davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (NC)

This company The XXXX is showing up on my credit report as I owed them. I have never lived there or been there I don't know if this is a mistake or identity theft but we need to have this removed and provide me with any documents so that i can further prevent this. thanks
Consumer complaint received 2022-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

This company XXXX XXXX is showing up on my credit report as I owed them. I have never lived there or been there I don't know if this is a mistake or identity theft but we need to have this removed and provide me with any documents so that i can further prevent this. thanks
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have been a capital one customer for many years and i have paid all my credit card bills on time ; throughout XXXX and XXXX, I have made a grand total of {$990.00} on payments to my credit card, but every time i have made a payment, capital one has marked it as past due and this XXXX, after i had made a {$400.00} payment to capital one, they marked my account as past due to the credit reporting agency, which drastically dropped my credit scores to XXXX, which also put my house purchase in jeopardy since i have to close by XX/XX/2020 and the mortgage company needed a deletion letter in order to process the application. i had filed a dispute with XXXX  and capital one had reversed the late fee. but however, capital one refused to provide me with the deletion letter i needed, even after escalating to a manager because it will take 30 days to investigate which will end on XX/XX/2020 and another 14 days to provide the letter, which will mean that i will not be able to move forward in my home buying process and losing out on the home i wanted.
Consumer complaint received 2020-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In spite of being an account holder in good standing with Bank of America for 17 years, they continue to place holds on my check deposit. The check comes from a well known brokerage but Bank of America places a hold saying it takes them 10 days to get the amount which is simply not true in this day and age. I have never experienced this with other banks. 
I am not being given the true reason of placing the funds on hold. 
This is especially heart breaking in COVID times when someone needs the funds ASAP.
Consumer complaint received 2020-08-12
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 have several inaccurate and unverifiable accounts on my Experian report. I have tried to reach out to dispute these accounts as outlined by the FCRA. However, Experian has time and again chosen to ignore my dispute letters and demand to comply letter. Attached below is my dispute letter from over 60 days which has not received any response from Experian. They have failed to comply with federal laws and to provide valid proof of the validity of any of these negative accounts on my consumer report. All the negative and false accounts are outlined in my attached letters. 
Additionally, my attached Demand to Comply letter has received no response either. I sent all my letters via USPS certified mail and they show they were all delivered on time within a few days of the dates in my letters. These false accounts currently reporting on my Experian credit report are deeply frustrating and is a violation of the FCRA. According to the law all false and/or unverifiable date must be removed. I'd appreciate it if you all can assist with resolving this issue as Experian has not been helpful whatsoever.
Consumer complaint received 2023-03-17
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)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-03-17
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. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-12
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. (CA)

SOMEONE STOLE MY IDENTITY ABOUT A YEAR AGO AND OPENED UP CREDIT IN MY NAME. IT APPEARS THAT TWO OF THE ACCOUNTS WERE SOLD TO A COLLECTION AGENCY.
Consumer complaint received 2020-08-12
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. (AL)

In XXXX and XX/XX/2020, I filed a dispute with the Three major credit bureaus XXXX, XXXX  and Transunion about the unverified account : XXXX XXXX acct # XXXX XXXX and XXXX In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of XX/XX/2020. Thank you
Consumer complaint received 2022-10-31
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. (MD)

I submitted a dispute for services not rendered as described ( false advertising ). Another credit card company investigated the same claim in my favor, and even though I did receive services, they were subpar. I provided emails, text messages, and photos supporting my claim. I also submitted complaints to the FTC, the attorney general ( due to the false advertising/fraud ), and the XXXX. Citi bank wrongfully found in favor of my merchant and will not allow me to appeal. I have worked tirelessly to solve this with the merchant, to no avail.
Consumer complaint received 2020-06-18
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: Experian Information Solutions Inc. (MO)

All three credit reports have not been updated for 10 years. My information was sold by XXXX XXXX back in 2016 a lock/freeze was done to my credit and paid for by XXXX  for a period of one year. I never set anything up it was all done by them. I can not change or update ANY of MY OWN information because I don't have a log in to do it. I have contacted all Three by mail several times threw the years, I have tried emailing them, and I have tried calling. I have gotten no response from any of them and their customer service line is automated XXXX that has nothing to do with what is going on and no real way of talking to a real person. I have NO CREDIT and the information that is on my reports like I stated before are approx. 10 years old.
Consumer complaint received 2020-06-18
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. (MO)

All three credit reports have not been updated for 10 years. My information was sold by XXXX XXXX back in 2016 a lock/freeze was done to my credit and paid for by XXXX  for a period of one year. I never set anything up it was all done by them. I can not change or update ANY of MY OWN information because I don't have a log in to do it. I have contacted all Three by mail several times threw the years, I have tried emailing them, and I have tried calling. I have gotten no response from any of them and their customer service line is automated XXXX that has nothing to do with what is going on and no real way of talking to a real person. I have NO CREDIT and the information that is on my reports like I stated before are approx. 10 years old.
Consumer complaint received 2020-08-12
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. (IN)

XX/XX/2020, {$2100.00} was charged to my XXXX XXXX for XXXX   work. I did not have the card, my cards are in my safe deposit box. They had the number so they charged the account. On XX/XX/2020 I needed to make my payment, tried online with XXXX XXXX but it wouldnt let me because I didnt have the last 3 numbers on the back, so I called and they let me make a payment over the phone. He asked the card number and I said I didnt have my card, wasnt sure where it was. ( I am not irresponsible with my credit cards, as you can see my XXXX XXXX is in the 800 's ) He instruced me that he needed to note the account and would be sending a replacement card.. Before this call my credit score was XXXX, I received a notice from a Credit Protection company that one of my cards was stolen and if I disagree I was to fill out the dispute, which I did. on XX/XX/2020 I received a letter from XXXX XXXX ( XXXX XXXX ) that the lost or stolen card is put on my credit bureau for 2 years. I have truly lost another card of mine, that company NEVER did report me. As of today my credit score is XXXX, XXXX points!! If i can prove I have the old card will they remove this?
Consumer complaint received 2020-08-12
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. (IN)

XX/XX/2020, {$2100.00} was charged to my XXXX XXXX for XXXX   work. I did not have the card, my cards are in my safe deposit box. They had the number so they charged the account. On XX/XX/2020 I needed to make my payment, tried online with XXXX XXXX but it wouldnt let me because I didnt have the last 3 numbers on the back, so I called and they let me make a payment over the phone. He asked the card number and I said I didnt have my card, wasnt sure where it was. ( I am not irresponsible with my credit cards, as you can see my Credit score is in the 800 's ) He instruced me that he needed to note the account and would be sending a replacement card.. Before this call my credit score was XXXX, I received a notice from a Credit Protection company that one of my cards was stolen and if I disagree I was to fill out the dispute, which I did. on XX/XX/2020 I received a letter from XXXX XXXX  ( XXXX XXXX ) that the lost or stolen card is put on my credit bureau for 2 years. I have truly lost another card of mine, that company NEVER did report me. As of today my credit score is XXXX, XXXX points!! If i can prove I have the old card will they remove this?
Consumer complaint received 2024-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: All Debt Solutions Inc. dba: 1st Class Agency (AL)

This account was opened on XXXX XXXX XXXX. It has a balance of {$3400.00}. This I have no knowledge of this account, and I have no Idea where it came from. I was never notified of this collection. Whats more, this debt is fraudulent and not accurate.
Consumer complaint received 2020-06-18
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. (DC)

In reviewing my credit report I noticed a couple of discrepancies. Subsequently, I reached out to XXXX and inquired about the status of my loan during the time that the delinquencies were reported XXXX XXXX XXXX & XXXX XXXX ). Their correspondence to me confirmed my initial thoughts which were that my account was in forbearance beginning in XXXX of that year until XXXX of the same year, 2018. After receiving their correspondence I wrote to have the two delinquencies retracted from my credit history. Their response was that they would not remove the inaccuracies because the delinquencies occurred before the forbearance start date. However, as indicated in their previous correspondence my forbearance spanned from XXXX till XXXX and the inaccurate reporting occurred in XXXX and XXXX.
Consumer complaint received 2020-06-18
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 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 bankruptcies. 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 {$86.00} XXXX  XXXX XXXX {$1100.00}
Consumer complaint received 2022-10-31
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)

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 7 months to no available. I have been disputing this/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/2022 2022
Consumer complaint received 2020-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Perfection Collection (TN)

I setup an alarm service with third party dealer XXXX who worked with XXXX XXXX back in XXXX. Completed contracted time as of XX/XX/XXXX with written letter. the issue came XX/XX/XXXX when XXXX XXXX stated I owed a debt of XXXX. I never recvd any info from XXXX XXXX  states I owed them from XX/XX/XXXX to XX/XX/XXXX. However, they stated thats when the collection begin for approx XXXX on XX/XX/XXXX. XXXX XXXX  or perfection collection the debt collect stated ( reaged the debt to state the collection begin XX/XX/XXXX which is incorrect. This company has perform Financial defermation of my character. not to mention has commitment an illegal act on me. I have spoken with XXXX  who states the debt is approx 233 and the date the collection started was XX/XX/XXXX. eventhough I have never owe the debt to begin with it is now out of the statue of limitation of 7 years and MUST BE REMOVED
Consumer complaint received 2020-06-18
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: WASHINGTON FEDERAL BANK (CA)

I was attempting to refinance my home, when the Loan officer pulled my credit and advised my of this collection/foreclosure on my account. I have never owned a home until XX/XX/2019 and I have never had a mortgage with Washington Federal Savings.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

Today XX/XX/XXXX I went online to view my experian credit report. I found several errors still that have not been corrected. I tried submitting a dispute online for all the errors. After putting in all the information for each one I received a submission failed message. This is very fustrating. The first item on my report is 2 inquiries from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. My credit was ran only 1x not 2x. It's showing as 2 inquires which affects my score. Another inquiry is XXXX 's on XX/XX/XXXX which I did not do. I have a macy 's card for a few years now I did not apply for another card. Another inquiry is XXXX on XX/XX/XXXX again I have a XXXX card for a few years and did not apply for another card. Having these 3 inquires on my report is affecting my credit score in a negtive way. I am also disputing again I do not have 2 auto loans. I only have 1 auto loan with XXXX XXXX XXXX. It is still showing from XX/XX/XXXX an amount of over {$4000.00}. This was paid when I re-leased another vechile with them in XX/XX/XXXX. We are in XX/XX/XXXXI have leased 3 times with them already and there is no balance. Having this {$4000.00} auto loan show is also affecting my credit score as it is showing more debt than I really have. I could not reach experian through telephone to dispute all this again all I get is they are busy and if I want to order my credit report.
Consumer complaint received 2020-06-18
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX  XXXX XXXX {$1400.00} XXXX XXXX XXXX {$210.00}
Consumer complaint received 2020-06-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (WA)

We applied for refinancing with Quicken Loans back on XX/XX/2020. We uploaded every document in a timely manner and yet it has been over 3 months and they are still not able to close our refinancing. QL keep asking us to update same documents such as paystubs over and over again because it becomes unusable after 30 days. All of a sudden our agreed amount for our mortgage jumped up XXXX more. Thats when we were about to walk-away they assigned us " Executive Solution Consultant '' then he fixed it back to the agreed number but yet the numbers are keep going back up and they are not willing to explain to us where they are coming from. On top of it our Solution Consultant went on a vacation and we have not been able to get any of our questions answered. We have been pushed around 3+ people to figure out how and why our numbers have been changing. On top of it, they keep asking us to provide an Asset Account Liquidation, which refers to my retirement 401k account where there were no liquidation was done. They were simply having a hard time understanding the " Change in Value '' column the statement represents stock market fluctuation. They keep coming with back with same question so I had to ask my 401k provider to write a letter explaining what " change in value '' means to them. These people are supposed to know these things. They kept removing important documentation after we complained, and explaining it on the phone incorrectly, giving us nothing to reference. Lastly, we reached out to the CEO through email asking for help. After that we got a mystery phone call set-up. When we asked who it will be with, got no answer. So we waited 2 weeks for the call and the day of the call and the time that was set-up by the company. No body called! It's XX/XX/2020 and our refinancing is still not closed.Now they added " the loan is currently set up to give you approximately {$1900.00} in cash back at closing '' This is something we never asked or requested. They keep trying to add things to raise our total amount of our loan so they can get more interest rate from it. This whole process caused a lot of anxiety and stress in our family.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (CA)

There are inquiries from XXXX XXXX ( XX/XX/2020 ), COMENITYBANK/VICTORIA ( XX/XX/2020 ), & XXXX XXXX XXXX XXXX XX/XX/2020 ) that I do not recognize nor did I authorize.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There are inquiries from XXXX XXXX ( XX/XX/2020 ), XXXX ( XX/XX/2020 ), & BK OF AMER XXXX XX/XX/2020 ) that I do not recognize nor did I authorize.
Consumer complaint received 2020-08-12
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. (MS)

LOOKED AT MY CREDIT REPORT AND NOTICE INFORMATION WAS LISTING ME LIVING IN XXXX, TN AND ACCOUNTS OPEN AS WELL MY INFORMATION MUST BE APART OF A DATA BREACH CAUSE I LIVE IN XXXX, XXXX XXXX ACCOUNTS DO NOT BELONG TO ME.