davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-04
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. (TX)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2021-01-04
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. (CO)

On XX/XX/2020 I purchased a set ( 2 ) nightstands from XXXX / XXXX company. 
The price for each nightstand was {$140.00} making the cost for the set {$310.00}. My Costco VISA card charged me {$310.00} twice and keep claiming that the merchant is refusing to issue a credit for the duplicate charge of {$310.00}. I have emails from the company saying they have only charged once but VISA refuses to listen and tell me that they have closed the dispute against my favor. That means that they are pocketing my {$310.00} because the merchant has been paid only once by the credit card.

One day I called VISA 6 times and each time they hung up on me by claiming they could not hear what I was saying. 

Costco VISA has a history of duplicate charges on my account and I am getting sick and tired of their high handedness. I want to close this card but can not do it until this is resolved or they will report to the consumer reporting agencies. 

Thank you for any help you can provide! 
XXXX XXXX
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX
Consumer complaint received 2021-09-15
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. (VA)

Hi, I am writing my concerns regarding the accounts I found in my credit report. They are not mine and I do not recognize them. My memory does not have these items at all, and I think I am victim of identity theft because its obvious if these accounts are not mine. 

I am talking about these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-15
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: Experian Information Solutions Inc. (NY)

There is a bankruptcy that is appearing on my consumer report that is in direct violation of 15 USC 1681b ( a ) ( 4 ) and 15 USC 1681b ( a ) ( 2 ). It is also is not associated with me. On XX/XX/2021, I received confirmation from United States Bankruptcy Court Eastern District New York, which I have attached to this complaint. It states that there was no bankruptcy found with my information.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DigniFi (AL)

AS A RESULT FROM IDENITY THEFT FROM XXXX XXXX. XXXX XXXX XXXXXXXX IS REPORTING 3 ACCOUNTS ACCROSS ALL THEREE CREDIT BUREAS. I SENT THEM THE FRAUD AFFIDAVIT. ON THE LATEST UPDATE THEY REPORTED ON THESE ACCOUNTS ACCROSS ALL THREE CREDIT REPORTS THAT MY LAST PAYMENT WAS ON XX/XX/2024. I NEVER MADE A PAYMENT ON THESE ACCOUNTS NOT MINES. WHICH THEY ARE DOING ON PURPOSE TO LOWER MY CREDIT SCORES. I HAVE NEVER PAID ON THESE ACCOUNTS.
Consumer complaint received 2021-09-15
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. (NY)

There is a bankruptcy that is appearing on my consumer report that is in direct violation of 15 USC 1681b ( a ) ( 4 ) and 15 USC 1681b ( a ) ( 2 ). It is also is not associated with me. On XX/XX/2021, I received confirmation from United States Bankruptcy Court Eastern District New York, which I have attached to this complaint. It states that there was no bankruptcy found with my information.
Consumer complaint received 2021-01-04
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. (OH)

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that does not belong to me. The following account in dispute is listed below : XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

Please Delete Telephone numbers that do not belong to me : 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 2021-01-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

I made a purchase on my Forever 21 credit card. I then immediately told the sales clerk I wanted to pay that balance off with my debit card, which she then ran for me. This was a Friday evening. However, when receiving my Foever 21 bill, it showed the payment was never applied to my Forever 21 credit card. It was however deducted on my bank statement which I immediately checked. I informed Comenty bank ( Forever 21 ) that the payment had been made at the same register immediately following the purchase and I sent them a copy of my bank statement. They, However are wanting me to send the payment receipt which I no longer have ( and not even sure I received ) or retrieve a electronic transmittal inquiry form from my bank. My bank is saying my statement is my transmittal form which shows the amount paid to Forever 21 and has all the information they need ( including the transmittal number ). It has been a big back and forth for over 2 months now and now comenity has said they have reported derogatory information on me to the credit bureau even though we have filed a dispute which has not been resolved yet and I have sent all the necessary information regarding the payment. This is a nightmare and Im not paying them again when I have proof of the payment on my bank statement. Im not sure if the clerk at Forever 21 didnt make the payment correctly or what happened, but the money has been taken from my account and Forever 21 has it.
Consumer complaint received 2021-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (LA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-01-04
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. (OH)

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that does not belong to me. The following account in dispute is listed below XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 
Please Delete Telephone numbers that do not belong to me : 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 2021-01-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: FISERV INC. (OH)

I have my paychecks deposited onto a Money Network Card which also my stimulus check was deposited onto. They have incorrectly processed a dispute which was showing my account overdrawn by {$1000.00} now I am unable to gain access to the {$600.00} stimulus deposit.
Consumer complaint received 2021-09-15
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. (WA)

This is a complaint against the timeshare XXXX by XXXX. We spoke with their employee XXXX XXXX, XXXX OR location. He said he's also an owner and claimed that he doesn't get commission. We were told we're making a good financial investment because I can sell it & make profit, that we can actually make money from it by renting it out thus earning us rental income. They enticed us by telling us we will never have to pay maintenance fees again, that we can use our points to offset the fee. They promised things would be positively different each time things got worse. They also told us that resale value would go up which is another reason for good investment & it has some tax benefits similar to owning a second home. They had our IDs during the process. They offered gifts such as giving us 7 days to Hawaii but we never actually got it, we didn't get anything at all. We felt pressured & rushed when they said it's our last chance at the lowest price being offered and if we don't but that day, the price won't go back down. We felt we're being given a special opportunity to get this, saying they needed " corporate '' approval in order to grant us the price being offered. I felt I was profiled because I am a minority, they also asked me qualifying questions such as if I have a credit cardit so they can open a credit card for me which I didn't want. They had me open a credit card which they never explained what for, I never received a copy of the application, and was never informed of the fees, it was never explained to us. Everything felt rushed to the point that they didn't even allowed us time to read through the contract because they were rushing me. They told me they would email me an original copy of my contract but I never received anything from them. One more problem was that I wasn't made aware of the cancellation process, they didn't even proactively educated us as to how many days to cancel which should have been part of the discussion. I have copies of things I sent them, I've sent requests to cancel for a couple of times but got rejected every time. We've been stressed out because of all the lies & fees we have to pay. We're having financial difficulties due to this timeshare concerning out home mortgage, kids tuition, which we're having trouble paying because of the timeshare. We're getting XXXX, worrisome and XXXX caused by this timeshare to the point that we're getting work stress, issues, missing work because of all the stress from this timeshare. This even have an effect to us losing a lot of sleep. I had the worst experience with this timeshare, being lied to, being pressured and had to sit there for more than 8 hours & now I have been stressed out ever since buying this timeshare. We were simply defrauded, lied to and was taken advantage of.
Consumer complaint received 2021-01-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (LA)

I have a debt showing on my credit report for a company i have never heard of NCB Management Services. On my credit profile it shows they are trying to collect a debt that they say i owe or owed to XXXX  XXXX XXXX. XXXX was found by a Coalition of 34 State Attorney Generals to have violated consumer protection laws in auto loans with a high probability of default. i have never heard of this company ( NCB ) and they are trying to collect a debt from me from a fraudulous other company XXXX XXXX XXXX. This is fraud and i would like this removed from my credit report immediately. XX/XX/XXXX a settlement was announced as a result of this investigation into XXXX  where XXXX exposed borrowers to unnecessarily high levels of risk. NCB is trying to collect a debt from me and i would like them to be removed from my credit report immediately. also my state attorney is apart of the investigation into XXXX. all of this is fraud and preventing me from purchasing a home for my family. terrible just terrible
Consumer complaint received 2021-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

This company keeps billing me and then improperly applying my payments to the loan ( in different ways XXXX so that they can charge me late fees and ask me if I want a forebearance. They answer is " NO! '' I have income based payment set up and I'm trying to pay off my loan. They are conducting predatory lending practices. 

I have been trying to make regular payments but each month there is a problem with Navient. They do not apply the payments properly to the loan and then they charge me late fees. When I've tried to pay old late fees, of which I believe have been charged improperly, they took the late payment and applied it to interest and not the late payment ( which they billed me for ). When I called to complain they agreed to refund me the money I sent in to pay the late payment. They then refunded the money and sent me another bill claiming I didn't pay last month 's bill and charged me more late fees. I'm on the phone with then now and they are looking into the most recent issue. They see that I made a regular payment last month but they screwed around with where they allocated the money so that it was not applied properly and now I have more fees. They are telling me they are going to fix it but this issue occurs every month. Every month, they send me a bill, I pay it in full, then they apply it in a way other than how they billed me. Then I get changed late fees and offer me forebearance. 

his is all a trick to prevent me from paying off this loan and to extract more fees and interest from me. I need this situation with this company handled permanently. I did not agree to have my loans sent to this company. I need to the contact information to an agency or law firm who will investigate this issue in earnest. I'm not going to call these people to complain and fix the issue every month. I want this investigated and fixed or I'm going to take this even further.
Consumer complaint received 2021-01-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (OR)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2021-09-15
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. (CA)

Multiple times I have sent an identity theft report to the credit bureaus, yet I have not been getting any response and no action is being taken towards removing this negative remark from my credit report which is fraudulently stating on my credit report. I have filed an identity theft report with the Federal Trade Commission multiple times regarding this issue and even sent them a copy of the police report that I filed because of this fraudulent activity. The bureaus continue to disrespect the consumers and not take their requests seriously. I have been a victim of identity theft and the listed item ( s ) to the attachment is fraudulent and must be blocked and removed from the credit report. I have filed for a police report which shows the seriousness of the issue. I do not want to see a credit line to report on my credit history if it does not belong to me. These are official documents from the Federal Trade Commission and from the XXXX Police Department. The XXXX XXXX XXXX - Acct No. XXXX does not and never had belonged to me. This is the work of an identity thief ( s ).
Consumer complaint received 2021-01-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Credit & Collection, Inc. (IL)

On XX/XX/XXXX I received a threatening letter in the mail for Nationwide credit & Collection INC. Upon further research, the debtor could not provide original contract or signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection with original SIGNATURE. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Nationwide credit & Collection , INC, has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2021-01-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TIDEWATER FINANCE COMPANY, INC. (CA)

I traded in a XXXX ( financed through tidewater ) and the new loan paid off my car loan with tidewater. This was early XXXX. I didn't hear anything from XXXX until the beginning of XXXX when I receive da letter saying the loan was paid off and amount owed was {$0.00}. A week later I received REPEATED calls stating that I owe one payment that wasn't paid off by the trade in because apparently it was scheduled to come out of my account on the XXXX, the trade in was paid off the XXXX so the payment showed as credited to my account, making the tradeoff payoff amount less the payment. I told them no one told me this for 3 months, the letter I received shows I know {$0.00} and on my creidt report it shows them as being paid in full, with no derogatory or late payments in XX/XX/2020.
Consumer complaint received 2021-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I sent a certified letter to Experian/XXXX  XXXX and XXXX  to have my personal information updated that is current and to have all past employment information removed from my credit and all names that is not spelled correctly like on my birth certificate and all past addresses that does reflect my current residence thats is shown on my state drivers license XXXX/XXXX XXXX/ XXXX XXXX- inq XX/XX/XXXX XXXX main inq-XX/XX/XXXX XXXX/XXXX- inq XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-inq XXXX XXXX XXXX XXXX XXXX- inq XXXX XXXX XXXX XXXX XXXX -inq XX/XX/XXXX These are some of the companies that ran my information without my permission