davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
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. (MD)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The items are listed below : 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 2019-11-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2024-03-08
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. (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 2022-12-16
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. (TX)

I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

NOTICE AND DEMAND This account is a corporate account with I, as a member of the corporate LLC. This information has been reported prior and was removed by the lender servicing company. However, there is litigation and this is reporting on my personal name and is erroneous reporting, and need to be deleted immediately, this is causing a hardship and there is liability looming.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I sent a dispute letter to Experian credit bureau requesting them to answer several questions regarding their previous investigation on my dispute regarding XXXX XXXX XXXX. They did not provide me with the information but did mark the dispute as complete which I have the results attached. If they couldn't answer these questions, then this shouldn't have been on my report. This should not be on my report!
Consumer complaint received 2022-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FISERV INC. (NJ)

On XX/XX/XXXX, I got a letter from TRS saying they bought a debt of mine that was not a valid debt, as can be seen in the attached file, the bank returned the money to the merchant, I right away provided the information via their website, and never heard back. On XX/XX/XXXX they sent me a follow up, I called on XX/XX/XXXX and they told me the dept that handles paid debts is not reachable and I should just wait for them.
Consumer complaint received 2021-11-14
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: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I was looking at my credit report and noticed that there were two hard inquires on my account. One I was aware, as I purchased a car in XXXX and took a small loan, which I payed off immediately. The other was under CBNA, which after many phone calls, I found out it was CitiBank. I called them and was told I would have to call XXXX, which I did and then was told Citibank should be helping me. Being somewhat frustrated, I talked to a fraud expert at Citibank who explained I had to fill out this form and after receiving a response form you, I would then have to mail it them. The representative has already stopped the card from being used, as the card was sent out, not received by me, but she cancelled the account. 

I have talked to many people regarding this issue, and the most important thing to me is having the fraudulent hard inquiry removed from my credit report. I worked hard to get it where it is, and I should not be punished for what someone else has done.
Consumer complaint received 2021-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I attempted to dispute inquiries made on my credit report online. I was then told on their website to call a 1800 number to make a dispute because I can not dispute it online. I called Transunion and talked with " XXXX the Supervisor for special handling '' and was denied from legally disputing any unauthorized inquires made on my account. I informed them under section 609 that I have every right to dispute anything on my report that may be fraudalent or unauthorized. And was still denied. They told me they will need a " letter from a lender ''. I then informed them that the lender would not logically know if the inquiry was unauthorized or not. Only the consumer would be able to confirm that. Transunion is violating my rights under section 609 to dispute anything on my credit report, including unauthorized inquries. I demand that my inquries be disputed legally or deleted. If this isnt done under law section 609. The next step will be legal action with my attorney.
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NJ)

Approximately early XXXX, saw that my frozen credit had received a collection notice against it, instantly hurting my credit score. I had previously frozen my credit as I had observed several attempts to open accounts under my name in the XXXX timeframe. 

This account however, I had no awareness of, is not mine and is purely a result of identity theft. 

I attempted to file a dispute with XXXX but they require me to file a dispute with the FTC which redirects me to you. 

Below is the information reported by XXXX : Original creditor XXXX XXXX Account info Account name CONVERGENT OUTSOURCING Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$680.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$680.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$680.00} Highest balance {$0.00} Terms 1 Months On record until XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Experian is furnishing accounts on my consumer report that is a result of an alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I did not benefit from the transactions. I sent Experian written correspondence which included my proof of identity, an identity theft report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice.
Consumer complaint received 2022-05-20
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. (MD)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The items are listed below : 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 2021-11-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (GA)

I, XXXX XXXX, living human being/consumer, am submitting this on my own behalf. No third party is involved. Midland Credit Management failed to properly validate the debt pursuant to 15 USC 1692g sent on XX/XX/XXXX. They also failed to respond to my affidavit of truth, thus creating a fault. They committed FRAUD by collecting a debt not owed, and I have filled a complaint to the FTC for FRAUDULENT activities ( FTC Report Number : XXXX ).
Consumer complaint received 2022-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (NV)

On XX/XX/2022, WILLIAMS & FUDGE INC added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA WILLIAMS & FUDGE INC has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Consumer complaint received 2022-07-23
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP (TX)

On XX/XX/2022 I received XXXX letters from this business demanding I pay a debt that I felt I did not owe. I used XXXX XXXX XXXX on XXXX to ask them to stop contacting me so I'd have proof of my request and they responded on XXXX and told me they will continue to contact me anyway. Today, XXXX I received XXXX letters from them at the same time. XXXX duplicate letters demanding I pay the debts I feel I do not owe. Instead of seizing contact like I requested, they doubled down and contacted me twice per " debt '' at once. I am attaching proof of this.
Consumer complaint received 2022-12-19
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. (GA)

I Identified information on my report that are a result of identity theft. Please remove personal information That i do not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No Financial institution is not suppose to share my information to third party people.

These are clear violation of my federally protected consumer right. 


Please See Attachment
Consumer complaint received 2021-11-14
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/2021 I booked an airplane ticket with XXXX XXXX using my credit card Capital One to travel from XXXX to XXXX, XXXX with one short stop in XXXX. 
On XX/XX/2021 I checked once again my itinerary only to discover that the flight from XXXX to XXXX was cancelled. I immediately cancelled my ticket with XXXX XXXX and asked for a refund. I also called Capital One and spoke to their Customer Service and they stopped the payment to the airline. 
( This was at the height of Covid-19 and I had heard that in XXXX the situation was ghastly. ) At that point I re-booked a ticket with XXXX XXXX using again my Capital One credit card and my flight to XXXX went smoothly. 
Returning from XXXX about a month later I discovered that Capital One had reinstated the XXXX XXXX XXXX based on a cable they received from XXXX XXXX describing how they had offered me coupons and I had not used them! 
I called Capital One 's Dispute Dept. and also sent them a Registered Letter with return receipt. On the phone the credit card officer told me that they justified XXXX XXXX and that the charge stands. I have copies of all my correspondence. I also cancelled my credit card after many years of usage due to their flagrant disservice they've done me. 
I have had an excellent credit record and they lost a good customer but I refuse to pay them the amount they are asking for the ticket I did not use, {$1300.00}. Please help me correct this grave error on their part as well as their not replying to my registered letters though they have signed as 'received '. 

p.s. All my correspondence with the above named credit card, as well as receipts of the Post Office, are available for your perusal. 
Thank you!
Consumer complaint received 2021-11-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

Below is the information I emailed to PenFed on XX/XX/2021 and never received an acknowledgement, let alone a response : I refinanced my old PenFed HELOC ( Account # XXXX ) that had a limit of {$43000.00} and an outstanding balance of {$41000.00} with a new HELOC at PenFed ( Account # XXXX ) that has a limit of {$110000.00} and an outstanding balance of {$42000.00} as of today. My closing was on Friday, XX/XX/2021 with XXXX XXXX and I was told that the funds would be drawn within 3-5 business days to pay off the old HELOC so I would not have to make any more payments on it. 

Here is where the problem lies : The old HELOC is STILL OPEN showing a principal loan balance of {$41000.00} with a LATE PAYMENT of {$580.00} that was due on XX/XX/2021 ( now 24 days OVERDUE ). Given that YOUR COLLECTION DIVISION called me, I made a payment in the amount of {$580.00} TODAY to avoid getting a negative rating on my credit report due to lack of payment/delinquency. 

FUNDS IN THE AMOUNT OF {$42000.00} WERE WITHDRAWN FROM THE NEW HELOC ON XX/XX/2021 - WHERE IS THAT MONEY TODAY? 

Additional questions : - Why is the old HELOC still not paid off? 
- Why is there a late payment on the old HELOC due after the expected closing date? 
- Why is the principal amount on the new HELOC higher than the amount on the old HELOC? Was there a fee that I was not aware of? Was there a penalty assessed? Should I expect a check in the amount of the difference? 
- Why is the payment due on XX/XX/2021 only {$100.00}? 
- I have received 2 checkbooks in the mail, 1 for the old HELOC account and 1 for the new HELOC account- why is this?
Consumer complaint received 2021-11-14
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: DISCOVER BANK (CA)

I ordered a bed from XXXX and it never arrived to my house. I contacted XXXX and they told me the item was delivered, showing me delivery confirmation, but it was not delivered. They told me they would file claim with XXXX and I never heard from them. I then filed a dispute with my cc Discover and they did not want to help me. I have been with Discover 14 years and not once have I paid interest with them and rely on them to make secure transactions. Discover did not want to help me with this dispute. {$140.00}. 
XXXX
Consumer complaint received 2019-07-23
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (ME)

The company called our daughter yesterday and clearly said that they were from a debt collection company, which I have read they are not supposed to do. I have the recorded message from my daughter 's cellphone as proof.
Consumer complaint received 2021-07-23
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)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2023-02-21
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

During XX/XX/XXXX, I discovered that I had been a victim of identity theft. One of the accounts opened by the fraudulent person was a USAA SAVINGS BANK Account. I flagged all of my credit accounts with identity theft flags and filed an identity theft report with the Federal Trade Commission. 

I disputed the USAA SAVINGS Bank account on all three credit reports : XXXX, XXXX, and XXXX. Also, I spoke to USAA 's fraud department directly and informed them, I was a victim of identity theft. Further, I have not now nor have I ever been in the military. With my disputes, I submitted both my FTC Identity Theft Report ( attached to this complaint ) and a copy of my police report from the XXXX County Sheriff 's Office ( attached to this complaint ). 

As of today ( XX/XX/XXXX ) USAA has removed the fraudulent account from both XXXX and XXXX. However, USAA denied the removal from XXXX and placed it back on my credit report. I submitted this XXXX dispute on XX/XX/XXXX and their ongoing denial and refusal to remove this account is preventing me from accessing financing I need today. I was told by XXXX 's Fraud Department that there isn't anything more they can do, this is 100 % on USAA Bank.
Consumer complaint received 2021-11-14
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. (HI)

I, XXXX XXXX disputed inaccurate accounts with TRANSUNION per certified mail on XX/XX/XXXX TRANSUNION mailed back INVESTIGATION RESULTS AS VERIFIED on XX/XX/XXXX BUT ONCE AGAIN NO INDEPENDENT INVESTIGATION WAS COMPLETED AS TRANSUNION ONCE AGAIN CLAIMS ACCOUNTS AS VERIFIED BY PARROTING INFORMATION THEY RECEIVED FROM CREDITORS PROOF OF NO INDEPENDENT INVESTIGATION BEING DONE BY TRANSUNION CLEARLY SHOWS UP ON MY RECENT UPDATED CREDIT REPORTS, BECAUSE THE " DATE UPDATED '' DATES DID NOT CHANGE AND SHOWS A DATE FROM XXXX and XXXX, EVEN THOUGH I DISPUTED THESE ACCOUNTS LAST MONTH, A CLEAR SIGN OF NO INVESTIGATION AND A CLEAR VILOATION OF MY RIGHTS AS WELL AS HARMING ME FROM GETTING NEW EMPLOYMENT! 

THE FOLLOWING INACCURATE ACCOUNTS WERE NEVER UPDATED XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I recently reviewed my credit profile and there are accounts that I did not authorize reporting on my files. I am not associated with any of these accounts and would like these inuqiries removed from my credit file as I am currently in the home buying process and this is greatly hindering 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 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 Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Business Cred - XX/XX/XXXX