davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (IL)

It states on my credit report that the account is closed but it is still reporting negative payments. It states that there are XXXX charge offs on this account! XXXX is still reporting negative inaccurate information. The account is closed so how is that fair they get to keep reporting negative charge offs? It is still reporting as of XX/XX/2020. Its written off and still reporting negative.
Consumer complaint received 2022-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXXACCOUNT # XXXX WHY is account reporting different dates of last activity, different dates that the account was opened and different dates of last activity as well as a past due of amount of {$4300.00} all are being reported inaccurately by the provisions of the Fair Credit Report the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 compliance regulations, I have a right to a fair and accurate credit report, and you are to remove any information that is not true, accurate and compliant. Under the law FCRA USC 15 1681 EACH ALL UNPROVEN, INCOMPLETE, UNTRUE, INACCURATE INFORMATION MUST BE PERMANENTLY DELETED.
Consumer complaint received 2022-03-28
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)

Hi I am submitting this XXXX XXXX  XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im depressed now.
Consumer complaint received 2020-06-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (NC)

On XX/XX/XXXX I received a credit alert stating I had new delinquency reported by phoenix financial as a new debt and delinquency. The amount was for {$500.00} and was originally opened in XX/XX/XXXX. I didn't know who the company was or what the debt was. I contacted the company and spoke to rep who told me the debt was a medical bill from XXXX. I ask him why they reported the debt as a new debt that was 120 delinquent and he had no answers. The only thing he keep saying was I could pay it and they'd stop reporting it. My understanding is that a debt acquired by an agency couldn't then be " renewed '' as a debt that just recently happened. If they would have reported the debt as originating in XXXX I would have no issue but I feel they are doing this to try to pressure me into paying an old debt.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

There are two credit agencies I am reporting. I have tried to solve the matter with Equifax but have not gained a resolution. I have attempted to notifiy XXXX XXXX but haven't received a call back. On XX/XX/XXXX I went to purchase a car at XXXX XXXX in XXXX County ( XXXX, Georgia ). Iwas not able to get proper fiancing. The car was purchased at a high interest rate and then the monthly payments were also way to high for a XXXX vehicle. The information reported from theses two credit agencies is incorrect. # 1. XXXX reported that I had a XXXX creidt score. None of the other agencies have reported this score. The information they provided in the report is also incorrect. 
# 2 Equifax reported that I have several delinquent accounts and when I called to speak with the representative she told me not to worry about it. This was her way of resolving the dispute. I have maintained my credit score over the years and should have been able to walk off that car lot with a brand new car. Based on the information provided by these two agencies I am wondering if this is the reason I was scammed into purchasing a XXXX vehicle for {$21.00}, XXXX. I did not need them to give the car dealer any information that would hinder me from being successul. I check my credit report with Equifax weekly and it is a XXXX credit score. I have no outstanding delinquencies reported with XXXX, Equifax, nor XXXX. How does XXXX have such low score and noe of the rest of these agencies have that score. It is a shame not to be able to get a credit agency to provide accurate information when you have worked so hard to maintain good credit. Car dealers are already waiting to scem you when you walk on that car lot if they don't have the heart of Christ and they're only concerned about making a profit. I made a bad decision in getting the car but I was told my selection all depended on my credit history. Sadly to say, it wasn't reported correctly.
Consumer complaint received 2020-04-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Experian has been reporting an collection account with XXXX XXXX XXXX SERVICES XXXX, which does not belong to me & experian refuses to investigate this account that does not belong to me & under fair credit reporting act any information that is incorrect must be deleted immediately. 

secondly another account with XXXX loan servicing XXXX is showing 2 times 30 days late in XXXX & XX/XX/2014, which is not correct as the payments were made on time and experian refuses to correct that as well.
Consumer complaint received 2022-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This is fraud I did not agree nor did I sign any agreement nor did I have knowledge nor did they have any usage of their card by me. I was put on as a user and or a card holder not by me with out my permission and or knowledge. all or most all of the companies are playing a game called XXXX XXXX XXXX After contacting them and asking for a copy of ( agreement, video of using their card showing the person accused of the debt I got the run around. Then the debt is sold off to a debt collector then to another with out given them any info of whom the card belong to. In Florida a spose is not responsible for their spouses debt.! But what do they care all they see is a target once they have the law on their side theirs nothing you can do but pay.!
Consumer complaint received 2023-01-04
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. (PA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

15 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 

I demand that the following account be validated or DELETED immediately : account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2020-06-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (PA)

In XXXX i contacted Santander about my auto loan account. I have the 1099C form that shows the account was discharged in XXXX. They continued reporting on this account since that time. In XXXX it was showing up on my credit report so i contacted them again and they stated i needed to pay {$750.00} to take care of the account. I now have a 1099C form with the same account number and everything for this as well. I reached out them recently about this as they are double collecting on the same account and they are refusing to refund the {$750.00} that i paid them in XXXX.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc. (CA)

I have an AVANT credit card.I call every month during the first few days of the month and I ask for my entire balance .When I receive the amount from the customer service representative, I pay that amount. I pay in full each month. On XX/XX/XXXX I called and was given an amount of XXXX, which I paid in full. ( KEEP IN MIND A MINIUM PAYMENT WOULD BE XXXX ). On XX/XX/XXXX, I called Avant and was immediately asked if there was something going on in my life which caused me to be late in XXXX. I was shocked because I know I paid this account on time and in full.The account is due on the XXXX of every month however I pay between the XXXX and XXXX of the month, ( early ) .I asked the representative to please check the account because I was not late and paid XXXX. She checked and told me the XXXX was paid and on time but there was XXXX that was left as a balance. She discovered that in XXXX my whole balance was XXXX not XXXX. I then ask her how it is considered a late account when I paid XXXX the XXXX would be carried to XXXX She could not explain why it would be considered late.I then discovered a late fee of XXXX was added to my account for the XXXX. The company did reverse that however on my credit report they hit me with a notation of lowering my credit limit which effected my score. I have had identity theft in the past and i am trying to build my credit.this is wrong and totally the companies fault.They attempted to charge me falsely and lowered my credit limit as if I didn't pay on time, it effected my score. This is fraudulent practice. I CAUGHT IT this time.This company should be investigated for illegal practices to there customers.What can you do?
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am Writing to you to express my deep concerns over the fraudulent account on my consumer report. I was shocked to learn that I was a victim of Identity Theft, which has caused a negative impact in my credit history and on my financial wellbeing. This has been hurting me as I am in the process of purchasing a home for me and my family. I am Emotionally distressed and need these fraudulent account to be remove within four days of receipt.

Name and Account # XXXX. XXXX XXXX
Consumer complaint received 2022-11-05
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: EQUIFAX, INC. (MD)

After several attempts sending dispute letters and calling all 3 major credit reporting agencies to remove these hard inquiries to no avail they still remain on my credit report XXXXXXXX XXXX XXXX  dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, XXXX XXXX  dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX  dated XX/XX/XXXX, I am writing to you because you reporting the above inquiries on my report that I DO NOT recall please provide proof I applied for credit with these creditors, If you can not provide such information please permanently delete all inquires listed above from my credit report
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (NY)

I disputed all late fees and interest charge for XXXX XXXX  XXXX by Barclays US which was reversed back in XXXX and my account had overpayment of {$75.00} balance ( surplus ), which they sent me check for later. BR/Barclays US put a delinquency/late payment history on my credit report and did not remove it. I disputed the report with XXXX and upon providing screenshot and uploading the statement records showing that all fees have been reversed as such the report need to be corrected. However, XXXX still did not remove or correct the delinquency, despite disputing multiple times, and as per their statements, XXXX XXXX refuse fix or correct the delinquency/late payment history, provided that all fees has been reversed. I have contacted Barclays customer service line in XX/XX/XXXX, XX/XX/XXXX to fix these and again XX/XX/XXXX XXXX EST to XXXX EST to inform them of the issues. However, they refused to help or resolve these issues. XXXX the account manager refused to even answer/admit fees were reversed, and when I pressed him further he did so unwillingly. Then, I requested his title and his name correctly, he refused to provide those information and then put me on SILENT and eventually hanged up thereafter. This seems to be a new pandemic systematic tactic being used by Credit Card company to adversely undermine consumer credit scores and then charge higher interest rates and late fees on the account. Upon doing so, they make it nearly impossible to difficult to fix or correct the problem causing severe XXXX, XXXX and mental health issue. 

I called XXXX XX/XX/XXXX at XXXX XXXX EST. spoke to experian rep XXXX and as per our conversation, the rep stated that BARCLAYS BANK continue to provide them with the old information and not the most current which showed or shows statement of all fees being reversed. The rep also went further stating that BARCLAYS BANK has done this several times upon disputes and she will once again put in another dispute with Barclays to fix this issue. 

XXXX STATEMENT : Report Number XXXX XXXX XXXX REP XXXX .... 

We are responding to your request to verify item ( s ) on your personal credit report. We have previously processed this dispute and the credit grantor has verified its accuracy. Please refer to the personal credit report you received for the name, address, and phone number ( if available ), of the credit grantor who verified this information.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, my name is XXXX XXXX and this is my third attempt to mediate this current dilemma. I have attached my exhibits and identification for your review. I look forward to your prompt attention.

Coronavirus Aid, Relief full Accommodation was not applied after i was promised.. 
XXXX XXXX XXXX/ XXXX CREDIT CARD XXXX XXXX XXXX Attn : XXXX DISPUTE ACCOUNT # XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

I have contacted this company since I paid off my Car in XX/XX/XXXX Car was paid in by me it says 4 charges off on my you can't have charged off for a car that's paid off along with showing late payments on one account from XX/XX/XXXX until XX/XX/XXXX of my account and on the other credit agency there are remarks saying that my account is paid off and having remarks saying charge off and collection you can't have a charge off and collection and paid off all at the same time. They refuse to remove these inaccurate remarks off my account so I ask that this account removed from all 3 credit agencies this company has called my credit profile to be effected and me to be turned down for getting credit for other lenders because of this and it is totally wrong and they should not be able to violate my consumer rights and continue to keep these negative items on my credit report. please have them to remove this.
Consumer complaint received 2015-07-02
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (IL)

My wife opened a TJMax credit card sometime XX/XX/2012 in order to save 10 % on our purchase goods., so we open the card at a 12.24 % rate on XXXX of 2012 they sold their credit company to a new bank called Synchrony Bank after that they jump our rate to XXXX $ %! I just call in and ask what my options were and they said that they did that to all customers Acc. I ask what they could do to lower my rate back, and said their was nothing they could do! Please help me to get my rate back to what we agreed upon or some form of help!
Consumer complaint received 2024-02-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (MI)

1. Violation of 12 CFR 1006.34 ( b ) ( 5 ) : The communication failed to provide clear and accurate information regarding the debt, including the original creditor, the amount owed, and the options available to dispute the debt.

2. Violation of 12 CFR 1006.34 ( C ) ( 4 ) ( I ) : Credence Resource Management engaged in unfair practices by attempting to collect a debt that was not properly validated.

3. Violation of 12 CFR 1006.34 ( d ) : Credence Resource Management failed to provide adequate verification of the debt within the stipulated time frame. As per the regulations, upon receipt of a validation request, the company is obligated to cease collection activities until the debt is validated. However, Credence Resource Management continued its collection efforts without providing proper validation.

4. Violation of 15 USC 1681-S 2 ( 7 ) ( A ) : Furthermore, Credence Resource Management violated the Fair Credit Reporting Act by inaccurately reporting the debt to credit bureaus without first validating its accuracy. This action has resulted in unjust damage to my credit report and reputation.

These violations not only infringe upon my rights as a consumer but also demonstrate a blatant disregard for the regulations set forth to protect consumers from unfair debt collection practices.

Therefore, I demand that Credence Resource Management immediately cease all collection activities related to the aforementioned debt and remove any negative reporting from my credit file until the debt is properly validated. Additionally, I request a written confirmation of the cessation of collection efforts and the removal of any derogatory information from my credit report.