davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX, I submitted a dispute on a charge that I did not authorize. I submitted evidence from the merchant stating that the money had been returned to the bank. However, because the charge was originally made with a different bank, and the account was transferred to this new bank, they have not been able to reconcile the dispute in a reasonable manner. Additionally, through the dispute resolution process, pertinent information was withheld in what seems like an attempt to not resolve the dispute and I will detail that here. I received an initial email notification on XX/XX/XXXX stating the dispute was opened, but was not informed of a dispute resolution process. On XX/XX/XXXX, I received an email stating that the bank had been trying to contact me, and I have no record of their attempt to contact. I contacted the dispute resolution department team shortly afterwards, and a crucial piece of the process was not disclosed to me. On XX/XX/XXXX I was notified via email that the dispute was closed, in that communication I was not informed of a reopening process. On XX/XX/XXXX, I called the same department and spoke to a supervisor. I was not offered a chance to reopen the dispute, nor was I informed of a withheld piece of information. Instead, I was directed to submit a formal complaint to a different department, which I did. The executive office followed up with me the next day, and encouraged me to reopen the case within their communication. On XX/XX/XXXX, I attempted to reassert my claim, but was informed I was not able to because I was outside the time limit on a right to dispute, which ended on XX/XX/XXXX. There are two issues that I have with this overall - First, I have documentation from the merchant stating that the charges have been sent back to the bank. And second, I went through an entire dispute resolution process, and was not informed of a policy until well after the policy expired.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I sent a letter to remove these inquiry and personal informations that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these inquiry and personal information not later than 4 business days. 
XXXXXXXX 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 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 


XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion
Consumer complaint received 2022-10-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2020-01-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have disputed this account and asked for verification as per the fair credit reporting act. All I got was a copy of some bills. Nothing with my signature, social or copy of my ID. I don't even have a copy of any contract. This account isn't mine so in the middle of disputing now they are being sneaky and trying to sue me now that I am disputing this and they have no proof. I want all the information I'm asking for. I do not owe {$750.00} + {$50.00} filing fee+ {$7.00} service fee= {$800.00}. What is owed is how someone can open up an account in my name and me dispute it and the company not provide me with anything but saying they verified this account is accurate but how? Because I'm still waiting on proof.
Consumer complaint received 2023-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (KS)

I was notified through email that I had a new negative credit alert. I checked the alert and it said that I have been sent to collections with Jefferson Capital for {$9400.00} on XX/XX/XXXX. The original debt was apparently placed through XXXX XXXX  on XX/XX/XXXX. I did not open this account and was not aware of the account until XX/XX/XXXX. I have notified Jefferson Capital and Filed a dispute and I also filed a dispute through XXXX. 

I have not received any documentation about the debt aside from the credit alert on XXXX.
Consumer complaint received 2019-12-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these line items however, I have not been successful.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My credit report is showing late payments to CAPITAL ONE XXXX XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative. And, also I dont know this item, not mine. You're reporting this item erroneously. This is an error and inaccurate information must be deleted from my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete this.
Consumer complaint received 2023-02-15
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: EQUIFAX, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 
Please remove these items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-06-07
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. (NY)

In XXXX of XXXX, I noticed several indicators of identify theft and errors on my credit report. I began the freezing process and contacted all Bureaus to resolve the errors. Most have been cleared up within the week of reporting. However, there is one hard inquiry that remains on my Equifax report for XXXX XXXX Bank. When I dispute it with Equifax, they find it " true and will not remove it. '' When I contact XXXX XXXX Bank, they told me this was fraud and not me and that they sent a letter to Equifax to remove this inquiry. This still has not been removed from my report. Equifax will not do a through investigation to have accurate reports, I do not trust them.
Consumer complaint received 2019-12-10
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: EQUIFAX, INC. (DC)

I contacted the company in regards to my credit report showing inaccurate and incomplete accounts information. Reporting to creditors and lenders different information than what's being showed on my credit profile. Also, accurate are reappearing after been deleted for statue of limitations or dispute them and no validation from the creditors. The original date of delinquency is not listed, payment history, amount owed or Collection Names of account hold. Also, there are several inquiries I am requesting to be disputed in while they prevent me from doing. I filed one dispute and need to do another but XXXX refusing to allow me to do so. Please help me to result this issues. And because XXXX reporting inaccurate information I getting denial letters, inquiries on my report and decrease in my credit scores
Consumer complaint received 2019-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I contacted the company in regards to my credit report showing inaccurate and incomplete accounts information. Reporting to creditors and lenders different information than what's being showed on my credit profile. Also, accurate are reappearing after been deleted for statue of limitations or dispute them and no validation from the creditors. The original date of delinquency is not listed, payment history, amount owed or Collection Names of account hold. Also, there are several inquiries I am requesting to be disputed in while they prevent me from doing. I filed one dispute and need to do another but XXXX refusing to allow me to do so. Please help me to result this issues. And because XXXX reporting inaccurate information I getting denial letters, inquiries on my report and decrease in my credit scores
Consumer complaint received 2022-10-03
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. (MD)

Approximately on XX/XX/2022 I disputed incorrect open dates on my auto loan for XXXX XXXX XXXX across all 3 credit reporting agencies. They all displayed different and inaccurate open dates and balances. XXXX decided to remove the account from my credit report but it remained on the other 2 credit reporting agencies. The accounts were updated and still reflected inaccurate and different open dates.
Consumer complaint received 2019-12-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I called TransUnion in XX/XX/XXXX to dispute data on my credit report. 
While some inaccuracies were less significant such as inclusion of my deceased father 's name and outdated phone numbers, my primary complaint about a late payment on a closed XXXX XXXX ( XXXX ) account was not addressed or corrected. 
Before contacting TransUnion, I called XXXX concerning the corresponding account number listed on the TransUnion credit report and XXXX informed me that they had no record of me having such an account. 
I then contacted TransUnion to question their report. I told the TransUnion rep that XXXX had no record of me holding the listed account and requested TU to either provide a corrected XXXX   account number or delete the listing of a XX/XX/XXXX late payment of the listed {$5.00} balance.
Consumer complaint received 2022-10-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( 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 need to be investigated and corrected from erroneous reporting in my file are listed on 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
Consumer complaint received 2019-12-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A),  Credit reporting agencies (XXXX , Equifax , XXXX) are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they posted on my credit report.  I demanded to see Verifiable Proof (an original Consumer Contract with my Signature on it) that have on my credit file of the accounts. After I kept disputing and sending letters, they have failure to positively verify those accounts that has been hurting my ability to obtain credit.   Under the FCRA, unverified accounts must be removed, and they are unable to provide me a copy of verifiable proof. They must remove those accounts which have been listed on my credit report.
Consumer complaint received 2023-10-02
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NV)

I have sent more than 2 dispute letters to JEFFERSON CAPITAL SYSTEM ( JCS ) via certified mail at their given address of : XXXX XXXX XXXX XXXX XXXX, MN XXXX. 

THERE HAS BEEN NO WRITTEN RESPONSE to the consumer to validate the alleged debt discusses in each dispute letter. 

This has cause me great pain in business collaborations and opportunities for my family, because this account is reporting negatively on my credit reports.
Consumer complaint received 2023-02-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on mXXXX XXXX XXXX XXXXrd. To this present day, over XXXX  days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2019-12-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A),  Credit reporting agencies (XXXX  , XXXX  , Transunion) are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they posted on my credit report.  I demanded to see Verifiable Proof (an original Consumer Contract with my Signature on it) that have on my credit file of the accounts. After I kept disputing and sending letters, they have failure to positively verify those accounts that has been hurting my ability to obtain credit.   Under the FCRA, unverified accounts must be removed, and they are unable to provide me a copy of verifiable proof. They must remove those accounts which have been listed on my credit report.
Consumer complaint received 2023-02-24
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. (FL)

The credit bureaus are continuing to report inaccurate information on my credit reports. The student loans from DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX U S DPT OF EDXXXX XXXX, U S DPT OF ED/XXXX XXXX U S DPT OF EDXXXX XXXX U S DPT OF EDXXXX XXXX U S DPT OF EDXXXX XXXX U S DPT OF EDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX, DPT EDXXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX XXXX DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX are reporting opened when these accounts are closed. 

This has caused so much damage to my credit reports and has hindered me from getting approvals. I have disputed these accounts with the credit bureaus XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 AND XX/XX/2022 and they have not conducted a proper investigation. 

Because it is no way that DP OF EDUC, U S DEPT OF EDXXXX, US DEPT ED, DPT ED/XXXX, DOE XXXX would have verified that XXXX XXXX are opened when they are closed. 

I am demanding that the following accounts DP OF EDUC XXXX, DP OF EDUC XXXX, DP OF EDUC XXXX, DP OF EDUC XXXX, U S DPT OF ED/XXXX XXXX, U S DPT OF EDXXXX XXXX, U S DPT OF EDXXXX XXXX, U S DPT OF ED/XXXX XXXX, U S DPT OF EDXXXX XXXX, U S DPT OF ED/XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX US DEPT ED XXXX , US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX DPT EDXXXX XXXX, DPT EDXXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX XXXX DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX, DOE XXXX XXXX be deleted from my reports asap due to numerous violations of the FCRA.
Consumer complaint received 2019-07-15
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. (MO)

I'm disputing the accounts listed within this complaint on the mere fact that these accounts do not belong to, identity has been compromised years ago and I'm still effected by it. I'm demanding that the credit reporting agencies look into this matter beyond electronic verification before reporting these fraudulent accounts on my credit files Accounts that shall be blocked. 

1 ) XXXX XXXX XXXX  {$3600.00} 2 ) XXXX XXXX XXXX {$240.00} 3 ) XXXX  XXXX XXXX   XXXX 4 ) XXXX XXXX 5 ) XXXX/ XXXX XXXX 6 ) XXXX XXXX  7 ) XXXX  XXXX
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: I.C. System, Inc. (GA)

-In XXXX of XXXX i declined to pay {$100.00} to XXXX XXXX XXXX XXXX 
-In XXXX of XXXX i received DEROGATORY ACCOUNT from IC System and my Credit Score was decreased in 30 points.

ATTENTION! ALL FOLLOWING ACTIONS OF IC SYSTEM ARE INAPPROPRIATE AND ILLEGAL! 
XXXX XX/XX/XXXX i received FOUR DEROGATORY ACCOUNTS, {$100.00} each. My credit scores were decreased ANOTHER TIME.

-I submitted complaints, probably, twice, and received a response from IC System they are going to leave me alone, but it never affected my alerts. 
-In XXXX OF XXXX i received already TWO!!!! Derogatory accounts from IC System, {$100.00} each.

-I gave IC System telephone call and requested to solve the issue, but I never heard back from them. 
STOP MESSING UP WITH MY CREDIT SCORES! I WAS NOT PREAPPROVED FOR MY CAR RE-FINANCE BECAUSE OF YOU! I WAS NOT APPROVED FOR CREDIT CARD! 
GET OUT FINALLY OFF MY ACCOUNT! I WILL NOT PAY YOU! NEVER!