davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-01
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. (IL)

XXXX XXXX XXXX reported a account that does not belong to me on my credit report. I have never had any utilities in my name. This is a collection agency for XXXX XXXX  XXXX. This is a fraudulent account and needs to be removed and deleted ASAP. This incorrect reporting has decreased my scores drastically. This fraud account needs to be REMOVED DELETED, AND BLOCKED IMMEDIATELY.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Consistently, I've made sure payments on this account are prompt, never allowing them to be overdue. I'm uncertain about the rationale behind the late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2021-07-01
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. (AZ)

I have 2 accounts that are reporting on 3 of my credit report ( program support center {$24000.00} and another for {$24000.00} ) The name was changed to program support center in 2019 which the name reporting on my credit prior to XXXX  was XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the exact same amount. I contacted the XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  and they sent me a letter stating that I do not owe any such amount that is reporting on my credit. They also sent it to the credit bureaus. Plus I have sent it to the credit bureaus with disputes but they removed only one, and still have one reporting as current now on my credit report. which I do not even make payments nor did I ever have any such loan. The Program support center {$24000.00} should not be on my credit because it is not mine. I believe it the credit bureaus that are not doing their job because I spoke with the actual creditor that reporting on my credit and they said it should be on my credit. This is really destroying my life and I need your help in this matter. 
I have sent a dispute letter to each credit bureau in which I will enclose one of them to show what I sent to each one
Consumer complaint received 2020-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

I had two accounts with Chase bank. Check close of the checking accounts without notice and took the {$900.00} that was in the account without consent. When I tried to call chase customer service without this matter all I get is the run around. With no answers about my money. Also Chase recently charged my account {$34.00} overdraft fee for every transactions that hit my account. Not only is Chase stealing from their customers this XXXX XXXX bank is abusing their customers. I plan to take legal action against this bank
Consumer complaint received 2021-03-15
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. (NJ)

This is in regard to collection listed XXXX XXXX XXXX for {$230.00} on XX/XX/XXXX XXXX. First time appearing on my credit report. 

XXXX XXXX membership and access to the fitness club were closed during Covid. I was paying mo! monthly membership but could not access the club. I contacted XXXX XXXX several times to cancel my membership and it was not processed. Gyms have been closed for about 9 months and now they are opened with one having to wear a mask during a workout. 

I called 2 times to this collection agency ( first on XX/XX/XXXX and then on XX/XX/XXXX ) to ask them to call me regarding that I cancel the membership and it was not processed. No one called me back. Called today and left a message. I also called XXXX XXXX today XX/XX/XXXX and they said they noted that my membership was not processed. The gym was closed and for a while, I was still paying for a service that I was not able to access. XXXX XXXX should reimburse me. I am requesting that this collection amount be taken off of my credit report.
Consumer complaint received 2021-07-01
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: EQUIFAX, INC. (MD)

Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.
Consumer complaint received 2021-07-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I recently received a payment book for a car loan debt taken out in 2018 that has never had one payment on the debt and apparently the vehicle was never registered. I have tried to communicate with them. I have made a report with identity theft .go vans the company has refused to remove the debt telling me with 7 days of disputing this deft that they did an investigation and it is a valid debt.
Consumer complaint received 2021-07-01
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. (TX)

XXXX, Equifax and XXXX, has not ceased in their action to report factual information on my credit report. 
XXXX Equifax and XXXX, said accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXXXXXX, were all accurate. A complaint was filed in XXXX XXXX for removal of late fees With XXXX Equifax and XXXX. These Agencies are not following FCRA Laws under Section USC15 1681A 2 ( e ) However, such information shall not include specific factual information on a consumers credit record 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 or from the consumer. 
XXXX Equifax and XXXX, has stated that according to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX The late fees on my Credit report is correct. According to FCRA Consumer reporting agencies should not report factual information. These must be removed immediately!
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2021-07-01
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAVALRY INVESTMENTS, LLC (IA)

Calvary SPV I, LLC has contacted my sister through email on numerous occasions. These emails are not case sensitive and give out my personal debt information. It states to disregard if they are not XXXX. However, it goes on to show my account number, and the amount they state I owe. I am currently paying off a different debt from the same company, which they have refused to merge the accounts together. Before I was able to make payments on that account, they had started to contact my grandmother asking for my information, telling her about my debt and even asking if she would make a payment on my behalf. Additionally, in 2015 this company has threatened to take legal action to garnish my wages. Ive been making payments on another account with the same company. I would like them to stop contacting my family regarding my personal information.
Consumer complaint received 2021-07-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TOYOTA MOTOR CREDIT CORPORATION (NC)

When my vehicle was repossessed I was not notified that I had a right to dispute. 

Since that time the debt has been sold to another collector, but Toyota Motor Credit is still reporting on my credit report and updating it. This is after calling and trying to get information, but what was told to call somewhere else because they are no longer servicing the account and that the debt has been sold. 

At one shortly after the repossession I called to set up payment arrangements. They would not accept my attempt to set up an arrangement at all. They kept telling that the account was in " limbo '' and would not allow a payment arrangement to be set up. As a result of this I lost a job opportunity because of this debt 's inaccurate reporting on my credit XX/XX/2019 ). 

I have also previously filled a XXXX  complaint ( # XXXX ) There is also inaccurate payment history reporting to both XXXX  and XXXX credit bureaus. The account still reports as if it is open, but is also listed as a charge off.
Consumer complaint received 2021-01-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUIDANCE RESIDENTIAL, LLC (VA)

I requested for a loan to buy a house and sign up financial applications at XXXX XXXX to finance a conventional loan with 20 % down-payment funds. I paid all necessary fees, provide all financial confidential documentation and submitted to the Guidance Residential LLC as my Mortgage Company. At XXXX XXXX I received Uniform Residential Financing Application ( Form XXXX ) from Guidance Residential, filled it out, signed and sent it back. All XX/XX/XXXX, XX/XX/XXXX and beginning of XX/XX/XXXX I am getting promises to sent me a commitment for close this real estate transaction.My mortgage broker is lying to me, my Real Estate agent and Law office who is representing me in this transaction every time when somebody calling him. He promised to speak with Vice President of the company, he got commitment already and just in few minutes sent it to us and etc.Now, I have to close this transaction with all cash, because time is the essence and buyers side wants to breach a contract.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (FL)

XXXX  Bread Cashback Credit Card has NO, as in 0 employees available, online or employed in Customer Service. The website on login : This site cant be reachedThe webpage at https : XXXX? 

I'm afraid of having my records or interests under their care. 

I believe I've Activated this card, but can not verify even this.
Consumer complaint received 2021-07-01
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. (MO)

I've notified this company, Transunion Consumer Solution, about the incorrect and inaccurate information reporting on my credit report, I've asked for an investigation, verification, and validation of this alleged debt. My request has been ignored several times and no investigation has been done to ensure reporting at 100 % maximum accuracy. This company has violated several of my consumer protection laws. Saying the debt is valid but not providing any proof that the unknown accounts are verified. In addition, I've requested the method used to supposedly verify theses accounts and have not been provided with any information. My request continue to be ignored. This has cause a tremendous strain on my credit health, causing me to continue being denied credit for false reporting reasons. Please help me resolve this matter immediately as I have tried several times to handle this matter. 
Dates : XXXX accounts updates, so they were reporting incorrect to begin with XXXX alleged verifiecation XXXX reporting incorrect XXXX no response to dispute XXXX no response or action taken XXXX still reporting unknown accounts
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (GA)

Re : CFPB Nos. XXXX and XXXX Ally Auto Account Nos. ending -XXXX  and -XXXX  Reference account number ending XXXX  in the company 's own words " Vehicle-1 was deemed a total loss on XX/XX/XXXX. Your last payment prior to the total loss of {$600.00} was received by Ally on XX/XX/XXXX. '' The statute of limitation on debt is seven years. I reside in the state of GA. The state of GA statute of limitation is four years ( OCGA 9-3-24 ). ALLY 's response shows the last payment made on XX/XX/XXXX. Today is XX/XX/XXXX which is beyond the seven-year as well as GA Law statute.
Consumer complaint received 2021-07-01
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: Bread Financial Holdings, Inc. (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX/KAY Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX This is not mine.
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NY)

recently I got notice that my home depot credit card missed it due date for payment. I was like how am I late I am on auto pay. I set up several times for auto pay and for some reason this accounts auto pay was removed ever time I set it up on line. I even spoke to reps in the past to put the account on auto pay. So to take care of the payment I promptly made the payment over the phne with the rep. I was confused when I asked was it for my XXXX limit or the {$5000.00} limit. The rep says it is for the {$500.00} limit. I WAS SHOCKED! I insisted this was incorrect only to be told they lowered my limit due to their systems mistake. They can review the call made again in XXXX to put m on auto pay. I want my {$5000.00} limit placed back on my card asap. This is not fair I am a consumer who prides herself in keeping my payments on time.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Re : CFPB Nos. XXXX and XXXX  XXXX XXXX Account Nos. ending -XXXX  and -XXXX  Reference account number ending XXXX  in the company 's own words " Vehicle-1 was deemed a total loss on XX/XX/XXXX. Your last payment prior to the total loss of {$600.00} was received by XXXX  on XX/XX/XXXX. '' The statute of limitation on debt is seven years. I reside in the state of GA. The state of GA statute of limitation is four years ( OCGA 9-3-24 ). XXXX XXXX  response shows the last payment made on XX/XX/XXXX. Today is XX/XX/XXXX which is beyond the seven-year as well as GA Law statute.
Consumer complaint received 2020-12-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Aargon Agency, Inc. (TN)

I received a call from an agent from Arrgon Collection Agency ( Name may be misspelled ). The caller did not identify himself but instead provided a disclaimer about recording and then details about the debt owed. I explained the context of the debtXX/XX/XXXX and requested a copy of the remaining balance from the agency. The agent started to argue and state that the hospital sent letters to the address, and I stated I did not receive them. I requested a copy from the agency. The agent proceeded to tell me about the original balance and about my insurance and how I should be able to pay it because it was already reduced. This was my first interaction with this agency and I repeated please send me a copy to my address. I confirmed my address and the call was quiet. The agent then proceeded to tell me that I should have paid my XXXX bill in an abusive manner. Due to the increasing scam calls across the U.S., it is not unfair or uncommon to request a valid bill before rushing to pay someone via the phone providing information about the debt. I've called and spoken to a supervisor XXXX and she stated she needed to listen to the call then decide the action. However, even she started to want to review how much was cut down from the initial bill. I mentioned that I needed a copy for validity and to reduce scams. I also stated that the date in question and subject is sensitive because it involves the stillbirth of my firstborn and the traumatic experience I had at the facility with no support legally or from the hospital for the behaviors of its staff. I mean who leaves a dead baby in a box overnight in the room with its mother and can't locate the body while rushing the mother to leave the hospital? The deterioration removed the possibility of me even obtaining an autopsy for my son. Either way, I have informed this agency that recently obtained this account it was a first attempt to reach out. It was unprofessional and obscene. I asked for a mailed bill for proof to protect myself as my information has been leaked over the years several times.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-03-22
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXXXXXX XXXX XXXXXXXX Balance : {$280000.00}
Consumer complaint received 2020-12-29
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: Experian Information Solutions Inc. (TN)

I previously contacted Experian regarding this issue in Complaint XXXX. I am filing this complaint because third party companies accessed my Experian credit report without my knowledge, authorization or approval. I contacted the companies that posted inquiries on my credit report and was told to contact Experian. Experian has so far refused to open a dispute regarding these inquiries. These inquiries have an adverse effect on my credit report and are disputable under the FCRA. Since I did not authorize these inquiries I am requesting an investigation into them. The inquiries found on my credit report that I did not authorize are : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. Experian should be bound by law to investigate my dispute. These disputes are a result of fraud.
Consumer complaint received 2020-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2020 I placed an order for jewelry from XXXX XXXX the group owner of XX/XX/XXXX on XXXX. It is now the end of XXXX and I have yet to receive my order. I tried numerous times to call her and she ignores me. I then placed a claim with my bank Wells Fargo but they sent me a letter stating I can only dispute the charges 60days after and they would not help at all. They closed my claim. I just want My money back as XXXX XXXX and XX/XX/XXXX ( XXXX XXXX XXXX is a total Fraud.
Consumer complaint received 2021-07-01
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: Bread Financial Holdings, Inc. (NY)

the following accounts appearing on my credit report do not belong to me Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft CCB/FOREVR21  Account Number : XXXX This is not mine. 

6. Identity Theft CB/VICSCRT  Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 
Identity Theft CCB/FOREVR21 Account Number : XXXX This is not mine. 

8. Identity Theft COMENITYBANK/VICTORIA Account Number : XXXX This is not mine.