Note : XXXX XXXX XXXX was removed from my XXXX report on XX/XX/2021! 

I am very interested to learn how Transunion 's investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with proof of my signature ; including all names and contact information of employees that XXXX  spoke to as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded because of this unfortunate error. Therefore, I request that they DO NOT send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of Transunion via email, fax, mail and on the phone with a representative.
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have made every single one of my payments on time. XXXX  misapplied one of my payments on my lease and hit my credit with a late. I called them & it showed as corrected on my account. Then it just happened again last week, despite every payment being made on time. It also shows on my account that I owe a double payment, but that payment isn't due until XXXX, which makes no sense at all. They acknowledge it's wrong, but it has devastated my XXXX  & Experian credit score which hasn't been corrected.
Consumer complaint received 2021-07-11
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. (TX)

I have made every single one of my payments on time. XXXX  misapplied one of my payments on my lease and hit my credit with a late. I called them & it showed as corrected on my account. Then it just happened again last week, despite every payment being made on time. It also shows on my account that I owe a double payment, but that payment isn't due until XXXX, which makes no sense at all. They acknowledge it's wrong, but it has devastated my TransUnion & XXXX  credit score which hasn't been corrected.
Consumer complaint received 2021-07-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (MI)

I mailed a debt validation correspondence letter to National Credit Adjusters on XX/XX/2021 and have not received a response regarding this debt. I also sent a a investigation letter to the credit Bureaus on XX/XX/2021. As of XX/XX/2021, I still have not had a response from the following credit bureaus regarding my dispute : XXXX XXXX or XXXX
Consumer complaint received 2021-07-11
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (FL)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2023-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Universal Payment Corporation (NJ)

( XXXX ) Date account allegedly opened XXXX XXXX, XXXX for XXXX  XXXX XXXX  In The Amount of {$600.00} USD showing as a charge off. ( XXXX ) Date account allegedly opened XXXX. XXXX, XXXX for XXXX XXXX XXXX  In The Amount of {$430.00} USD showing as a charge off. ( XXXX ) Date account allegedly opened XXXX XXXX, XXXX for UNIVERSAL PAYMENT CORP In The Amount of {$620.00} USD showing as a charge off. I put all these companies in a previous demand for remedy to cure as a consumer with the Consumer Financial Protection Bureau, ( CFPB ) and they were taken off my tradelines but still showing up on my report as a charge off. Also other companies were deleted off my tradelines but the {$1000.00} USD for falsely reporting on my credit was never paid as demanded. These Companies were XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. These Companies were also reported to XXXX, XXXX, and XXXX. 
Thank You
Consumer complaint received 2021-07-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (OH)

ENHANCED RECOVERY CO # XXXX I'm unware of these accounts and did not have the opportunity to dispute them. Please provide Validation of Debt, Assigment of Debt, and Method of Verification. 

Please provide the " certfied mail receipt '' showing I have recieved the notification, per the law. 

Please all request listed of you will be in violation of the FCRA.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (OH)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-07-10
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. (AZ)

On XX/XX/XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-07-11
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)

XXXX XXXX stole my identity information and used it to open credit cards and get an apartment using my social and name. He did it all online. Police report made and submitted to all creditors he opened fraudulent accounts with 2 removed all fraud information from my reports. XXXX XXXX XXXX refuses to remove even after being contacted by the Sheriff 's office confirming identity theft by XXXX XXXX. XXXX XXXX produced bank statements in a lawsuit showing that he used his account to pay for the cards that he fraudulently opened in my name. XXXX XXXX XXXX and XXXX also refused to remove the fraud information from my credit reports trying to collect a judgment that I have no knowledge of for a property I have never lived at. I have produced the proof to them of the fraud numerous times showing XXXX XXXX and his girlfriend XXXX XXXX stole and used my personal identity information online. I have demanded prosecution of XXXX XXXX provided his addresses social and date of birth and agreed to fully cooperate in his prosecution but they reuse to do anything and refuse to remove from my credit report. I have never been served any documents for any of these creditors and they have assisted XXXX XXXX in destroying my perfect credit. I am a highly decorated XXXX XXXX and I demanding justice.
Consumer complaint received 2021-07-11
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: T.S. Holdings (FL)

XXXX XXXX stole my identity information and used it to open credit cards and get an apartment using my social and name. He did it all online. Police report made and submitted to all creditors he opened fraudulent accounts with 2 removed all fraud information from my reports. XXXX XXXX XXXX refuses to remove even after being contacted by the Sheriff 's office confirming identity theft by XXXX XXXX. XXXX XXXX produced bank statements in a lawsuit showing that he used his account to pay for the cards that he fraudulently opened in my name. IQ Data International and XXXX also refused to remove the fraud information from my credit reports trying to collect a judgment that I have no knowledge of for a property I have never lived at. I have produced the proof to them of the fraud numerous times showing XXXX XXXX and his girlfriend XXXX XXXX stole and used my personal identity information online. I have demanded prosecution of XXXX XXXX provided his addresses social and date of birth and agreed to fully cooperate in his prosecution but they reuse to do anything and refuse to remove from my credit report. I have never been served any documents for any of these creditors and they have assisted XXXX XXXX in destroying my perfect credit. I am a highly decorated XXXX XXXX and I demanding justice.
Consumer complaint received 2023-01-23
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: EQUIFAX, INC. (GA)

This is my follow-up request to my previous complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX XX/XX/XXXX
Consumer complaint received 2021-07-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Chime Financial Inc (OH)

I have a Chime Bank XXXX XXXX secured credit card. This card is supposed to have a secured account that will automatically pay off your balance from that and you can just add money. However, the card was reported as not paid several times and the balance was reported as the entire usage of the card but it never had a balance after the statement since it was immediately paid by the account. I had previously complained that the account was being misreported months ago and this month really gave me a kick to the gut since the card has caused my credit score to drop from above XXXX to almost below XXXX, with a drop of XXXX points this month. I complained to Chime, who told me it was correct, which obviously it could not be correct because they were paying it automatically the day after the statement. After their terrible support finally fixed the errors my score only went back up XXXX points. So I just got completely screwed by a " credit builder '' that actually damaged my credit score. I truthfully do not even know how to recover since I am having a hard enough time removing these trash collections from having my identity stolen. They make a mistake or lie about reporting and it irrecoverably damages my credit, I have to spend years to rebuild those few points now.
Consumer complaint received 2021-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had some false information on my credit report and had submitted it on XX/XX/2021 and a follow back letter was sent XX/XX/XXXX and I still haven't received a response for why these inquires are on my credit report and according to the CFPB a credit consumer agency has 45 days to investigate or all of the negative and false items must be removed from the credit report.
Consumer complaint received 2021-03-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (RI)

XX/XX/XXXX ..started refinance with Citibank, XXXX XXXX XXXXXXXX XXXX  XXXX, MO XXXX Loan amount {$120000.00}, interest rate 3.125 % at present ( almost 7 months later ) {$120000.00} Paid with credit card XX/XX/XXXX {$620.00} for home inspection etc Home Inspection XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Credit Score as of XX/XX/XXXX XXXX All copies requested sent promptly Credit and Income approved XX/XX/XXXX Was advised in XXXX, nothing else was needed at that time, but would promptly let me know, and was in underwriting awaiting closing. Estimation went from XXXX, to XXXX, XXXX XXXX, XXXX, and now the end of XXXX. The delay all being blamed on Covid, and staff working from home I started this process with XXXX XXXX XXXX ( just giving me one excuse after another for the delay XXXX XXXX XXXX ( over XXXX ) XXXX XXXX XXXX ext XXXX The interest rates are slowly going up ( at present my interest rate is 5 % ) and with this delay it is ended up costing me going with another lender. If they are not going to follow through I certainly want my money back and promptly
Consumer complaint received 2021-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (RI)

I walked into Old Navy in XXXX RI and was offered a store card from the Sr. Team Lead. She rang up my items and offered me 52 % off my entire order stating I would save roughly {$50.00}. I proceeded to ask questions about the credit cards interest rate in which she did not know. I agreed because the offer would save me quite a bit of money. After signing for the card she rang out my purchase. I asked her how much I saved in excitement of the deal. She did not respond with the savings total, but instead proceeded to tell me the items I saved on. After I got home I noticed that I had not received {$50.00} off my entire order, but only a select few items. This practice is misleading and to say the people responsible are unaware of what the card entails and how its promotional values work is extremely fraudulent. I have contacted both the store manager and the 800 number with no success in rectifying this situation. It scares me to think that someone with such little knowledge should be handling peoples credit. I am looking for a GM to reach out and handle this situation immediately.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TN)

I have summarized in the previous two comment sections about my involvement and experience with a school, the school closing, and the application and process that I have been through with the clothes school loan discharge process. I have submitted attachments to justify and prove this long and unnecessary process. I can not define in words to express the hurt and suffering this is called to me XXXX, financially, and XXXX. This was a direct impact to my XXXX, to my support for my family, and the opportunities I lost.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (GA)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-06-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (OR)

I am a former customer of 5/3 Bank. I closed my accounts with them several years ago. I still receive reminders by email to pay certain bills. I have called them and they have assured me the emails will stop. And then i get another one. I don't want my profile to exist in their database anymore. Their system thinks i am still a customer, leaving open the chance that someone could steal my identity.
Consumer complaint received 2021-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation (GA)

I tried to apply for credit and was denied because of two credit cards from this creditor. I received the creditor information from the my credit report. I was incarcerated for 13 years and released this year in XXXX. My wife and I tried calling several times to get this issue resolved the right way. Everytime we call, we are transferred and put on hold for a long time or the department that handles fraud is closed. 

Im trying to get on my feet to help take care of my family and I cant because of this. I ask that you please look into this for me so I can establish credit and provide for my family. My certificate of release from XXXX XXXX XXXX XXXX  is attached.
Consumer complaint received 2021-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i HAVE SUBMITTED MY POLICE REPORT PLEASE REMOVE THE ITEMS. i CALLED CUSTOMER SERVICE AND THEY SAID IT TAKES 48 HRS. ITS BEEN MONTHS ... 

MY ID A BILL MY SOCIAL
Consumer complaint received 2021-07-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (OH)

I told CashNetUSA I needed to adjust automated payment dates due to income date change. I was told the dates couldn't be changed and I'd have to request 2 days before payment to have it moved every 2 weeks. I contact them as instructed and they have ignored the request due to improper response i.e. I didn't respond with I Agree or yes, or they " didn't receive '' request. This has caused my bank account to be overdrawn.