davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-15
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. (TX)

My student loan servicer XXXX is incorrectly reporting information. Both on their website and to credit reporting agencies. 

My loans were discharged as I am 100 % XXXX veteran. As such the loans should be paid in full, closed. That's how they should appear and be reported. However, when I check the credit reporting agencies and when I get my mortgage verification document from XXXX, they show as closed but still owning $ XXXX in loans. This is inaccurate, this is wrong, and I am being harmed from obtaining a mortgage. 

Please correct this.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA (WI)

The information that has been provided to the credit companies in regard to me co-signing for a student loan is incorrect. I been a victim of identity theft over the last 10 years or more. I have placed credit freeze ( more than a few times ) and credit alert in my credit report. The reason I never knew about these accounts is because I never received any bills or statements. I would never open an account and not pay it off. I'm XXXX XXXX XXXX. If anyone would take the time to check the address were these bills are being sent that should make it clear this is not my account or just check how I have paid my bills over the past almost XXXX  years. Will, someone please rectify these issues in my credit report Thank you
Consumer complaint received 2021-09-15
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)

My student loan servicer XXXX is incorrectly reporting information. Both on their website and to credit reporting agencies. 

My loans were discharged as I am 100 % XXXX veteran. As such the loans should be paid in full, closed. That's how they should appear and be reported. However, when I check the credit reporting agencies and when I get my mortgage verification document from XXXX, they show as closed but still owning $ XXXX in loans. This is inaccurate, this is wrong, and I am being harmed from obtaining a mortgage. 

Please correct this.
Consumer complaint received 2021-01-04
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. (DE)

The XXXX account on my credit has been reported as fraud to XXXX years ago as I was encarcerated at the time this happened they said they would investigate it and it got taken off and its back on again and this account is 7 yes old I just want it removed now it only shows on XXXX  and equinox not XXXX
Consumer complaint received 2021-01-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX, TRANSUNION, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Consumer complaint received 2021-09-15
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. (CT)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2020-06-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

Common wealth financial systems its about XXXX XXXX XXXX a # XXXX for the amount of {$1200.00}. Call them and let them know that this account is not mine but they still report it in the credit bureau
Consumer complaint received 2021-09-15
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. (LA)

I've gotten in touch with all 3 credit agencies to report all the collections and inquiries on my report to have them removed because there's no signature or validity to any of these there's XXXX XXXX  THAT'S REPORTING I HAVE 4 OPEN ACCOUNTS AND XXXX XXXX REPORTING I HAVE 2 WITH THEM IN WHICH NONE IS TRUE I NEED ALL ACCOUNTS AND IINQUIRES REMOVED
Consumer complaint received 2021-01-04
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX, XXXX, AND XXXX  ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Consumer complaint received 2021-01-04
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. (CA)

XXXX, TRANSUNION, AND XXXX  ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Consumer complaint received 2021-01-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

EXPERIAN, XXXX, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Consumer complaint received 2021-09-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: A/R CONCEPTS, INC. (IL)

I receive a call from a representative from ar concepts in relation to a medical bill from 2 years ago that I was unaware of as I only went to the practice once. I asked for validation of the debt to be sent to me in writing, I was refused. And told to contact the original debtor. The agent was extremely rude and pressuring. I asked to not be contacted by telephone for this matter and asked verbal to cease and desist all calls and to only contact me by mail. I disconnected the call. And was immediately called back by the same representative and told that he can continue to call me that he would be reporting to my credit threatening damage to my credit report, as well as threathening to file law suit against me. After calling the original debtor I was told they can not speak to me in the matter as at concepts now owns the debt but the debt is resulting from incorrect billing in the first place of which I did not receive notice of as they had the wrong address.
Consumer complaint received 2021-09-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I do not owe these people any money and I would like for them to stop sending me court paper plus Im currently having problems to pay my own expenses how can I pay debt collator.I was out of work because of COVID-19 and I still havent recovered from it yet.
Consumer complaint received 2021-01-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

EXPERIAN, XXXX, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Consumer complaint received 2021-01-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX, TRANSUNION, AND XXXX  ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Consumer complaint received 2024-05-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Betterment LLC (WA)

On XX/XX/XXXX I initiated an XXXX transfer from Betterment XXXX to XXXX for a brokerage account. On XX/XX/XXXX Betterment declined this request with a reason of a mismatched social. My wife and I went into XXXX, reviewed our socials and they were both correct. I contacted Betterment and gave them our socials, which they claimed were correct. We resubmitted the transfer and it once again was rejected by Betterment for the same reason. We resubmitted once again and I got another declined transaction from betterment on XXXX. I called Betterment again on XXXX and was told by the agent she couldn't help me. She was submitting something to their operations team and they would respond in 1-2 business days. That time has now passed and no one has reached out to me. 

Betterment is trying to withhold my money and not providing details or solutions as they continually reject our request to transfer out funds.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I had an auto loan with XXXX XXXX which began XX/XX/XXXX. The auto loan was completely paid off in XXXX of XXXX. Also in XXXX on a recorded call XXXX agreed to remove ALL late payments on my credit report. The reference number to the XXXX case was XXXX. After a couple weeks of not removing it. I called back in XXXX to check the status. The representative acknowledged that she seen the agreement from XXXX and was confused of why it wasnt yet resolved. The rep open a separate case to attempt to get it resolved faster. The XXXX reference number is XXXX. As of today the late payments for XXXX and XXXX are still present on my credit report. XXXX XXXX failed to remove the negative marks as agreed. Im requesting XXXX XXXX to remove these negative marks from all 3 credit bureaus Equifax, XXXX and XXXX as soon as possible.
Consumer complaint received 2022-02-20
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: EQUIFAX, INC. (NY)

I would like to state that XXXX is in violation of 15 USC 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumers. I the consumer never gave XXXX any written consent to report anything on my consumer report. No consent is identity theft. I have enclosed a Identity Theft report which states that account ending in XXXX are being illegally furnish on my consumer report. I demand that you remove these inaccuracies off my consumer report. If they are not removed I will not extend my credit to anyone or allow XXXX to furnish a report for me. I would like to state that pursuant to 15 usc 1681 ( a ) ( 2 ) that the banking system is dependent upon fair and accurate consumer reports. By XXXX allowing these inaccuracies to be furnish on my consumer report it has cause me to lose confidence in the banking system. If XXXX wants to continue doing business with me, they should delete these inaccurate account off my consumer report.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TN)

I had an auto loan with Ally Financial which began XX/XX/XXXX. The auto loan was completely paid off in XXXX of XXXX. Also in XXXX on a recorded call Ally agreed to remove ALL late payments on my credit report. The reference number to the XXXX case was XXXX. After a couple weeks of not removing it. I called back in XXXX to check the status. The representative acknowledged that she seen the agreement from XXXX and was confused of why it wasnt yet resolved. The rep open a separate case to attempt to get it resolved faster. The XXXX reference number is XXXX. As of today the late payments for XXXX and XXXX are still present on my credit report. Ally Financial failed to remove the negative marks as agreed. Im requesting Ally Financial to remove these negative marks from all 3 credit bureaus XXXX, XXXX and XXXX as soon as possible.
Consumer complaint received 2021-09-15
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. (TX)

XXXX XXXX is an account on my Transunion credit report. The balance was finally updated, but the account was not removed. Creditor and doctors office agreed to remove the account from my credit report once the balance was paid. Balance was paid, please get it off of my report.
Consumer complaint received 2021-01-03
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}, {$12000.00}, {$1900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS XXXX.XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$4500.00} -This is not my account. 

XXXX. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account.
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

On 2 previous occasions, I have tried to get Experian Credit bureau to report accurate information on their credit reports regarding my name and address. This will be the third and last attempt for them to get it right. Experian has a negative history reported on the Internet regarding falsely reporting of consumer credit report information and I do not want to be their next victim.

I want them to remove past residence addresses, phone numbers etc. Since I don't live at these addresses anymore the USPS can not deliver that mail to me. And they are not reportable as per the FCRA. Since they are inaccurate. Enclosing information. Also both XXXX and XXXX have received information from a creditor regarding a negative dispute date for FCRA required removal of a specific item. Both XXXX  and XXXX have removed this negative item from their reports, Experian acts like it doesn't exist. It The item has yet to be removed.
Consumer complaint received 2021-01-03
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. (NC)

I have attempted to remove some unauthorized inquires off of my credit for about 4 times now over the past few months with very little success. I feel as if the bureaus arent taking the time to actually delete them off of my report. All the evidence and documents have been provided so there is no excuse to keep them on my report. FTC REPORT # : XXXX This is a real claim. There are many inquiries remaining and I am demanding them to be removed, last dispute was sent XX/XX/2020. That is more than enough time to block, and pursuant to 605B if there are remaining items from last dispute they have violated that law!
Consumer complaint received 2021-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On my XX/XX/XXXX billing statement ( payment due XX/XX/XXXX ), I have a Balance Transfer balance subject to interest ( 15.90 % ) of {$5300.00} and a non-interst bearing balance ( Promotional Cash Advance ) of {$4200.00}. When I discovered the XXXX balance was interest bearing, I submitted a payment of {$5300.00} on XX/XX/XXXX. Upon reviewing the XXXX statement, I discovered USAA did not allocate my payment to the interest bearing balance that I intended to pay off. I called USAA on XX/XX/XXXX ( spoke to XXXX ) to inquire if USAA 1 ) could explain how the payment of XXXX was allocated because the 2 remaining XXXX balances only decreased by {$3400.00}. 2 ) Request that USAA go back and allocate the payment as I intended to avoid further interest charges. After an hour of explaining my position, the rep could not explain USAAs method of allocation and he further explained the only way to avoid interest charges was to pay the account balance in full ... even the non-interest bearing balance. Although I am carrying 2 promotional balances ( no other account charges ) I should be given the option of paying off the interest bearing balance or be given their method of allocation so that I can submit the payment amount to avoid further interest charges.
Consumer complaint received 2021-09-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was told a soft inquiry would be done not a hard inquiry. I did not signed any documents agreeing to run my credit, and i do not appreciate being lied to just so they can make a sale. 
XX/XX/2020 XXXX XXXX XXXX, Bank of America XX/XX/2020 XXXX Credit
Consumer complaint received 2021-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

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 2021-01-03
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. (OH)

Hello, I have sent out multiple dispute letters to the 3 bureaus ( Equifax, XXXX, XXXX  ) with very little success. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are Unathorized and I want them off my credit. The bureaus continuouslly stall and its very annoying.
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one credit card is current with all on time payments BUT the payments of XXXX XXXX, XXXX and XX/XX/2019 are reported late INCORRECTLY. I suggest and request capital one to remove these late payments. 
If this reaches to the correct department please listen to the recorded call in XX/XX/2019 on which your representative set me on automated payments and enrolled me in a program which i followed. 
Please dont put me on a mistake which your repetitive made.
Consumer complaint received 2021-01-03
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (AZ)

Got a sams club creditcard. My credit score is XXXX. But according to the sams club report my credit score was XXXX. So my interest rates and fees etc for the creditcard is not correct now either. I dont know what to do now