davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I reached out to XXXX XXXX XXXXs on the web and they say it is not available due to the website being down. I think it is because they are still fighting issues from being " hacked '' When I call the Bank that is reporting my companies credit to XXXX all they say is to go on line and file a complaint. The Bank is  XXXX XXXX XXXX  out of XXXX XXXX, IN. I have asked them to clean up the fraudulent errors on my companies credit report and they refuse to help the situation. 

My Company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been arguing with them for over 1 year on the fraudulent reporting of payments made. My loan is current and I am paying a high interest rate.
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Attn : Consumer Relations To Whom It May Concern, I wrote to them requesting an investigation into items that I believe were inaccurate. I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not replied to my request. I regret that I am being forced to take action as such.
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Attn : Consumer Relations To Whom It May Concern, I wrote to them requesting an investigation into items that I believe were inaccurate. I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not replied to my request. I regret that I am being forced to take action as such.
Consumer complaint received 2024-04-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NY)

After receiving my credit report I notice this company on my credit, which I have never seen before. Debt collectors name is Jefferson Capital system, Account number XXXX Open dates XX/XX/2024, balance $ XXXXThis is an in accurate account on my report. I did not open this account. This is hurting my ability to obtain credit.
Consumer complaint received 2023-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (TX)

I am writing to request an increase on my Barclay 's Aviator credit card. My work requires that I travel more than ever before, and I am fond of the security a credit card offers when traveling. My traveling expenses have grown to the point where my {$9000.00} limit is just not enough. I love my relationship with both Barclay 's and XXXX XXXX. I fly XXXX for all my personal and business flights that is how I found out about the card 2 years ago. In the last 2 years since I've been with Barclay 's I unfortunately have not received a credit limit increase. My payment record with Barclays is perfect, and I do not anticipate any difficulties in dealing with an increase in my credit limit. I am asking for an increase from {$9000.00} to {$15000.00}. I submitted this via CFPB because I did not receive an email back, and I did not want to request an increase over the phone or online because I wanted to explain some things on my credit report and send in documentation. There is a late payment reporting for XXXX XXXX which is inaccurate, and I am in the process of filing a lawsuit against the credit bureaus for incorrect reporting and defamation of character due to many missed opportunities. I have also paid down balances on other cards that may not be reflected so I will attach my credit card statements. My 3-bureau credit report is attached so there is no need for a hard pull. I will also attach the cfpb report filed against the bureaus with the intent to sue. My credit profile is great, but the late payment is recent therefore it is hurting my score. I wanted to share so this would not prevent me from an increase. I am also attaching my last XXXX flights that I've taken in the past 2 years with XXXX  using my Barclays card along with my bank statement that will show that I am more than capable of making monthly payments. I am hoping to hear a favorable outcome from Barclay 's. Please contact me if you need any information to expedite this process. I am looking forward to your reply.
Consumer complaint received 2020-10-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

PORTFOLIO RECOVERY IS REPORTIMG INACCURATE, ERRONEOUS AND INJUROUS INFORMATION ON MY CREDIT REPORT ( S ) .WHEN I OBSERVED MY CREDIT FILES I SENT VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED ( 2 ) VALIDATION REQUESTS IN ACCORD WITH THE FDCPA SECTION 809 AND DISPUTES TO THE CREDIT BUREAUS REGARDING THIS ALLEDGED DEBT.. 
CERTIFIED MAIL ARTICLE NUMBERS APPEAR BELOW : 1 ) # XXXX XXXX XXXX XXXX XXXX 2 ) # XXXX XXXX XXXX XXXX XXXX 3 ) # XXXX XXXX XXXX XXXX XXXX 4 ) # XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY ILLEGALLY PLACED AN INQUIRY ON MY XXXX XXXX CREDIT REPORT ON DATE XX/XX/2020 SUBSEQUENT TO RECEIVING MY VALIDATION REQUEST ( S ) WHICH RECEIVED NOTHING CLOSE TO VALIDATION. 
PORTFOLIO RECOVERY IS IN VIOLATION OF FEDERAL AND STATE LAWS FOR COMMITTING CONTINUED COLLECTION ACTIVITIES. THIS COMPANY HAS VIOLATED THE FCRA AND FDCPA AS THIS IS A VERY SERIOUS VIOLATION IN ADDITION TO REPORTING AN ALLEDGED DEBT THAT I HAVE DISPUTED IN ITS ENTIRETY..I WANT THIS INACCURATE ITEM DELETED FROM MY CREDIT REPORT IMMEDIATELY.IF IT IS NOT DELETED IMMEDIATELY I WILL PERSIST AND FILE MORE COMPLAINTS AND SEEK COUNSEL.I PLEAD WITH CFPB TO ASSIST IN THIS MATTER. I APPRECIATE THE CFPB FOR THEIR EFFORTS IN ADVANCE.
Consumer complaint received 2020-09-26
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: CITIBANK, N.A. (KY)

Please reference the Mastercard Dispute Resolution Management COVID-19 Guidelines dated XX/XX/XXXX XXXX attached. Please see page 4 question 1. 
This is my dispute. 
XXXX cancelled my trip XX/XX/XXXX. Services were not rendered. Merchant was unable to provide services and is now out of business. 
I contacted the resort and the room was cancelled by XXXX. I contacted XXXX XXXX and the refund for the flight was refunded to XXXX and we have not received any money back. 
The charge was XX/XX/XXXX for {$4300.00}. 
I have been in contact with Citi Bank and continue to get no resolution since XXXX XXXX. I have filed 2 disputes and still no refund.
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

To Whom It May Concern, I wrote to them requesting an investigation into items that I believe were inaccurate. I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not replied to my request. I regret that I am being forced to take action as such.
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

To Whom It May Concern, I wrote to them requesting an investigation into items that I believe were inaccurate. I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not replied to my request. I regret that I am being forced to take action as such.
Consumer complaint received 2020-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (VA)

I, XXXX XXXX XXXX received a letter from Santander indicating that they did not receive my first payment. However, the payment ( s ) were sent to XXXX XXXX. It has been requested that XXXX XXXX forward the two payments, which exceeds the taxes, title, and tags as well as electronic filing fee amount ( s ) requested. The balance of approximately {$30000.00} should be paid as originally suggester by consumer, XXXX XXXX XXXX.
Consumer complaint received 2020-10-03
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. (LA)

To Whom It May Concern, I wrote to them requesting an investigation into items that I believe were inaccurate. I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not replied to my request. I regret that I am being forced to take action as such.
Consumer complaint received 2020-09-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (NC)

I received the Netspend All-access debit card which I never applied before. Card number, valid-through date, cvv, and my name are on the card. Even account number and routing number are on the welcome letter. I called the customer service of Netspend, they admitted that I didn't apply for the card and that I would have a new account once I activated the card. It's so tricky that they sent the card which are identical to the genuine debit card yhen they can chage fees after people who don't know the trick and activate the card. My personal information is also leaked.
Consumer complaint received 2020-09-26
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: SUNCOAST CREDIT UNION (FL)

These accounts were created without my consent. I did not authorize any of these transactions. 

XXXX XXXX  Balance {$1100.00} opened XX/XX/XXXX / XXXX/XXXX  Balance {$4500.00} opened XX/XX/XXXX SUNCST CU Balance {$2000.00} opened XX/XX/XXXX XXXX ( Original Creditor 11 XXXX  ) XXXX opened XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) {$1300.00} opened XX/XX/XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) Balance {$230.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX ) Balance {$1100.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX ) Balance {$10000.00} XX/XX/XXXX XXXX XXXX XXXX  Balance {$34000.00} XX/XX/XXXX
Consumer complaint received 2020-08-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I have been able to freeze and unfreeze my Equifax reports since XXXX using a PIN that was provided by Equifax. Equifax recently changed the process where the PIN is no longer valid and I have to use MyEquifax website ( https : //my.equifax.com ). 

I created an account at MyEquifax website and I was successfully verified, but I am unable to login. When I attempted to reset my password, Equifax claimed that I have no account with them. This is the timeline of the issue : 1. Created an account with my email address and unique password at MyEquifax website 2. During the registration process, I opted to receive verification PIN via mail 3. On XX/XX/XXXX, I received the PIN and verified my account at https : //my.equifax.com/pin 4. The account is verified and I received an email from Equifax that my account is now active ( See attachment 1 ) 5. I tried to sign into MyEquifax, but received an error that my email and password combination is incorrect ( See attachment 2 ). However, I am using the SAME email and password from Step 1 above.

6. I clicked on Need Help Signing in? and entered my personal information ( SSN, DOB, Name, etc. ). 
7. Equifax claim that there is no account associated with my personal information ( SSN, DOB, Name, etc. ) ( see attachment 3 ) 8. If I try to register for a new account, Equifax then said that an account has already been created with my personal information ( see attachment 4 ) This is strange because I DO have an account at https : //my.equifax.com based on Step 1 to 4 above : * I can request a verification PIN ( Step 2 ) * The verification PIN was sent to my address ( Step 3 ) * The verification PIN and my email address was accepted ( Step 4 ) * I received a Welcome email from Equifax ( Step 4 ). 

So Equifax claimed that I do not have an account ( I do per the above ), but if I tried to register, Equifax said an account already exist. 

I have attempted to contact Equifax by sending them a letter, along with proof of my identity ( SSN and utility bill ) via USPS Priority Mail with proof of receipt. Equifax has received my letter ( according to USPS proof of receipt ) but as of today, they have not responded to me at all. 

Currently, I am LOCKED OUT by Equifax and I can not do ANYTHING with my own Equifax credit report. Equifax also has not responded to my request for help. 

Could CFPB assist me in this matter? This is a big issue for me because I can not get a loan for my daughter college tuition since ALL financial institutions are unable to access my Equifax credit.
Consumer complaint received 2023-01-06
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: CLGF Holdco 1, LLC (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, has violated my rights. 

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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-10-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

Attn : Consumer Relations To Whom It May Concern, I wrote to them requesting an investigation into items that I believe were inaccurate. I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not replied to my request. I regret that I am being forced to take action as such.
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Attn : Consumer Relations To Whom It May Concern, I wrote to them requesting an investigation into items that I believe were inaccurate. I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not replied to my request. I regret that I am being forced to take action as such.
Consumer complaint received 2020-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TSC Accounts Receivable Solutions (CA)

This account is not mine. I requested the debt to be validated and the proof sent to me. I have attempted to contact them a few times including certified mail. They never reply and continue to report to my credit report. 


I never received notification of this collection and only discovered this fraudulent account after checking my credit report for accuracy..
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

Attn : Consumer Relations To Whom It May Concern, I wrote to them requesting an investigation into items that I believe were inaccurate. I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not replied to my request. I regret that I am being forced to take action as such.
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I have an Experian account. I can not use it because the site sends me into a continuous loop and there is no one to answer the phone or speak to about it. Because of this I can't cancel or delete the account and set up a new one, so I'm completely locked out. They are an awful company with lousy service and it's impossible to get a credit report.
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MO)

I have multiple trade lines on my credit report but I've been told that because they know I'm XXXX by identifying my social begins with XXXX and end with a XXXX I have a lower score then those that began with 200  or 100 which are XXXX.
Consumer complaint received 2023-01-09
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. (SC)

My name is 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.