davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-15
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. (GA)

The dates contained in my credit file for XXXX XXXX XXXX are incorrect. The date shown in the file is for a account with XXXX XXXX XXXX and not XXXX XXXX. The XXXX XXXX XXXX account was closed by the original creditor and the debt forgiven. XXXX XXXX XXXX is in direct violation of the FCRA. XXXX can only report debts that is owed to the original lendor or XXXX. XXXX XXXX XXXX   forgave the debt therefore XXXX XXXX no longer owes XXXX XXXX XXXX. XXXX XXXX is still pursuing the debt after the original lender dropped the debt. In accordance with the FCRA XXXX must produce documentation that XXXX XXXX has made an agreement that he owes a debt to XXXX consistent with the dates within the credit file. If XXXX can not produce documentation showing an agreement between them and XXXX XXXX the item must be removed or I will file a suit in Civil court against the credit agency and the debt collector.
Consumer complaint received 2019-02-15
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. (GA)

The dates contained in my credit file for XXXX XXXX XXXX are incorrect. The date shown in the file is for a account with XXXX XXXX XXXX  and not XXXX XXXX. The XXXX XXXX XXXX account was closed by the original creditor and the debt forgiven. XXXX XXXX XXXX is in direct violation of the FCRA. XXXX can only report debts that is owed to the original lendor or XXXX. XXXX  XXXX XXXX  forgave the debt therefore XXXX XXXX no longer owes XXXX XXXX XXXX. XXXX XXXX is still pursuing the debt after the original lender dropped the debt. In accordance with the FCRA XXXX must produce documentation that XXXX XXXX has made an agreement that he owes a debt to XXXX consistent with the dates within the credit file. If XXXX can not produce documentation showing an agreement between them and XXXX XXXX the item must be removed or I will file a suit in Civil court against the credit agency and the debt collector.
Consumer complaint received 2022-12-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

Under the fair credit reporting act i want to know the name of the person, their title and contact information that verified the information as being mine. If you cant provide this within 15 days the accounts are to be removed immediately. If this continues i will be forced to take legal action.
Consumer complaint received 2020-01-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A. (MI)

Citibank lied to me about the reason for contacting me. They told me that they were not attempting to collect a debt and then tried to get personal information from me. Afterwards they told me they were in fact attempting to collect a past due amount on my credit card. After being transfered to an escalation department they informed me that this was common practice in attempting to collect debts and that lying about who they are to customers is their job so that they can be effective in collecting past due accounts.
Consumer complaint received 2022-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (IN)

XXXX & XXXX purchased a debt from Synchrony Bank in XXXX. The alleged debt was opened in XXXX and the last payment was made in XXXX. The debt was charged off by the company. I had no knowledge of alleged debt at the time and did not pay attention to credit reporting, if it was there. I went to court and advised plaintiff that the debt was not mine. Judge ordered fraud packet, which I completed, however they are claiming the debt to be mine and they are pursuing further actions. This is not my debt, and I would have never charged this amount at this specific store, and I still have an account with the store. They are not producing any proof, other than a statement with a different address than mine.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-03
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: ERC (UT)

XXXX is reporting several accounts that are not mine. They are the only ones reporting them and they keep claiming they are valid when I dispute them. Yet they absolutely ARE NOT MINE. So I demand to know how they are verifying it because this is Fraud or a mixed file due to my name because this happens often. I am tired of them claiming its valid when they are not even truly investigating it. 

XXXX XXXX XXXX XXXX XXXX - I do not owe child support! I have my kids and have always had them. I am a single mom. I do not owe this and its not mine! 

ERC - XXXX - I CURRENTLY HAVE XXXX FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! THis just got placed on my credit recently and I never received notices or anything because it is not mine! 

XXXX XXXX - XXXX - I CURRENTLY HAVE XXXX FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! THis was also just placed on my credit by this company! How can I have all these XXXX collections???? OMG!!!! it is not mine! 

XXXX - I CURRENTLY HAVE XXXX FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! I haven't had XXXX
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (NY)

In XXXXXXXX XXXX XXXXXXXX, I opened a secured Visa credit card with TD Bank by depositing {$5000.00} into a TD Bank Savings account. I have never paid late, nor have I ever had a returned payment. I spent just over $ XXXX on the card, used it responsibly and have had a XXXX balance for the last several months. In XXXXXXXX XXXX  XXXX, my credit score shot up XXXX points to XXXX and has remained at this level for the past 5 months, however the card is still " secured '' and my deposit is still frozen. I called TD customer service in approximately XX/XX/XXXX to inquire why my account is still secured and was advised its reviewed monthly by their computers, but the Rep. indicated she would " email upper management to manually review my account ''. After waiting a month with no response, I called in and spoke to another TD customer service rep. who advised he saw the notes in the account about emailing management, but was unsure who or what department the message was sent. This rep. also advised that many customers " get tired of waiting and just apply for a new unsecured card and get approved, then close their secured card and have the deposit returned ''. In the past 5 months, I have been approved by other banks including XXXX and XXXX XXXX for their luxury cards with high limits all with no issues due to my now high credit score. I called into TD again today ( XX/XX/XXXX ) and spoke to a rep. in the credit card department and was told there is nothing I can do other than wait. I feel as though TD Bank holds onto customers deposits as hostage for much longer than necessary. In the last 2 years I've twice had to pay their annual fee, and have paid them interest .... but TD Bank has paid me {$1.00} in interest for my $ XXXX deposit. I believe TD is engaging in the unfair practice of holding onto the deposits from secured accounts even after such accounts should no longer require secured status. This is an unfair business practice in which TD holds onto these deposits so they can profit at the expense of its customers.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My identity was stolen and there were three credit cards on my credit report. Experian removed 2 of them but the XXXX XXXXXXXX account XXXX XXXX {$3500.00} XXXX... was not removed. This account was opened when I was only XXXX XXXX XXXX, and I just turned XXXX and this account has been opened ( but it is now closed but still showing as late on my credit ) I have disputed this and they removed all accounts but this one saying XXXX XXXXXXXX provided info showing the account was mine, but it is not because it was opened when I was a XXXX I want this account removed and I have provided them all my identity showing I am a XXXX  and even my identity theft report.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma (FL)

I did my taxes on XXXX XXXX as I have for the past five years. I received approval for my refund anticipation loan. Of course like every year its put on my credit karma card as that is the only way to get the loan. Nearly a week later after receiving the funds for my loan credit Karma closed my account. I called the service line and the customer service told me they can close my account for any reason. But I would receive a check for the remaining balance in my account from my loan. Well I was in shock because where is the remaining balance of my taxes going to go? My return did clear XXXX and the XXXX was paid but no one can tell me where and how I am going to receive my remaining balance. I am outraged and disappointed that there is no answers given and my money is just lingering in cyber space.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (GA)

Hello, I was affected by XXXX last year, like many others. During my hardship I was unable to make monthly payments for my account with Affirm. I filled out their hardship application and never received a response via email, as the application suggested I would. I followed up with the company via phone and was advised that the application had been approved. Based on that information I was under the impression that missing my monthly payment of {$170.00} for two months would not be counted against me. Once I was in a better financial position I paid my account total of {$2000.00}. 

I later discovered that Affirm had reported the late payments to the credit bureau XXXX. Although, I was told that it wouldnt be due to financial difficulties due to XXXX. I have reached out to Affirm 4 times and submitted disputes to rectify this situation. 

Any assistance would be appreciated. 

Thank you
Consumer complaint received 2020-01-10
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: Experian Information Solutions Inc. (TX)

I am an identity theft victim. Beginning in XXXX I have had XXXX fraudulent accounts ( XXXX, XXXX XXXX XXXX XXXX ) successfully deleted from my Experian credit report due to fraud, however the accounts have been deleted and reinserted numerous time. XXXX was last deleted from my report in XX/XX/XXXX and after checking my report again I have noticed it along with XXXX XXXX have been reinserted without my knowledge. I demand these XXXX accounts be permanently deleted from my credit report as this is causing damage to my credit profile.
Consumer complaint received 2020-01-10
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. (FL)

STATUS REPORTING DELIQ 120 DAYS AND OPEN INSTALLMENT SHOULD REFLECT REPOSSESSION EFFECTIVE DATE XXXX. 
XXXX I purchased a vehicle from XXXX XXXX XXXX. XXXX XXXX XXXX confirmed verbally XX/XX/2020 the Repossession XXXX XXXX. I never received the Repossession documents they stated were mailed out XXXX. XX/XX/2020 I requested a copy from XXXX the XXXX XXXX, he stated the company would not provided copies to me. I asked XXXX if there was a 3rd party I needed to retain to request a copy of the documents and he stated no the company would not document the repossession date. I asked why they would improperly report the repossessed account as an open installment account since XXXX and not update to document the breach of the loan and the repossession completion back in XXXX and he stated they can report recent late payments and report the account as an open installment that they are not required to report the repossession occurrence in XXXX. After filing multiple disputes with Equifax the reporting credit agency I finally spoke w a Manager MsXXXX XXXX Employer ID # XXXX who stated to me on a recorded line Greater Financial Resources is being disputed for inaccurate reporting and remove the 120 and 180 day recent late payments between XXXX and XXXX and update the status to reflect the repossession date of XXXX. Ms. XXXX stated XXXX XXXX XXXX response to their dispute on my behalf should reflect accurately once the company complies but however based on the companies multiple disputes received that they have yet to comply with I should report them to CFPB and file a formal complaint about this companies reporting practices. I have filed many CFPB complaints against the company since the start of the new year out of my pure exhaustion of receiving no help with this companies inaccurate reporting for 3 years and 11 months next month will make 4 years. Equifax recommended I file this complaint against the XXXX XXXX XXXX  for assistance in having this companies credit reporting practices investigated. Thank you in advance.
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MS)

I received a letter from Discover Card stating, ( see below ). I have never corresponded with Discover Card about a card ending in XXXX. I tried to call and speak with a representative but was unable to because of bad communication with the rep. My current Discover card account is current as of todays date and I have never had an account that ends in XXXX that I can recall. MY current account # ends in XXXX. I am a victim of fraud and identity theft. 

Discover @ Card account ending in : XXXX Dear XXXX XXXX : Thank you for your recent correspondence. We have reviewed our account records and determined that we are no longer collecting on this account. The account is closed and charged off. Due to the age of the account, it is has been removed from your credit file. 
If you have any questions, please call XXXX-DISCOVER ( XXXX ). Knowledgeable Account Managers are available to assist you 24 hours a day,7 days a week. 
Sincerely, XXXX XXXX  XXXX Per state law your debt has been extinguished and we may no longer accept payments. In addition, the trade line has been deleted from your credit bureau.
Consumer complaint received 2023-06-27
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 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 2020-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TX)

Switched companies and the new company XXXX had a buyout program. All forms was submitted and received to ( Diversified Consultant ) XXXX that is claiming i owe a debt. It is not my debt. I dont owe any money to this company. I have disputed this numerous times and it keeps coming back up. I still have documents pertaining to the buyout in which i believe was year 2017.
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2018 We placed a freeze on our XXXX and XXXX account. On that same day we sent a certified letter to all three Credit Bureaus, asking that they delete the incorrect Bankruptcy information. We received dispute outcomes from all three Bureaus stating that they confirmed the information that they are reporting ( see PDF ). The Bankruptcy Court does not directly report to Credit Bureaus, and both XXXX and XXXX are not allowed to confirm any information when they are placed under a freeze. Therefore we request that the incorrect Bankruptcy be deleted from my Credit Report, as we previously asked all three Credit Bureaus to do via certified mail. Thank you in advance for your assistance regarding this matter.
Consumer complaint received 2022-07-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (PA)

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Title 13 states that the person collecting the debt must notify the person and give any such steps in order to resolve the debt The FDCPA requires a debt collector to send written notice within five days of initial communication. 
Delete this account immediately, unless you want to be held {$1000.00} per violation
Consumer complaint received 2020-01-03
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: Experian Information Solutions Inc. (TX)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (CA)

I submitted a fax requesting a freeze be put on my consume file with SageStream , LLC on XXXX at XXXX PST along with all supporting documents to allow this to happen. I followed up on XXXX, XXXX, XXXX, XXXX, XXXX with phone calls. Each time I got their answering machine and was told my call would be returned within 1 business day. I have yet to receive a call back from them. I am just trying to confirm a FREEZE was placed on my file and when I could expect to receive my security PIN #. I just called again and the message machine said " I reached them outside of their business hours of XXXX, Mon thru Fri PST. It was XXXX PST when I called.
Consumer complaint received 2020-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BB&T CORPORATION (GA)

I bank with BB & T and there were three unauthorized charges on my account that were clearly not me. Along with that came over XXXX dollars in obnoxious fees. Now I wasnt able to pay my power bill which is horrible because I have XXXX kids living with me. To my surprise they denied the claim, because I'm just a number and they clearly dont care about their clients.
Consumer complaint received 2020-01-10
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. (IL)

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  XXXX not mine XXXX  XXXX not mine XXXX  XXXX not mine XXXX  XXXX not mine
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (SC)

I was sent a bill from Discover Bank to pay. I sent them an AFFIDAVIT OF LEGAL NOTICE AND DEMAND TO VALIDATE DEBT CLAIM letter. 
Discover has NOT responded and Discover is well-aware that silence is acquiescence.

Discover does NOT have a contract with me.

Discover did NOT provide the ORIGINAL SIGNED, WET INK INSTRUMENT OF INDEBTEDNESS IN ITS ORIGINAL FORM.

Discover is reporting their fraudulent/unverified account to my credit files.
Consumer complaint received 2020-01-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

On XX/XX/2020 I saw that my account was overdrawn. I deposited {$100.00} the same day at XXXX. 
Today is XX/XX/2020. I woke up today to see an overdraft for the amount of {$52.00}. This includes an overdraft paid fee of {$36.00}. 
There should not be an overdraft fee. I covered the amount yesterday. Besides, the fee is added because a {$20.00} charge came out last night. I am intending on covering that amount today {$20.00}. There should not be an overdraft fee if I am able to correct it today. I have my receipt. The bank is not being cooperative. I also suspect this has happened multiple times before but I was unable to prove it. The numbers change overnight frequently on the app ( by numbers I mean dates and times of deposits, withdrawals, and overdrafts ). I have requested an audit of my account, but have been refused. I aslo receive my paycheck through direct deposit. They hold my check for 3 days before making the funds available, incurring overdrafts. They will not give me a clear explanation of this process.