davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I found some information which is not mine. I would like to immediately dispute. I believe that I may be a victim of identity theft and I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from.
Consumer complaint received 2021-08-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Equifax, XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is A brand new complaint in addition to complaint XXXX with XXXX. The information that is reported on my credit report is Fraudulent!!! I have been requesting A complete copy of the document that the Company XXXX XXXX said I signed and has placed on my Credit Reports for over A year and was bullied into paying the account because I want to be A Home Owner. I Have Consistently Disputed this with all three Credit Bureaus because I knew it was Fraud. I had enough of the inconsistently reporting of the account which includes the amounts, the dates and times of payments, The date on the Loan Document isnt even the same as the one XXXX XXXX put on the Cover Letter they sent and not to mention I had not tried to get any credit from any company because I was working toward purchasing my very own home for my family at the time. 
I filed my complaint with the Consumer Financial Protection Bureau only after emailing XXXX XXXX to send me A complete copy of the Loan document that I signed and requested the Credit Bureau, XXXX  to provide me with it as well. I did that on XX/XX/2021. In the email to XXXX XXXX I also gave them until XXXX XXXX to email and USPS mark the information to me. Today I will be providing you with A Copy of my Illinois Drivers License ( Its not updated because of Covid-19 but it is valid ) and A copy of my Social Security Cards ( I have two in my possession ) one from my early twenties and one in which I obtain five years ago because I thought I lost the other one all in which contains my Legal Signature. Most importantly I am sending A copy of the Documents that XXXX XXXX mailed to me that are post marked on the envelop XXXX XXXX only a day after I filed my complaint with your office. The Loan Document that XXXX XXXX mailed to me is Fraud!!! On this document I can honestly tell you THIS IS NOT MY SIGNATURE!!! And I can honestly tell you my mother XXXX XXXX use to whip my behind because I was NEVER ABLE TO WRITE A CURSIVE XXXX to spell my name to save my life. Not to mention the rest of the signature is a Complete Joke. Starting from the top, that is the neatest handwriting with the Wrong Address. I live in XXXX XXXX Illinois not XXXX!!! This account has been Verified??? By whom??? At the Three Major Credit Bureaus??? I am Absolutely Mortified right now. These Credit Bureaus hold my very life in their hands and wont check for Accuracy??? How many people have they allowed this to happen too??? This is complete proof that my credit file has been Breached By XXXX PERIOD!!!
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

As stated in my previous complaint, I have disputed a Chapter XXXX bankruptcy reporting on my TransUnion credit report as well as all of the accounts that were included in that bankruptcy on XXXX and XX/XX/XXXX and now also XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX due to the fact there are multiple inaccuracies and discrepancies being reported which is having a devastating effect on my credit scores and financial well-being. And each time I have disputed this information, TransUnion has CLAIMED the Chapter XXXX bankruptcy has been verified by XXXX and that the bankruptcy and accounts included in the alleged bankruptcy belong to me AND are reporting 100 % accurately. However, the information that is being reported to each credit bureau is completely different such as the file date and discharge date and no assets or liabilities are reported which is definitely an inaccuracy. And the accounts that were allegedly included in this erroneous bankruptcy are all reporting differently across the credit bureaus. Information such as open date, date of last activity, date of last payment, date of first deficiency, high balance, etc are completely different. Yet, TransUnion has CHOSEN to continue reporting this information on my file. My confusion is how is TransUnion in compliance with what is required by The Fair Credit Reporting Act regarding truthfulness and accuracy of ALL information being reported on my credit report, if they have been given ample evidence to the contrary, yet are still reporting this erroneous information? Furthermore, I have provided them with proof that XXXX XXXX who they claim verifies their bankruptcy reportings ) has no record at all of any bankruptcy listing under my name and social security number ( which I have attached to my complaint ). As you can see under Section 9 of the report, there are NO bankruptcy listing being reported. I disputed this inaccurate information with XXXX and they entirely removed it from my file. Yet, TransUnion has chosen to continue reporting this inaccurate information further damaging my credit worthiness.
Consumer complaint received 2021-08-10
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc. (TX)

My credit report has accounts reporting that should not be reporting on my consumer file under 15 USC 1681 and 15 USC 1681b. I have tried to communicate with these companies to resolve the problem and I have not received a response. I am suffering mentally and under the Fair Debt Collections Practice Act my rights are constantly being violated.
Consumer complaint received 2021-08-10
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. (FL)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2021-08-03
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)

I reviewed my credit reports from XXXX, Equifax, and XXXX  and they are reporting an account that violates my federal rights as a consumer. I sent them a letter bringing these violations to their attention and they have not responded and the account is still reporting on my credit reports. First and foremost, I did not give them my written consent to report the account pursuant to 15 USC 1681b ( 2 ). Second, they have violated my privacy pursuant to 15 USC 1681a ( 4 ) they are sending my private information to a data furnishing companies that I also did not give my written consent to have. Using my information without my consent is identity theft and is punishable under federal law.
Consumer complaint received 2021-08-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE (TX)

XXXX XXXX Barclays Card. Promotional 0 % interest period ended without notice and balance of interest was accelerated into one payment that nearly exceeded the amount of principal paid on the card. When called, they did not waive or remove any charges. I would have never financed with Barclays if I knew they engaged in this usury. I ended up paying off the balance in full and closing the account. I took a {$600.00} hit for what I thought was a 0 % interest card on a specialty purchase financing plan. Also, I can not find anything on the website about my original account terms, thus I have no way of determining if this is even the right promotional period. Very distressing. Shame on them for bait and switch and shame on XXXX for participating. I want nothing to do with them anymore.
Consumer complaint received 2021-08-03
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. (TX)

I had a late payment with XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX  during COVID. Each institution hasnt properly handled my dispute.
Consumer complaint received 2021-01-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants Adjustment Service, Inc. (GA)

Never received a call back after calling the number on credit report. This debt is from XXXX I have insurance and the secondary covered what my insurance XXXX didnt cover so Im not sure why Im being billed for amounts insurance already covered there agreed upon amounts.
Consumer complaint received 2021-08-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Collection Systems, Inc. (OH) (IN)

XXXX XXXX has called me multiple times about a debt. Each time he is rude and will not send out the debit validation letter so I am able to reach out to the original creditor. I have asked him to mail me the original creditor information and he will not do. I know that I can go back to the creditor and validate the debt before I start working with the debit collector. He is rude and I will not continue to harassed and forced to pay something I do not believe to me the true amount owed.
Consumer complaint received 2021-08-03
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. (TX)

I had a late payment with XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX during COVID. Each institution hasnt properly handled my dispute.
Consumer complaint received 2021-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Hello my name is XXXX XXXX Capital One restricted my account due to receiving a check from XXXX XXXX. The account has been restricted since XXXX XXXX. They took my direct deposit and XXXX excess away. They also misinformed me information on my account. I was told I can not receive any written or email correspondence as to why my account is being restricted. The loan was approved in my social security number yet Ive been told it was in a ein number and it does dont match. I spoke with the lender and the lender clearly stated that there is no issue on there end and capital one has no right to hold the funds. Capital one stated they will refund the funds but failed to do so. Capital one representatives are very rude and obnoxious. I would like legal action against them for I been a loyal customer to them since XX/XX/XXXX. 

Thank you
Consumer complaint received 2024-02-05
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. (NV)

In accordance with the Fair Credit act. The List of accounts below have violated my federally consumer rights to privacy and confidentiality under 15 USC 1681. 
These accounts below have violated my rights. 

XXXX XXXX  # XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX  XXXX # XXXXXXXX XXXX XXXXXXXX # XXXXXXXX XXXX # XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2021-08-03
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. (VA)

I have sent several letters to Equifax in regards to inaccurate information being reported on my credit report and nothing has been resolved. i demand these inaccurate account to be deleted from my credit report immediately. I have attached copies of the letters sent along with proof of identity. if this is not resolved i will seek legal action. this has affected my entire life.
Consumer complaint received 2021-08-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I have not received any confirmation on how you have verified the alleged account and account information attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court, if necessary, as evidence of my trying to rectify the subterfuge that you are reporting. ( Copied from attached Affidavit ) ****
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute the information reported on my credit report regarding account number XXXX. According to the information provided by XXXX, the account was sold to XXXX XXXX XXXX. However, after careful review, I believe discrepancies in this account 's reporting warrant investigation. 
On or about XX/XX/2022, XXXX purportedly sold account number XXXX to XXXX XXXX XXXX. XXXX indicated that the account was charged off, and {$19000.00} was written off as bad debt. It is crucial to note that XXXX relinquished its rights to this debt upon the sale of the debt to XXXX XXXX XXXX. 
XXXX can not sell an account and maintain a tradeline simultaneously on my credit profile. The inclusion of the tradeline makes my consumer report Inaccurate and Incomplete and violates the FCRA 's proper reporting. I am being penalized twice for one offense, which is tantamount to Double Jeopardy in criminal law.
Consumer complaint received 2021-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I atgneoted to apply for a mortgage and it was brought to my attention a judgement was made and a lien is on me for XXXX $ by company LVNV funding. I attempted to call to settle this unknown lien from XX/XX/2016. I have the lien information and the lvnv company has no record of me or my SSN and can not help me erase this.
Consumer complaint received 2021-08-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (WA)

On XX/XX/XXXX, I contacted Coinbase about being unable to log into my account. I needed to have a recurring purchase halted as I was not able to sign into my account. 

On XX/XX/XXXX, Coinbase responded saying they would look into the issue. This was the last message I received from Coinbase that was not an automated message. Despite numerous attempts to contact Coinbase about this issue, there has been no actual response.

Since then, there has been a {$200.00} biweekly withdrawal from my bank account ( {$200.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to purchase ETH. As I have no way to access my account and explicitly stated that I did not authorize these purchases, I have to assume that Coinbase has scammed me out of my money and is committing some sort of fraud by continuing to make purchases that I did not authorize.
Consumer complaint received 2021-08-03
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. (MS)

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the XXXX  you have caused me.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

XXXX and Experian reported the bankruptcy was verified through XXXX XXXX and the courthouse, both entities report they have NOT verified this information with either party. Experian has refused to re-investigate this matter.
Consumer complaint received 2023-01-23
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: WELLS FARGO & COMPANY (AZ)

In 2017 I seen on my credit report I have a wells faro credit card which Ive never applied for and never had in my possession. I went into the bank spoke with a banker and they tire to tell me a system error and would be removed unable to explain to me how it got there in the first place.
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NH)

I paid {$9000.00} off My credit card bill bringing my balance to zero XX/XX/XXXX. It is now the end of XXXX, and this is still not been reported to my credit. I have sent two messages to comenity asking for them to report my balance to my credit. Both gave me nothing but generic information saying that it could take up to XXXX calendar days for my credit to be updated. It is now been well over 90 days, and there has been no updates.
Consumer complaint received 2021-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (FL)

Carter Young is a debt collection agency that has an account under my name in collections. The debt is not mine, it belongs to my mother. The apartment was given to me as a gift and it was agreed upon that she would pay the rent for it. One day, she decided to stop paying the rent and now all of a sudden I have this debt in my name. I tried to reach out to the debt collection agency to see if we could find a solution to this problem or at least have the debt removed from my credit and was offered no type of help. The manager, Mr. XXXX told me that my mother was seeking legal counseling about the matter, which I had no knowledge of. I tried to explain to him that the debt was not mine and all he was concerned about was if my age at the time and if I had spoken to my mother about it. Like I said, the apartment was a GIFT to me for graduating and now I have to suffer because my mother agreed to pay for the apartment and stopped doing so. XXXX XXXX is a very unprofessional business, they offered me no help and was rude to me when I tried to ask for it. They have no professional mannerisms at all and seem as if they dont want people to pay off their debts. They are okay with no finding a solution for situations when asked for help. Since the moment they have added me to collections, not once have they EVER tried to call or reach out concerning this debt. For the past two years I have never heard from these people!!! And when I call to try to come to a solution they completely turn me away, hang up in my face or transfer me to phone lines that are out of service.