davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-05
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: ID Analytics, Inc. (OR)

Hi, There is a lot of old addresses on my credit report. I would like them removed because I am looking to buy a house in the near future. Because of identity theft and other things, I want the old addresses gone and i don't want someone claiming to be me at the old address. 

Thank you!
Consumer complaint received 2020-01-05
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. (OR)

Hi, We are requesting your assistance in having old addresses be removed from all 5 credit reporting bureaus. I am considering buying a house and i don't know how to get the old addresses removed. 

These companies would be : XXXX  XXXX  Transunion XXXX XXXX XXXX  XXXX Thank you for your help!!!
Consumer complaint received 2020-03-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc. (FL)

I was unaware of a debt I had with my old apartment complex. I was taken to collection back in XXXX, I was never given a written notice nor was I ever contacted by phone. I have noticed the collection on my report and immediately called the company to see why no attempt was made and the debt collector was very rude over the phone telling me that because I said I was unaware and I was not going to pay something I did not know was on my credit since there were no attempts to collect, she rudely told me well you are being recorded and I said I am aware. I called back trying to settle for less than the amount because to my understanding I did not owe that much, I was told they can only settle for {$940.00} on a {$1200.00} debt which again I'm not sure why I'm getting charged this much. I was told they would do that and no less and if I wanted it to be less I would have to requested by a letter. I wrote a letter and brought it to their office and the receptionist was very rude while receiving it stating that because I have desputed I have to wait 30 days per company policy to hear back from the company about my dispute. This is the response that I'm getting even though I'm saying I have the money to settle. I called today ( XX/XX/2020 ) and the receptionist rudely told me I have to wait 30 days for their decision saying I brung the letter on the XXXX of XXXX of the current year when I brung it on the XXXX, she stated " well you brung it only three days ago so you have to give us 30 days ''. This people are highly unprofessional and their collection ethics are not right. Again, I contacted the company and there has been no attempt to collect in any form even though they have my phone number and current address, I am being told about this debt without any kind of written explanation to what I'm getting charged for or anything. I am simply requesting to settle for half of the amount and they are absolutely just making it impossible for me to settle this with them. This company is very disrespectful to their clients and should not be in business. Just by reading the XXXX reviews you can tell everyone is experiencing the same issues because they just don't care about Fair Debt collecting and they want to make you think that you have no other options but to pay them and not dispute. One of the collectors told me " well that's going to stay on your credit unless you pay it, she said if " you don't want to pay it is fine is your credit ''. That's not a way of talking to someone. And today XX/XX/2020 their receptionist told me because my letter states they have 15 days to give me an answer and they take 30 she said " you can withdraw your offer, that's fine ''. These people don't care about the consumer and they treat everyone like they are nothing. Someone needs to do something about this company. 
Below I will be attaching some XXXX  reviews of other people who also has dealt with the same issues as me as well as a photo of my written letter.
Consumer complaint received 2023-06-29
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-06-08
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)

I applied for a house I am trying to rent today XX/XX/20 and when my credit report came back I was told that I did not qualify due to having several accounts reflecting badly on my credit. I had no idea what accounts it could be because I have never let any of my accounts or loans go negative. I looked through my report and I saw about six accounts that I never opened. Those accounts do not belong to me and I did not give anyone permission to open them in my name using my personal information. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I contribute to any payments made towards any of these accounts. I have already filed a police report regarding these unauthorized accounts as well as a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2020-01-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (MO)

My wife had purchased a gaming system before XXXX from a website which quicky turned out to be fraudulent. We contacted our bank ( PNC ) immediately and once the charge processed we went through with the dispute. After several months the bank has denied our claim and randomly took out the money that was given back to us. They pulled the funds out on a Saturday night so we couldn't reach out and complain or contact them about this issue.
Consumer complaint received 2024-04-08
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Account Systems of Omaha, LLC (NE)

National Account Systems has continuously reported a debt on my credit that I do not owe. I have sued the original creditor ( XXXX XXXX XXXX ) for falsely sending me to collections and this matter has been taken care of in the court of law in XXXX XXXX. This creditor is continuing to report and attempt to collect a debt they have no legal grounds to collect. 


Previous CFPB complaint : In XXXX of XXXX I was approved for rental assistance in the amount of {$2200.00}. The State of Nebraska contacted XXXX XXXX XXXX for address verification to send the rental payment and XXXX XXXX XXXX advised they would no longer be accepting rent from me and had given me a XXXX  day notice to vacate the property. I contacted the Property Manager XXXX XXXX who also stated they would no longer accept rent and wanted me to vacate the home I occupied since XXXX. They refused the rent check and have now sent me to collections for {$3300.00} requesting rent for the same months they previously refused to accept. Even after refusing the check, I sent numerous emails to resolve the situation amicably and they chose not to respond or return any of my calls. I have a current court case that will occur in XXXX of XXXX regarding this company defaming me and for breach of contract for not accepting the rent balance when tendered. The state of Nebraska has provided documentation that will also prove XXXX XXXX declined to accept any rent on my behalf and had sent me a non-renewal of my lease agreement.
Consumer complaint received 2020-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

With respect to CFPB complaints XXXX and XXXX In the complaints dated XX/XX/2019, the following hard inquiries were disputed with TransUnion and XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CT XXXX XXXX XXXX XXXX Cr XXXX XXXX, MD XXXX XXXX, PA XXXX XXXX   XXXX XXXX XXXX XXXX, UT, XXXX In light of the fact that the complaint were filled XX/XX/2019 and to this date a response has not been reported with the CFPB, I hereby request that all the items identified in the complaints be immediately deleted in accordance with FCRA.
Consumer complaint received 2024-01-11
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (IN)

I bought a XXXX XXXX XXXX XXXX XXXX in XX/XX/2023 for {$3400.00} dollars from Diamonds international. It was purchased with a comenity bank credit card. Two days after buying it I noticed 2 Diamonds missing, so I contacted Diamonds International for a refund back to my card for the ring to be returned to them. Which after many months of going back and forth with them they refused. So I disputed the charges with comenity bank and ask them to do a charge back to Diamonds International for defective merchandise that was sold to me and comenity bank refused. They said I signed an agreement that said Diamonds International would give me store credit if I returned the ring. I have tried contacting Diamonds International to return the ring for store credit and I'm being ignored again. This has been going on for almost a year and I've not wore the ring I'm paying {$3400.00} dollars for but one time and that was in XXXX XXXX  because I'm afraid more diamonds will fall out. I notified comenity bank once again for them to do a charge back and once again they refused. I'm being ignored by Diamonds International on how to return the ring so now I don't want to return it for store credit because I don't trust neither company. I may return the ring and never see any store credit and if I did receive store credit what kind of jewerly will I receive? More junk that they are trying to fraudently pawn off on a customer just to get their money. Diamonds International is a scam to begin with. There's multiple complaints on that company online. I just wish I would have seen them before I bought my ring. Comenity bank doesn't care about their customers either. I'm very dissatisfied with both places.
Consumer complaint received 2024-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (TX)

JEFFERSON CAPITAL SYSTEMS LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX Account Number : XXXX My name is XXXX XXXX XXXX XX/XX/XXXX last XXXX of ss # XXXX Jefferson Capital Systems is reporting that I opened an account with them on XX/XX/XXXX which they are a XXXX party hard tactic collection company that goes after really old debit and makes it look like it is current debt that is owed even though it is very old debt. If you look at all the complaints for this company on XXXX you will see I am XXXX of only XXXX 's with the same issue. By them adding a debt that is XXXX  years and XXXX  months old saying I just opened the account in XX/XX/XXXX it has dropped my credit score and all the credit companies are saying it will remain on till XXXX/XXXX/XXXX which will make it almost XXXX XXXX XXXX before it falls off. This company needs to either remove it from my report since it is almost the 7 year mark anyway or update that it was XX/XX/XXXX as date opened since that is the accurate dat it should be.
Consumer complaint received 2020-01-05
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: Experian Information Solutions Inc. (DC)

With respect to CFPB complaints XXXX and XXXX In the complaints dated XX/XX/2019, the following hard inquiries were disputed with XXXX and Experian : XXXX XXXX , XXXX XXXX XXXX, CA XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, UT, XXXX In light of the fact that the complaint were filled XX/XX/2019 and to this date a response has not been reported with the CFPB, I hereby request that all the items identified in the complaints be immediately deleted in accordance with FCRA.
Consumer complaint received 2020-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (GA)

Attention : XXXX XXXX Citibank and the merchant has made false allegations about this disputed transaction. In the letter dated XX/XX/2020, Citibank claims that the services were provided by the merchant - and that the customer arrived after the service had ended for the day. 

These are false statements and hence the transaction remains disputed. Please ask the merchant to provide evidence that the customer " arrived after the service had ended for the day. '' The customer arrived within the promised time and the merchant denied the customer the prepaid service. 

If the merchant is unable to provide any evidence that supports their claim that the customer arrived late, then, please re-open this dispute and rescind the funds from the merchant 's bank. 

Thank you
Consumer complaint received 2020-01-05
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. (DC)

In reference to CFPB complaints XXXX XXXX In my complaint, I indicated there are inaccurate or incomplete items appearing on my XXXX and Transunion credit reports regarding the account by XXXX XXXX XXXX XXXX Account # - XXXX XXXX  XXXX XXXX, XXXX  DC XXXX And as such the account should be deleted. 

XXXX failed to investigate the complaint in a timely manner ( over 150 days ) and as such the item should be deleted immediately. 

Transunion fained to investigate the complaint in a timely manner ( over 150 days ) and as such the item should be deleted immediately. 

Furthermore, the results of the investigation conducted by XXXX led to the deletion of the account. See below : ( Thank you for submitting your complaint on XX/XX/19 through the CFPB Complaint Portal. In your complaint, you indicated there are inaccurate or incomplete items appearing on your XXXX credit report. We initiated an investigation into the items and the results are below : Account # - XXXX The results are : This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX DC XXXX. The results of the investigation have been mailed to you. If you have any additional questions or concerns in regards to the updates made to your XXXX Credit Report, please refer to the mailed revised copy or visit us at XXXX XXXX XXXX or contact a Customer Service Representative at XXXX. 

Account # - XXXX The results are : This item has been deleted from the credit file. ) As a result I request that the item should be deleted from my report with both Transunion and XXXX.
Consumer complaint received 2020-01-05
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: Lending Club Corp (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-01-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a CD at Bank of America on XXXX and deposited {$30000.00}. Annual percentage yield : 3.20 %, deposit period 13 months. Maturity Date : XX/XX/XXXX. 
I opened a CD on XX/XX/XXXX /Withdraw this amount in XXXX and find that the interest is only {$820.00}. 
It is easy to calculate {$30000.00} x 3.2 % = {$960.00} annual interest, and it should be more in 13 months. 
I asked the bank staff about this matter, but the staff didn't understand either. After asking my superiors, they replied : This matter is not under their control. I was asked to contact the CD department of Bank of America myself. I called the CD department and the staff said that they saw my response. The interest amount was {$950.00}, but he didnt know why it was {$820.00}. He couldnt make up for it for me. He could only report it to his superiors, and it might take two months to get back to me. 
This was clearly an act of fraud or corruption, so I reported the matter to the CFPB
Consumer complaint received 2022-12-26
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. (NC)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX 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
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I have no knowledge of any accounts with XXXX XXXX. Ive never ordered anything or received any services from this company. Ive repeatedly disputed this account with each credit bureau and asked for validity of this account. No one has ever sent me any signed contracts or anything verifying that I own an account with XXXX XXXX or that I owe them any money. This account is negatively affecting my credit and hindering me from obtain any good credit.
Consumer complaint received 2022-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I don't remember too much update but this night I was waiting for my paycheck and when I check my account there was about {$5000.00} in my account then all of a sudden there was XXXX in my account And so I so quickly switched any logged information in all that I was afraid someone had my information lo and behold a hacker had gotten ahold of my stuff and even sent money from one of the apps and USAA a said that it was my fault there's nothing they could do and I've complained multiple times and they've told me to luck
Consumer complaint received 2022-12-26
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P. (OH)

On XX/XX/XXXX a lawsuit was filed in XXXX XXXX small claims court for a XXXX XXXX XXXX account. Case Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX, XXXX. Instead of going to court I elected to take the matter to arbitration with XXXX  as allowed in the credit card agreement. On XX/XX/XXXX the XXXX stayed the case pending the outcome of arbitration. There were no objections so the XXXX adopted the decision as the final order on XX/XX/XXXX. 

I filed for arbitration with XXXX in XX/XX/XXXX. XXXX XXXX never responded to the demand for arbitration and XXXX closed the case on XX/XX/XXXX. 

I have not heard anything about this since the XXXX case was closed until this week. I applied for a loan on my house. The property report came back showing a judgment owed to XXXX XXXX. There was never a judgment in the case and should not be one showing as owed! 

I confirmed with the XXXX XXXX XXXX of Courts that there is no active judgment for that case and the case is indeed closed. 

I could not find any information on the company XXXX XXXX XXXX XXXX XXXX XXXX. XXXX led me to an address which came back to a phone number XXXX. That number was for a company named XXXX XXXX. I spoke to someone there who acknowledged they did work with XXXX XXXX in the past. He did not have any information on the account except that it was transferred to Resurgent Capital Services. I called Resurgent and the lady was able to locate the account. The account is showing in their system as a closed account as of XX/XX/XXXX. They do have a department that works with judgements/liens but they wouldn't talk directly to me so the lady had to 'escalate ' the issue to that department and said I should call back every few days to check on the status. 

There should be no judgement  or XXXX in place for this and I can not find answers to get it removed. At this point I will not be able to secure the refinancing because of this.