davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-13
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: Experian Information Solutions Inc. (MO)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-04-10
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: EQUIFAX, INC. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$6700.00}
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (NY)

A Consent Order ( File No. 2017 XXXX XXXX  ) was administered in XXXX and directly effected me and my family. A small monetary compensation was provided but I am still feeling the effects three years later, however it is correctable. The inaccurate credit reporting lead other creditors to lower credit limits, increase interest rates, decline mefor credit, etc. Therefore, even after the consent order was complete the effects are still impacting me. If I can step by step rebuild where I was before this catastrophic financial event. My request is to increase my credit limit to where it was prior to this which was {$7900.00}. Currently, it is {$6100.00}. This decreases the usage rate which impacts my credit score which makes me as creditworthy as I was before this error documented in the consent order took place.
Consumer complaint received 2021-12-11
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

When they ask you to write in details about the complaint : I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via XXXX certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was also deleted from my XXXX and XXXX reports as well so in order to correct the inconsistencies between the XXXX, XXXX, and XXXX credit reports, the account needs to be deleted from the XXXX credit report. 

The information for this account listed on my credit report is : CREDITOR : USAA SAVINGS BANK, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$770.00}
Consumer complaint received 2021-12-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2020-04-10
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. (AL)

In 2017, along with a co-signer, I signed a lease at the age of XXXX. In Alabama the minimum legal age to sign a lease is XXXX. The company continues to pursue me, rather than my cosigner, for this debt and it continues to be reported by transunion on my credit file.
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (AZ)

Experian SOLD our information to a BUNCH of mortgage companies and we are now getting an average of XXXX calls a day from very early in the morning to late at night XXXX days a week! We are on a DO NOT CALL LIST and they ignore that. It is XXXX as we are NOT refinancing our mortgage, but SELLING our home. To day alone I got XXXX calls from the SAME company " XXXXXXXX XXXX XXXXXXXX '' and all quoted Experian as their source.
Consumer complaint received 2020-04-10
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: SYNCHRONY FINANCIAL (NY)

Recently I been unable to make two payments for my jcpenny account because u haven't been working a lot of hours and I been so busy I forgot about my jcpenny but I recently made a payment in XXXX of {$85.00} I'm now able too make the payments and I spoke with the lady and couldn't understand why it was reported to my credit and my points went down with XXXX 61 points XXXX XXXX 51 points if u look at my history I always paid on time I just felled on hard times I'd understand why so much points was taken away from me I did not receive a letter or anything about my limited was decreasing I called after I made the payments and she told me I can increase my limited but I was denied and I have this report in my credit
Consumer complaint received 2021-12-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (CA)

I applied for a payday loan I got approved for {$250.00} I paid back 315+300 of charges of my bank because they tried so many times {$35.00} every time it was rejected. Not far they just keep changing the bank. Cant find loan number anywhere.
Consumer complaint received 2020-04-01
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. (MN)

The following accounts listed on my Experian, XXXX  and XXXX XXXX credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX, XXXX Credit Card from XXXX  Card Services, XXXX XXXX XXXX from the XXXX XXXX XXXX, XXXX  Card from the XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 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
Consumer complaint received 2020-04-01
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. (MN)

The following accounts listed on my XXXX, XXXX  and Trans Union credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX, XXXX Credit Card from XXXX  XXXX  XXXX, XXXX XXXX XXXX from the XXXX  XXXX XXXX, XXXX XXXX  from the XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.
Consumer complaint received 2020-04-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BMW Financial Services NA, LLC (CA)

I called this compa

ny Bmw financial services llc to Lower my monthly payment and renegotiate the payment plan, but its all show and no play. i told the agent that I am facing hardship due to coronavirus and all they did is send me this deferment plan of two months charging me a finance charge of {$130.00} over the age of the loan. this is a greedy and a third class company who has written on their website that they are going to help its customers but in realty doing nothing and just providing fake public empathy. I received two emails from BMW showing their fake empathy towards me that they are with the people in this testing time of Corona virus and epidemic but it is all false, they are just greedy about making money
and all their statements are false. So please don't get carried away by their spineless snarky statements.
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NV)

I have been trying to contact Amex serve at their customer service phone number provided for several days at different times of the day and night regarding an issue I need assistance with as soon as possible. I have now reached out to several other American Express departments and no one can seem to help me and keeps referring me back to this same number that has no one on the other line. I have money sitting there that needs to be reversed back to my account as I attempted to transfer to another account not knowing that they only will transfer to the same type of Amex account. So this money is going nowhere and I need it back into my account as soon as possible so I can pay these people in an alternate way. This is extremely unacceptable, unprofessional and terrifying that a company dealing with my money, my paycheck has zero ways for me to contact them!
Consumer complaint received 2020-03-31
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. (FL)

I cant understand how this is happening to me. I have a fraud Alert on my credit files, how is it possible that these company that i did not give consent to, is able to open accounts using my personal Information.  theses Account are fraud i did not authorize anyone or any company to open these accounts i want them removed from my credit files Thank you.
Consumer complaint received 2020-03-31
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: CITIBANK, N.A. (TX)

I payed off an account that was in collections from Macys credit. Since I payed it off with the collections company they sent in the paper work to Macys to clear the account completely. Now that covid-19 has caused a shut down I am unable to get this cleared off of my credit record and this is proventing me from obtaining a mortgage. Could I please have someone look into this situation for me.
Consumer complaint received 2020-03-31
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. (MD)

I am writing to delete the following information in my file .The items i need deleted are listed in the report .I am a victim of identity theft and did not make the charge.I ask that the items be deleted to correct my credit report.i reported the theft of my identity to the federal trade commission.and also have enclosed copies of the ftc identity theft affidavit please delete the items as soon as possible.
Consumer complaint received 2021-12-04
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: Navient Solutions, LLC. (PA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late as reported in my XXXX Credit Bureau. Lets correct this immediately. The XXXX is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

NAVIENT XXXX XXXX : {$6900.00} ;
Consumer complaint received 2021-12-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (OK)

XXXX was closed out prematurely and inappropriately by XXXX with Ally. After my inital complaint regarding Ally prolonging my refund, they are doing it again. I received the initial check on XX/XX/2021. Ally received an additional payout from XXXX insurance of {$600.00} dollars AFTER the XX/XX/2021 check. Since I was forced to pay off the loan in XXXX due to Ally 's delayal tactics and refusal to do their job, they now owe me an ADDITIONAL payment. It took XXXX a week to find the {$600.00}. XXXX verified on XX/XX/2021 that Ally did receive the {$600.00} XXXX payment on XX/XX/2021 and that they owed me an additional {$600.00}. Now, the complaint has been closed with her stating they do not owe me {$600.00}. I have been told my multiple people at Ally, the refund would take anywhere from 10-60 days. I was told twice, the {$600.00} would be expedited and mailed within 14 days in XX/XX/2021. I can not get a straight, truthful answer nor have I received the refund 64 days later. XXXX, herself, stated it is normally 30-45 days. After the complaint was closed, I called and left a message on XX/XX/XXXX and have not received a call back. If XXXX can't complete this complaint in a TIMELY and APPROPRIATE manner, someone who can complete this complain in a TIMELY and APPROPRIATE manner needs to take over. I will continue to file complaints each time a complaint is inappropriately closed out until I receive the final {$600.00} payment.
Consumer complaint received 2021-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly started that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-03-31
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation (OH)

I had a medical bill that is unresolved through the XXXX Fire Department. I am in the process of applying for financial aid for that debt but nonetheless the Fire Department sold the debt to a third party collection agency called " Penn Credit '' while the resolution regarding the financial aid is pending. I have been in contact with Penn Credit and they offered me a payoff amount of {$640.00} on a bill that was  approximately {$990.00}. I told them that I was first going to apply for financial aid on the bill because I was never given the opportunity to do so when I was injured. I informed them on the phone that I would call them when a resolution was reached with the fire department. I am still awaiting the results of the financial aid application. ( Likely due to the COVID-19 pandemic ). I am also in the process of disputing the validity of the debt with the fire department because I was involved in a minor incident that involved me having to ride in an ambulance for less than one mile, without receiving any medical care whilst in the ambulance. I was in contact with Penn Credit when I received the first letter from them saying that I was disputing the validity and applying for financial aid with the fire department. ( I'm a full time graduate student I have no health insurance ). They have my phone number and my address but instead have chose to repeatedly call my mothers cell phone instead. It happened again today and I saved the proof that they have called her cell phone multiple times while I have spoken with them. They have violated the FDCPA by calling my mother several times ( while I have never ceased communications with them ). They have also ignored my requests to stop calling my mother.
Consumer complaint received 2022-12-29
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. (FL)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NY)

A forged check number XXXX on XX/XX/2021 in the amount of {$6200.00} - with forged signature of non authorized signatory and forged check that looks nothing like the checks being used or used by account holder. The TD XXXX XXXX XXXX said they will not return funds for forged check. I was also in contact with branch manager who escalated the issue and TD bank said they will not return funds for fraudulent non authorized transaction. If TD bank does not verify signatory or checks issued what is the point of providing a signatory at account opening when no one verifies fraud on accounts.
Consumer complaint received 2022-12-29
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. (SC)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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 XXXXXX/XX/XXXX