davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (PA)

I submitted a on time payment to Navient for the month of XXXX on XX/XX/21 and for some reason they are reporting the payment as late and I have to resubmit the payment. As a result they reported that I paid them late and this dropped my credit score 51 points. I would like this rectified and for them to remove this late payment/notice from my credit.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to express my concern and frustration about your credit reporting agency reporting information about me without my consent. I believe that this action is a violation of my consumer rights and is contrary to the provisions of the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, credit reporting agencies are required to obtain written consent from individuals before collecting and reporting their personal information. However, I did not provide any such consent to your agency, and yet you still reported information about me to third parties. 

Furthermore, the FCRA requires credit reporting agencies to ensure that the information they report is accurate and up-to-date. However, I have reason to believe that some of the information you reported about me is inaccurate and may have negatively affected my creditworthiness.

I demand that you cease reporting any further information about me without my written consent. I also request that you investigate any inaccurate information that you have reported and correct it immediately. Failure to do so would be a violation of my consumer rights and could result in legal action. 

I hope that you will take this matter seriously and take the necessary steps to rectify any harm that has been done to my credit reputation. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-03-13
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. (OH)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. It has been 60 days and I have not received a response. I feel like I'm being taken advantage of and ignored. Section 611 ( a ) clearly states that a failure to investigate these items being disputed, gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that I have been caused by you. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

I have a debt collection reporting on my credit that is not mines. I have no knowledge of how this account was reported. I have strong reason to believe this debt is the result of an identity theft. I have not authorized nor given anyone permission to do so on my behalf.
Consumer complaint received 2024-03-18
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: EQUIFAX, INC. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2021-03-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (ME)

We have a XXXX XXXX amex serve card. We have had out federal refund put on this card with no problem. Well on XXXX we received our stimulus of XXXX and once it hit our card they locked it. They will not tell us why. They will not give us any answer except to write them a letter and wait for a response. We have almost XXXX on that card. That's all the money we have for bills and etc. And now we have no way to access it
Consumer complaint received 2021-03-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (OH)

This morning I was notified that an account previously held by XXXX XXXX and had been closed and settled yet this collection agency is attempting to collect for the same and already closed account. Not to mention that the account was already found to be unjust through CFPB! 
Phoenix Financial services has breached my rights by attempting to collect an already settled account!

Below Is the already settled account that they are attempting to collect.
Consumer complaint received 2021-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (FL)

National credit systems is violating the Fair Debt Collection protection act. This collection company never reach out to me to validate the debt prior to placing on my credit. The invalid debt reported on my credit as open collection since XX/XX/XXXX and first appeared on my credit late XX/XX/XXXX is inaccurate this account was never a collection account and was paid in full at the time they reported to the credit bureaus the status of the debt is inaccurate due to account being paid as agreed and closed. I further confirmed with the original creditor Wildgrass apartments the amount reported is incorrect balance is XXXX the open date is incorrect furthermore the company was advised by the original creditor on XX/XX/XXXX that this is not a collection account National credit system further proceeded in violating the FDCPA by reporting all of the above inaccurate information again to all credit bureaus on XX/XX/XXXX inaccurate information and no one never contacted me from their company by written and or verbal communication prior to placing this debt on my credit which violates the FDCPA
Consumer complaint received 2020-06-10
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2022-12-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (WI)

I started a new job XX/XX/XXXX and new I would be late making the payment since I got my first check XX/XX/XXXX my next check XX/XX/XXXX XXXX send money orders through XXXX XXXX the next check I sent was XX/XX/XXXX since I got paid on the 2nd. Unfortunately, they keep sending me paperwork like they haven't cashed the money orders I have confirmed with XXXX XXXX that all the money orders have been cashed. In the XXXX payment I let them know that I started a new job and that is why I was late with that 1 payment!
Consumer complaint received 2021-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CO)

I have been unable to log into my account for over a year to make payments or manage any of my personal info on my account. 

I have spoken with support countless times and even received a call from a company representative. I am able to verify my identity on the phone, manage me account via phone, pay my bills via phone, but have been denied access to my online account and am refused a password reset link be sent to my email that is registered on the account. 

This makes account management extremely difficult and I've accumulated fees almost every month this past year. 

I also receive harassing calls from XXXX until XXXX from Citi almost 3 or 4 times a day if my payment is a day past due. 

Citi refuses to send me a password reset link after I've gone through the process of verifying my identity via phone with my SSN and other personally identifiable information such as address, phone number and email.
Consumer complaint received 2024-03-18
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: EQUIFAX, INC. (MI)

I submitted a dispute through Equifax and XXXX regarding the balance of my closed XXXX account. It shows I owe {$8.00} but I had a check printed and sent directly through my XXXX account to XXXX. 
XXXX shows the transaction is completed ie XXXX cashed the check for {$8.00} so the balance should now reflect that the account was paid and I owe nothing, {$0.00}. 
I disputed the amount on my XXXX account so it would show I no longer owe {$8.00} but XXXX informed Equifax and XXXX that the account information they had was correct. It is not. 
I dont owe XXXX {$8.00}. It is paid in full.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (CA)

RESURGENT ACQUISITIONS LLC IS REPORTING A COLLECTION THAT I HAVE NO KNOWLEDGE OF ON MY CREDIT REPORTS. 
( THE DEBT WAS PURCHASED FROM XXXX ) IM UNAWARE OF THIS DEBT, I DID NOT HAVE THE OPPORTUNITY TO ADDRESS THIS INFORMATION. 
IF IN FACT YOU BELIEVE YOU GAVE ME PROPER NOTIFICATION, THEN PLEASE SEND ME THE CERTIFIED RECEIPT WITH MY SIGNATURE ON IT.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am a victim of human trafficking of debt bondage and would like for all listed accounts be BLOCKED AND DELETED immediately! 

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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (FL)

My husband was charged XXXX dollars to care credit in XX/XX/XXXX for a service he didn't receive. We spoke to vendor who denied fraud. SYNCHRONY care credit said that they can't reverse the charge. We reported account as fraud and it was closed. We did not get information that A. No interest charge is only for 6 months and B. An account in dispute does not get charged for only 60 days. SYNCHRONY care credit also did not notify us that the Vendor won the dispute. Account was reopened under a different number and I found out that it reopened due to decrease in my credit score by XXXX plus points. Last time I spoke with rep from SYNCHRONY care credit was XX/XX/XXXX. Manager name was XXXX. Had I received communication I could have avoided interest charges and drop in credit score.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXXXXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX {$3600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7900.00} XX/XX/XXXX
Consumer complaint received 2024-06-07
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: EQUIFAX, INC. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-01
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: FactorTrust, Inc. (SC)

I called to initial the removal of items from my credit report due to being a XXXX  XXXX. I was told i needed to submit documentation, and include all the required documents which i have attached.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2021-03-13
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. (NJ)

On XX/XX/2021 I sent a dispute letter to the credit bureau in regards to items I seen on my credit report that did not look familiar and were inaccurate. Since sending my initial letter it has been over a month and I still have not received a response or anything about the status of my disputes. I also sent another letter demanding the bureau to respond prior to submitting this complaint. I know that according to the law the bureau must investigate the items I disputed and respond within 30 days of my initial dispute or the items have to be deleted immediately. It has been almost two months to date. This is effecting my credit score and I have followed all the correct procedures and I feel my disputes are being ignored and it is aggravating.
Consumer complaint received 2021-03-13
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. (NJ)

On XX/XX/2021 I sent a dispute letter to the credit bureau in regards to items I seen on my credit report that did not look familiar and were inaccurate. Since sending my initial letter it has been over a month and I still have not received a response or anything about the status of my disputes. I also sent another letter demanding the bureau to respond prior to submitting this complaint. I know that according to the law the bureau must investigate the items I disputed and respond within 30 days of my initial dispute or the items have to be deleted immediately. It has been almost two months to date. This is effecting my credit score and I have followed all the correct procedures and I feel my disputes are being ignored and it is aggravating.
Consumer complaint received 2020-03-26
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: EQUIFAX, INC. (GA)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX   XXXX {$14000.00} COLLECTION XXXX {$45.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}
Consumer complaint received 2020-03-26
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. (CT)

On XX/XX/2020, a collections account ( XXXX XXXX XXXX ) was removed from my TransUnion report as a result of my dispute. On XX/XX/2020, TransUnion re-inserted the same account back onto my report. According to FCRA Part ( A ) ( 5 ) ( B ) ( ii ), the credit bureau may be fined " if they reinsert a removed item from your credit report without notifying you in writing within 5 business days. '' TransUnion failed to notify me of the reinsertion. I was notified through my own credit monitoring software.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.