davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-05-18
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. (FL)

I, XXXX XXXX, Consumer, dated on XX/XX/2022 demand XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX ) to Cease and Desist communication with my consumer credit reports p

ursuant to 15 U.S. Code 1692c ( c ). Failure to comply will result in fines. Best regards.
Consumer complaint received 2021-11-15
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: EQUIFAX, INC. (FL)

XXXX, 2021 On two occasions I have cancelled a credit card because I haven't used it for a long time, many years, and don't need it. In both instances, I received an email a couple days later telling me my credit score had dropped. I am in my XXXX 's and do not need all these cards. 

In both cases, I had never missed a payment, had not used the cards in years and the cancellation was at my request. Why should that impact my credit score? 

The most recent cancellation was with XXXX XXXX XXXX. 

Last year, I cancelled XXXX XXXX which had a high credit limit on it and I had had the card for decades and that was a big hit to my credit score. Again, no late payments, no recent usage and cancelled at my request.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

There appear to have been an improper use of my credit report which shows some addresses, employers and names that I am not associated with. I do not have anything to do with the following addresses : XXXX UNKNOWN, XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX is any of the following my name : XXXX XXXX XXXX XXXX XXXX XXXX 

I am also not associated with these employers : XXXX XXXX. 
XXXX XXXX XXXX  Irregular report of my personal information violates my consumer rights as none of the information listed above are associated with me.
Consumer complaint received 2017-05-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i have  XXXX  loans on my home with bank of america. i have had a temporary modification which ended a year ago, my payment increased so i applied several more times. the last time i applied i was approved for a modification which increased my payment ove r 1000 dollar s, i spoke to the bank and asked why thy said i made  XXXX   XXXX  a month. this is so wrong i ask the Representative from Bank of America how did they get this? no one at Bank of America can answer me why. i filed an appeal because the information on the disesion is not correct. i get notic es 2-3 times  a week saying they are working on the appeal, yet 2 months ago i got a letter saying it was declined due to this inflated income they hav e, one  Representative told me they increase th income to make me qualify for the new 15 year loan. they told me it would start  XXXX   XXXX     2017  yet we got a  XXXX  dollar check from   XXXX   XXXX    i n  XX/XX/XXXX , which was a refund on our home owners insurance. i cant afford a 15 year loan modification. i would like a longer loan modification or a principle reduction as this house is  XXXX   XXXX  upside down, if they are here to help please let them. The file i have is hundreds of pages as this is way to intense to describe completely  XXXX   XXXX
Consumer complaint received 2021-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I have had my debit card compromised several times this year, I have recently filed two disputes and had my card closed due to two transactions from XXXX. 

The first one for XXXX was taken care of by Huntington they provided provisional credit and sent me paper work to fill out. 

The second transaction is for XXXX on XXXX. I have not received any information from Huntington regarding this dispute or any provisional credit. 
I have called twice today both times I was transferred and put on hold, both times the calls are dropped and disconnected, in the middle of the conversation with the disputes representative. 

I need provisional credit for this XXXX I work two jobs and live check to check I did not do this transaction When I finally got someone on the phone they said it was pending investigation because the transaction had not posted, Which is untrue and a lie.. when I called to dispute the transaction it was already posted to my account in the history. So why is the dispute department sitting on this? I want this credit perm placed back into my account. I did not authorize this transaction
Consumer complaint received 2021-11-15
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: SYNCHRONY FINANCIAL (NJ)

XX/XX/2021 amount of {$890.00} in flight flees that I didnt authorize. The airline said they would reimburse me but PayPal is still trying to get me to pay the balance of something I didnt use. Ive been in an open dispute with PayPal and Im afraid that if this dispute isnt handled then it will affect my credit score
Consumer complaint received 2019-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

AFTER BEING A GOOD MEMBER IN STANDING AS CARD HOLDER FOR OVER 2YRS. I RECEIVED A LETTER FROM DISCOVER CARD STATING THAT MY LIMIT WOULD BE REDUCED FROM {$3700.00} TO {$500.00}. I HAVE NEVER MISSED A PAYMENT AND CURRENTLY HAVE HAD A XXXX BALANCE FOR AWHILE. THIS HAS ADVERSELY AFFECTED MY FICO SCORE .I HAVE ACTUALLY INCREASED MY SCORE AND HAVE ADDED ACCOUNTS WITH NO LATES WITH VARIOUS LIMITS. AND MY SCORES ARE DECENT,XXXX.NEVR MISSED A PAYMENT AT ANY TIME ON ANY CARD, OR PERSONAL LOANS MR XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The following hard inquiries are on my credit reports from the credit bureaus without my knowledge or request from creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion is reporting three fraudulent accounts to my credit report. I have included the police report and ftc report. 

The three XXXX accounts and all the inquiries need to be removed due to fraud.
Consumer complaint received 2021-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

THE COMPANY, XXXX XXXX, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002- I AM THE NATURAL PERSON WHICH MEANS THE NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. The term Bureau means the Bureau of Consumer Financial Protection pursuant to 15 USC 1692a ( 1 ). XXXX, XXXX, XXXX and XXXX have assumed the role to be bureaus ; however, Consumer Financial Protection Bureau is the only true bureau. This company does not have prior consent granted from the consumer to communicate with a consumer in connection with the collection of any debt as stated in 15 USC 1692c ( a ). XXXX XXXX has violated and threatened my rights to privacy by furnishing information through different mediums of communication. This company has failed to provide documentary evidence in request to investigative the consumer report in accordance with 15 USC 1681a ( e ). Such information on the consumer report shall not include specific factual information obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer. This company should be held liable for damage to my reputation and the account should be deleted from all consumer reporting agencies.
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Got an e-mail in XX/XX/2022 about an account being opened for me at Bank of America. I called that day to report and spoke with their fraud department. They said they would investigate and that it would be closed. I kept getting bank statements monthly. No transactions. I called again around XXXX and went through the same process. Claimed the same thing would happen. Now today I got yet another statement that the account is opened. I XXXX  to see if others have had this happen and saw someone referred to CFPB.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (GA)

Jefferson Capital System has placed a collection amount for {$730.00} on my credit. Ive disputed it but each time it shows up again. I dont have an account with XXXX XXXX Any phone that Ive has not been on a contract. Someone else may have used my name or identity.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There appear to have been an improper use of my credit report which shows some addresses, employers and names that I am not associated with. I do not have anything to do with the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX neither is any of the following my name : XXXX XXXX XXXX XXXX XXXX XXXX 

I am also not associated with these employers : XXXX XXXX. 
XXXX XXXX XXXX Irregular report of my personal information violates my consumer rights as none of the information listed above are associated with me.
Consumer complaint received 2022-10-13
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. (LA)

My name XXXX 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 2022-05-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc (NV)

After obtaining my consumer reports, I noticed on my XXXX report that there is an unpaid account from PlusFour Inc. I am not aware of who this company is and why they are trying to collect a " debt '' from me in the amount of {$250.00}. It states that the original creditor is XXXX XXXX XXXX, but there is not an outstanding debt, as my insurance has paid this. I have never received any written documentation from PlusFour, Inc., regarding the validation of this " debt '' or how to dispute ; it just appeared on my consumer report on XX/XX/2022. This " debt '' is considered invalid. I request that this account be deleted and completely removed from all consumer reports.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

This is my Second Complaint with Equifax first ID was XXXX since the first case was Closed by Equifax with the statement they were going to send me a Letter which they did telling me once again to Mail my Personal Info to their po box or FAX. I have been trying for nearly 2 yrs to get Equifax to allow me to access the Account I created with them in XXXX after trying to access the Account I created in XXXX that Equifax no longer recognizes or excepts the username/Pin/Password and they continue to refer me to their Customer Service number that when I can get thru to I'm told to send all my Identification including my SSN/Drivers license to a Fax or po box in XXXX GA which I did in XXXX and again a Month ago and still have never heard anything from them and still needing them to Unlock my online account and stop the Back and Forth between their Customer Service with the same Poor XXXX XXXX Representative asking Sensitive Questions that I can't even begin to understand and their Ridiculous Expectation to MAIL or FAX and as much as I'd like to Protect my Identity I really don't think Equifax should expect People to Trust them or anyone with all that Information on a FAX or po box somewhere in XXXX GA.
Consumer complaint received 2024-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Madison Management Services, LLC (OH)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2021-11-15
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)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below )
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I, XXXX XXXX am submitting this complaint and no third party is involved. 
I XXXX XXXX, have shown proof of identification along with other documents to Equifax. I've spoken to several representatives about updating my correct address and name. They have yet to put the correct information. There are other addresses on my credit report that should be deleted because it is the wrong information and I do not agree. There has been no update to my name neither my address. I have not given direct consent for Equifax to have the wrong address and name on my credit report. Delete the invalid demographic information.
Consumer complaint received 2015-04-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My credit union, XXXX, reported late for XX/XX/XXXX 2014. I contacted them and they said they 're not reporting late to the credit reporting agencies. I disputed it with the CRA 's and received a letter from XXXX stating I was not late. I sent in that letter to Transunion ( to be specific ). My credit report was updated to show no lates. A XXXX months later it showed up late again, I disputed it again- it was deleted. I checked my credit this month and it 's showing up late again. I called Transunion to get it straitened out and they are trying to get me to dispute it which will take me another XXXX days- I refused. I 'm filing a complaint because my credit should not be harmed for all these XXXX because they keep letter something pop up late on my report which was proven, at least XXXX it was never late.
Consumer complaint received 2022-12-17
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account has unverified information without providing any proof within the period allowed by law. The account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2022-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

In XXXX oXXXX XXXX, while navigating the CIti Bank app to make a payment I was offered a lower minimum payment ( {$99.00} ) promo to help me with the high minimum payments. The deal seemed great as I was vulnerable and going through financial difficulties. Keeping in mind I didn't initiate this myself or call for assistance, I wasn't aware that by accepting lower minimum payments Citibank would still be reporting underpayment to the credit bureau on the minimum payments. It therefore caused me irreparable damage to my score and all while unbeknownst to me I'm thinking I am meeting my monthly obligation. It makes no sense to me because I wouldn't need a " plan '' to underpay my minimum payments I could do that all on my own and still affect my score if that was my intention. I tried to reach citi bank and managed to speak to XXXX reps and both agreed with me that they felt sympathy for my scenario as they didn't agree with citi bank business practice. I believe and prepared to say that this a sly, conniving, deceitful way of offering relief of late fees while still reporting it to credit department as late payments. This has caused me and my family heartache and financial stress. Please help rectify this misrepresentation, and frankly terrible business practice.
Consumer complaint received 2021-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, sent Capital One in writing a DEBT VALIDATION letter in order to validate a debt shown on my consumer report, on all 3 major consumer reporting agencies. Pursuant to 15 USC 1692g the debt was to be validated and is being disputed by me, XXXX XXXX. I sent CAPITAL ONE the validation letter along with a CEASE AND DESIST letter on XX/XX/2021 certified mail and CAPITAL ONE received the letter on XX/XX/2021. I received a letter dated XX/XX/2021 from CAPITAL ONE asking me to send them additional information which I am not required to do so. Capital has refused to validate the debt and has also not ceased collection activities. CAPITAL ONE is still harassing me by sending me letters and still having false information reported to the consumer reporting agencies after the cease and desist letter was received.
Consumer complaint received 2021-11-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

I pulled my credit report and discovered these accounts as collections on my credit report. I sent a written dispute requesting validation of my debt to you and all three bureaus., not validation of my address. I did not receive a response to what I have requested and then you marked this account as closed. I have included a copy of what I have sent to you and the Credit Bereaus. If you can not provide all of the information below you are by law required to delete all entries off my credit reportsASAP.