davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-20
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-02-20
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: AmeriCollect (FL)

I did a dispute to have the Ameircollect debt in the amount of XXXX removed from my credit report in XXXX of XXXX. It was removed from one credit bureau but not the other two. I disputed this again in XXXX of XXXX, but they have failed to remove it. This reporting is a violation of my privacy and violates HIPAA law.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. two fraudulent accounts unauthorized identity theft : fXXXX 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 2022-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Wyoming Credit Association (UT)

Over the past couple months, this company was directly contacted and suggested I file a dispute on the error made on their behalf. They continued to try to collect payment knowing this was fraud and an error on their behalf. Refused to report false/inaccurate information to remove the error ( current balance falsely reported by them in the excess of {$750.00} ) from my credit report upon receiving notification even after a fraud alert notification was placed on my credit reports. I am a victim of fraud and data breech and they were supposed to remove this error and continue to refuse now which is fraud and illegal.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

This issue has become a life changing unfortunate event in our lives and we humbly request that this wrong be alleviated by reporting honest and truthful information on my credit file. Moved from Utah to Illinois at the time, and was coerced into applying for a Kohls card account to save on my purchase, against my better judgement went ahead and submitted the request and found out that the Kohls system could not process this request. 
Paid for my purchases with my personal credit card. Never received a bill from Kohls and did not expect one as I have never made a purchase using my Kohls account or Kohls card as I did not receive one. Ran my credit report and found {$1.00} in collections, which dropped my credit score significantly. Paid the {$1.00} immediately, dealing with Kohls has dropped my credit score on three different occasions for the {$1.00}. I am demanding that the amount of {$1.00} that was charged on a card be removed for late payment as I did not know that the {$1.00} was charged on my account. Spoke to customer service on several occasions and this issue is still not resolved. Please help us, as I served this county in the United States XXXX XXXX for 20 years, and the biggest set back is this false credit reporting made for {$1.00}. My wife enjoys shopping at Kohls and we do not want to put the Kohls company on our do not use list, or warn our fellow veterans to avoid Kohls as it could potentially destroy their credit report. Please help us correct this incompetent and unfair credit reporting practice.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-02-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

I was approved for HAF through state of Florida. Caliber had received past due amount from XXXX. They posted this on XX/XX/XXXX. They also received XX/XX/XXXX 's payment in early XXXX and posted the mortgage to my account on XX/XX/XXXX. XXXX 's payment ( send on XX/XX/XXXX ) was not posted until I made a CFPB complaint - then it posted on XX/XX/XXXX. I have tried to contact them via email and via telephone to inquire about XX/XX/XXXX mortgage ( {$1300.00} ) that was sent to them on XX/XX/XXXX. I have now been assessed a late fee, although HAF has indicated the payment has been received and posted by Caliber.
Consumer complaint received 2023-02-28
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. (PA)

I sent a dispute registered mail with return receipt to all three credit reporting agencies on XX/XX/2023. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/2023, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows 35 different reasons why these accounts shouldve already been deleted. The account not being deleted, proves I am owed monetary compensation for the violations of the fair credit reporting act
Consumer complaint received 2019-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

This account is being reported inaccurately on my credit report. I see repetitive late marks and invalid date of last activity which is a violation. 

This is being reported with repetitive CO marks and the date of last activity in invalid, XXXX  shows XX/XX/2018, XXXX  shows XX/XX/2018 and XXXX  shows XX/XX/2018. All 3 dates should be the same!
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

company reports that I was late on my auto loan payment 16 months in a row. The information they reported is inaccurate and false. I tried disputing with the directly and the credit bureaus such as XXXX XXXX  and Transunion and they have failed to verified such allegations. no one is willing to help me or show proof that I was in fact late. each bureau has different count of days late the same month and year.

XXXX XXXX XXXX XXXX XXXX                Transunion 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
as you can see nothing matches and the reporting on them are different on all 3 bureaus some are stating 30 days late but on another the same month and year says 90 days its absurd and need to changed to pay as agreed on all 16 months
Consumer complaint received 2019-08-08
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. (OH)

I bought a truck XX/XX/18 last fall. The auto company applied at several ( too many in my opinion ) banks etc at the same time between XX/XX/18 to XX/XX/18. Credit reporting company web sites states ... ... ALL AUTO LOAN ENQUIRES IN A 14 DAY PERIOD WILL M COUNT AS 1 HARD ENQUIRE, transunion reported them as 6 NOT ONE ENQUIRES which caused my score to drop very much. they said they corrected the error BUT they did NOT. The following is what my dispute to them stated YOUR SITE STATES ALL AUTO LOAN ENQUIRES IN A 14 DAY PERIOD WILL M COUNT AS 1 HARD ENQUIRE. THE ENQUIRES FROM XX/XX/18 TO XX/XX/18 WAS FOR 1 AUTO LOAN. YOU HAVE THEM LISTED AS 6 ENQUIRES NOT JUST ONE!!! WHICH CAUSED MY SCORE TO DROP 20 SUM POINTS. I TOTALLY DISPUTE THAT. I WORK VERY TO KEEP A HIGH SCORE  AND ATTAIN OVER 800 SCORE. PLEASE CORRECT THIS MESS SO I CAN CONTINUE MY CLIMB TO XXXX. YOU ARE THE ONLY COMPAMY THAT LISTED THEM INDIVIDUALLY.
Consumer complaint received 2022-10-08
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. (CA)

On XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received a response from TransUnion stating that they have completed the investigation and verified everything as accurate. This is false because there are a number of inaccuracies on my consumer report that still remain. 

1. This charge-off is past the statute of limitations in my state of California for them to legally collect from me. Since they can not legally collect from me, having a past-due balance is inaccurate and illegally reporting since charge-offs can not have a past-due balance XXXX Account Number : XXXX Remove this inaccurate charge-off. I am pursuing litigation against them as they are reporting inaccurate information. 
TransUnion has failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ). I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). TransUnion has 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (KS)

Between XX/XX/XXXX and XX/XX/XXXX there have been numerous inquiries on my various credit reporting agency. 

I have reported the fraud to all reporting agencies ( XXXX, XXXX and XXXX ) as well as called each creditor reporting inquiries on my reports with these agencies. 

XXXX has been unhelpful removing the inquiries. 

XXXX XXXX has REFUSED to remove the fraud inquiries but has marked them as such internally - the inquiries are still on my report and have affected my ability to obtain new credit and have damaged my scores which is costing me a lot of money in higher interest rate loans now. XXXX accepted my report - but have not provided any deletion letters to me or to the Credit Reporting Agencies. 

XXXX XXXX and XXXX have also accepted my report - but have not provided any deletion letters to me or to the Credit Reporting Agencies. 

Amazon, Walmart and XXXX all still show inquiries on or about on XX/XX/XXXX thru XX/XX/XXXX which were all fraudulent attempts at obtaining credit in my name and social but at wrong addresses and unknown phone numbers. I have called each of these creditors and advised them of the fraud but they are not removing the inquiry reports to the CRA 's.
Consumer complaint received 2023-03-09
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. (KY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XX/XX/XXXX we found out on our bank/checking acct got fraudulent ACH transferred of XXXX. Right afterward, we noticed it is fraudulent, we call the bank to freeze the account, and submit a claim. There were two others fraudulent attempts later on but thankfully the account is frozen. The next date XX/XX/XXXX the acct got charged XXXX dollars and XX/XX/XXXX it was attempting to charge XXXX. We got all the funds back from XXXX and XX/XX/XXXX. However the first fraudulent Ach of XXXX was still under investigation according to bank. I submitted everything they needed and police report. I am having no luck on bank of America replying back to me. XXXX is not a small amount of money and I need the fund for my business to operate. Please help thanks. I have been calling the Bank of America every two days, only thing they reply back are " working on it '', I felt like this is inadequate for a big corporation especially a bank we all trusted.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I reported fraud on my checking account to Bank of America via telephone. 3 checks had been fraudulently presented to Bank of America and had been cashed. The bank called me on XX/XX/XXXX while I was on vacation in another state and asked me to verify one check in the amount of {$2200.00}. I was unsure about the transaction and asked to speak to the check presenter and the teller declined to let me. I ultimately approved the transaction. Upon reflection I called the bank back about the check and discovered two other checks had been presented and cashed. The bank never contacted me to verify two other checks for {$2200.00} and {$2200.00} ; they cashed them. I can not get any information from B/A other than an investigation is " in progress ''. They will not advise me of my rights, or when they are required to complete their investigation. I called on XX/XX/XXXX and on XX/XX/XXXX. They initially sent me a notice that thy had not paid the check for {$2200.00}, but a review of my account shows otherwise.
Consumer complaint received 2023-01-13
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. (MD)

This is my XXXX 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 Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2014 Reference # : XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/2014 Reference # : XXXX
Consumer complaint received 2023-01-19
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: Bread Financial Holdings, Inc. (CA)

I noticed a hard inquiry on my XXXX Credit Report from XXXX XXXX on XX/XX/2023 XXXX This prompted me to file a dispute to have the inquiry removed. Upon further review of the dispute, I noticed that a Credit Card was issued with a credit limit of {$3400.00} using my personal information on XX/XX/2023. This is identity theft and I am not responsible for this account.
Consumer complaint received 2023-03-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (WA)

I can only give an estimate of the year I bought a lemon and accepted a loan from fraudulent Westlake Financial in California! It was opened around XXXX of XXXX and I was unable to pay the loan back because of having to put my money to fix the lemon that was sold by a used car lot in XXXX, WA. The loan was later written off and canceled by the triple credit reporting agencies 7yrs after XX/XX/2012 and XXXX XXXX this day keeps re-opening the loan as if they had permission to and keeps reporting it as delinquent! Something needs to be done with this company!
Consumer complaint received 2023-03-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (NC)

i recently saw my credit report was showing collections owed to XXXX XXXX XXXX and Medical data systems inc. i called them and asked them to remove the collections because of the ammount of XXXX should be removed from my report. i also filed a dispute in which it came back verified from XXXX. the name they are using to verify is inaccurate and needs to be be updated in XXXX XXXX  and XXXX.
Consumer complaint received 2024-05-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Georgia Student Finance Authority (GA)

in XXXX I started collage at XXXX XXXX  in the XXXX XXXX. 
I agreed to a grant from the Georgia Student Finance Authority of XXXX XXXX dollars for that program that would need to be repaid if i did not enter the engineering field in GA for at least 2 years after graduation. 
In XXXX XXXX i swapped over to the XXXX XXXX due to some politics, and personal dynamics that were not conducive to my success in the XXXX XXXX. 
in XXXX  XXXX I stopped going to the school in search of a position in XXXX XXXX within the state of Georgia such that I can finance the XXXX classes I had left. 
in XXXX i got a position with XXXX XXXX XXXX XXXX XXXX  for XXXX XXXX  remotely. 
In XXXX or there about i noticed that XXXX was reporting that an account of mine was " delinquent '' early XXXX i looked into getting access to their site to figure out what information i could gather and could not get any information from the site due to the site refusing to accept a legitimate Zip code. 
in XXXX I received a letter from the Georgia Department of Revenue about them seizing my tax return about this grant in an amount greater then the grant amount.

during this time I had received NO notice of anything regarding this grant since the date I started collage at XXXX. i had receive no bill, no calls or other contact regarding this alleged debt. no notice that the grant needed to be repaid, nothing.

I filed an letter with the department of revenue and the Georgia student finance authority requesting an appeal detailing these issues, and they immediately refunded the money. 
On the week of XXXX XXXX XXXX XXXX i received another notice of such a seizure and proceeded to get more information.

They refused to provide any information about the grant and refused to do anything about it.