davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-09
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. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-02-04
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. (AR)

This is XXXX XXXX and I am submitting this CFPB Complaint to request that the disputedf accounts and information be immediately removed from my Credit File. My credit report contains a significant number of unauthorized requests, as well as fraudulent reporting of accounts and Information. I can tell that someone has stolen my identity. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of accounts and information that resulted due to my identity being stolen ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXXXXXX XXXX  XXXX XXXX Opened XXXX XXXX, XXXX Balance {$15000.00} XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$850.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$11000.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$200.00}. In accordance with the Fair Credit Reporting Act section 605b, I am requesting that you remove the disputed accounts and information off of my Credit File.
Consumer complaint received 2020-02-01
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 (CO)

Discover Credit Card Company has been charging me a " Discover Payment Protection '' fee service in which I never authorized for or was aware of. I did call them and they cancelled it moving forward and I disputed the previous charges, in which they said they can only refund the past 6 months as a " courtesy '' and " do their best to make me aware '' of the service. I am not really sure what that means since I didn't know it existed and don't have any communication of it. I feel like I was robbed as I would never authorize to pay such an amount every month without opting for it, and I am not even sure how it was included or what the service actually is. 

Here are the itemized amounts I paid and did not authorize since XXXX.This does not include the additional interest on the balance that I certainly would have been charged as well. 

Grand Total - {$2400.00} XX/XX/XXXX - {$77.00} XX/XX/XXXX - {$77.00} XX/XX/XXXX - {$79.00} XX/XX/XXXX - {$79.00} XX/XX/XXXX - {$79.00} XX/XX/XXXX - {$79.00} XX/XX/XXXX - {$78.00} XX/XX/XXXX - {$80.00} XX/XX/XXXX - {$78.00} XX/XX/XXXX - {$77.00} XX/XX/XXXX - {$74.00} XX/XX/XXXX - {$75.00} XX/XX/XXXX - {$73.00} XX/XX/XXXX - {$70.00} XX/XX/XXXX - {$70.00} XX/XX/XXXX - {$69.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$64.00} XX/XX/XXXX - {$63.00} XX/XX/XXXX - {$60.00} XX/XX/XXXX - {$63.00} XX/XX/XXXX - {$59.00} XX/XX/XXXX - {$52.00} XX/XX/XXXX - {$52.00} XX/XX/XXXX - {$52.00} XX/XX/XXXX - {$51.00} XX/XX/XXXX - {$51.00} XX/XX/XXXX - {$42.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$32.00} XX/XX/XXXX - {$29.00} XX/XX/XXXX - {$29.00} XX/XX/XXXX - {$21.00} XX/XX/XXXX - {$28.00} XXXX XXXX {$28.00} XX/XX/XXXX - {$20.00} XX/XX/XXXX - {$14.00} XX/XX/XXXX - {$11.00} XX/XX/XXXX - {$12.00} XX/XX/XXXX - {$2.00} XX/XX/XXXX - {$1.00} XXXX XXXX {$1.00} XX/XX/XXXX - {$2.00} XX/XX/XXXX - {$2.00} I have been loyal and been making my regular payments since XXXX when I became a customer. It makes me sad that this has been done to me. 

Thank you.
Consumer complaint received 2018-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Coradius International LLC (CT)

American Cordius International LLC claims I owe XXXX to XXXX, this account was closed with numerous overdraft fees charged which are in dispute, XXXX would not resolve them. The fees in question were charged after an item was returned, a check in the amount of XXXX from XXXX XXXX. XXXX XXXX placed a stop payment on the check in error, the item caused XXXX account to become overdrawn and fees charged. Stop payment is not my error, however, XXXX refused to credit fees back. Shortly after account was closed with overdrawn balance, a payment was mailed in form of cashiers check from XXXX XXXXXXXX XXXX to XXXX. It appears it was not received and do not have a copy of check to provide, the account it was drawn from is not mine. My bank is not local and had to use XXXX XXXX for payment, a friend used her account to get cashiers check. It appears XXXX did not receive check or possibly credited it to incorrect account, I do not know which occurred. I will not pay again, American Cordius International needs to remove account from collections as well as any credit reporting agency.
Consumer complaint received 2019-06-11
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. (NM)

Please reverse the late payments reported on the following accounts : XXXX/XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2018-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (CA)

Received letter in mail, stating that if I did not respond that they would automatically assume I am admitting to a debt in which I do not..have received letters about an apparent debt to XXXX XXXX XXXX for years now. I have always written to them or answered phone calls and asked them to stop harassment, that I do not owe a debt, and I even called XXXX XXXX XXXX to resolve this issue and they refused to speak to me about the matter stating that I must talk to the debt company ( XXXX XXXX XXXX customer service agent then continued to sign me up for a new plan with them ). I have been an XXXX customer for I believe to be over 10 years now. The letter never states times of supposed debt..but I can tell you that I have had nothing to do with XXXXXXXX XXXX XXXX for a very long time.
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I noticed your recent settlement with Bank of America concerning delivery of unemployment insurance through prepaid debit cards. I was eligible for unemployment insurance in New Jersey and was unable to access the funds using the Bank of America card and Bank of America was not helpful in resolving the issues. 

How do I go about ensuring my name is added for review as one of the people eligible to receive prior unemployment insurance I should have otherwise received? I've tried contacting Bank of America and their XXXX numbers do not know what I am talking about. 

Thank you in advance for your assistance.
Consumer complaint received 2020-07-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Levy & Associates, LLC (OH)

XXXX XXXX Credit card paid off on XX/XX/XXXX. Was taking out loan with XXXX XXXX XXXX and this debt had to be paid in order to get loan. Therefore the amount of XXXX was paid to resolve this outstanding debt. Unfortunately a XXXX XXXX approx XX/XX/XXXX rcvd. Account records sold to them This is where the injustice bean!!! I have attempted to reach them throughout the years to no avail. Now I find out reason is it was turned over to so.e XXXX XXXX ( yes I just spoke with them ). And then on XX/XX/XXXX got court order frl. Levy and Ass. To appear in court. I have been paying XXXX a month to Levy for 2 yrs. I now found printed evidence from XXXX XXXX that this debt was paid!!! I made copy and sent certified mail! They say isn't enough proof! I have contacted all involved and they pass the buck. Levy was.not even aware of XXXX XXXX. Therefore XXXX XXXX was not even one ta! ing me to coudt.
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (FL)

I have submitted disputes to you and I did not get a response within 30 days and you all are required by Law to do so. Please investigate my disputes. Please. Thank you
Consumer complaint received 2022-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

Collection is not from original creditor. I.C. SYSTEM, INC at XXXX XXXX XXXX XXXX XXXX, XXXX. Has been sending me collection notices in the amount of {$960.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2023-07-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion verified the XXXX XXXX XXXX account was reporting XXXX0 Days Delinquent in XXXX. However, I have a letter from XXXX XXXX Bank that the delinquency was removed. I have attached a screen shot of the reporting status and a letter from XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to address a matter of significant concern regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that is appearing on my credit report. Despite my best efforts, I have been unable to verify why this account is reflecting on my report. This situation has not only caused me undue stress but has also resulted in denials and questioning of my credibility by lenders. It is imperative that this issue be rectified immediately. I demand a thorough investigation into the legitimacy of these accounts and request solid proof that they indeed belong to me or were initiated by me. Without such evidence, I insist that these accounts be removed from my credit report without delay.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I urge you strongly to address and rectify the unauthorized accounts that have appeared on my credit report. These entries are negatively impacting my creditworthiness despite my lack of association with them. Please ensure their swift removal and take preventive measures to avoid similar errors in the future.
Consumer complaint received 2022-03-09
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. (NY)

I had call Experian several times at XXXX to dispute an account that do no belongs to me, I had asked XXXX to validate the " collection '' account to neither none of those companies has provide a valid evidence that the account belongs to me, all i have heard from Experian the only credit report company reporting the collection is that XXXX says the account should remains on place but havent never provide me any evidence that the account belongs to me or was open by me. 

this has been for over a year already and i never get any validation, I am requesting XXXX and EXPERIAN to remove the account since it does no belongs to me. 

They asking me to place a police report i had been to the police but there is not a single person i could report because i do really no know who opened the account and
Consumer complaint received 2020-02-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/2020 at XXXX XXXX  XXXX XXXX from midland credit management called a thirds party relative regarding four ( 4 ) credit card accounts they have in collections. He disclosed the amounts owed and to whom they are owed. This relative is not authorized on any accounts and has no knowledge of these accounts. This is not acceptable and is a violation of fair debt collection practices.
Consumer complaint received 2018-08-13
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: Bonneville Billing and Collections (CO)

this is not my debt it belongs to my sister who has a ssn one number off from mine, furthermore the orignal opening date would have been on XX/XX/XXXX not XX/XX/XXXX that was when her account was originally opened, the dates and the amount is listed fraudulent on my credit report with XXXX and XXXX, XXXX  has already removed it
Consumer complaint received 2018-08-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (PA)

I applied for a mortgage and found an account from XXXX XXXX on my credit. I never got any collection letters from them giving me the right to dispute the debt. So i sent a dispute letter certified mail to them on XX/XX/2018. Never got a response. Than i sent another letter to them again certified on XX/XX/2018. Still never got a response. They think that because i am a XXXX XXXX  living in this country that i do not know my rights or how to enforce them. I am having an attorney review this case to sue them for not doing their legal job and violating my rights.
Consumer complaint received 2020-01-29
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: GOLDMAN SACHS BANK USA (FL)

In XX/XX/XXXX, XXXX  GOLDMAN SACHS BANK USA completed a credit inquiry. Upon contact Goldman Sachs, I was told they opened a Apple account in my name/social security number. I notified all that I did not open this account, it was fraudulent and was assured by GOLDMAN SACHS BANK USA that it was closed. At this time, I also locked my credit on the 3 services. 

In XX/XX/XXXX, XXXX notified me that an account was opened via GOLDMAN SACHS BANK USA. I notified all that I did not open this account, it was fraudulent and was again assured by GOLDMAN SACHS BANK USA that it was closed. It did sound like they used the information from the XXXX inquiry to open the account. 

In XX/XX/XXXX, XXXX  notified me of a Delinquent notice on my account by GOLDMAN SACHS BANK USA. Goldman basically said they could not do anything. They did say that since I reported the 2nd fraudulent account in XXXX, it would take until XXXX before the credit bureaus were notified and the delinquent notice should be removed once they were notified.
Consumer complaint received 2018-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (CA)

Received letter in mail, stating that if I did not respond that they would automatically assume I am admitting to a debt in which I do not..have received letters about an apparent debt to XXXX XXXX XXXX for years now. I have always written to them or answered phone calls and asked them to stop harassment, that I do not owe a debt, and I even called XXXX XXXX XXXX to resolve this issue and they refused to speak to me about the matter stating that I must talk to the debt company ( XXXX XXXX XXXX customer service agent then continued to sign me up for a new plan with them ). I have been an XXXX customer for I believe to be over 10 years now. The letter never states times of supposed debt..but I can tell you that I have had nothing to do with XXXX XXXX XXXX for a very long time.
Consumer complaint received 2018-08-13
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I complained to Capital One credit card company via ( telephone and later formal dispute ). I received two different responses on the same day ie ; XX/XX/2018. I called into customer service on several occasions asking someone to to a complete investigation into my complaint including reviewing telephone notes from each time I called in to address the " late payment '' accusations each time. As I continue to say ; This account was supposed to be set up on Auto Pay. AND at the time of me first opening this credit I was out of state. 

I was told by the many different customer service reps that the problem was not caused by me and it " the auto problem '' will be fixed. That is why each time the service fees were reversed. 

After I became aware that the problem would not be fixed. I immediately made payment to correct/ lower the balance. Again, I was under the impression the account was set up for automatic payment deduction each month. I was also under the impression at that time when the account was first open, -- -- that the account would be investigated and corrected and I had nothing to worry about. To LATER FIND OUT that nothing was changed/investigated/updated. I called plenty of times to address this with multiply customer service agents/reps. Please note that the only time I received a letter is a result of filing a dispute with the credit bureau and than following up with two different supervisors. I am not trying to be ungrateful or spiteful. However, this is not fair the way I am being punished for the company not correcting its payment acceptance. I can not rent an apartment or get a job because of this reporting. Please consider making an adjustment for me .... Thank you.
Consumer complaint received 2018-08-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (FL)

I received a call from " Unknown Caller '' Stating the I am going to be summons to court if I don't pay a debt to USBANK of {$760.00} from a checking account that has been closed since 2009. They stated they were a litigation subcontractor for XXXX XXXX XXXX. They would never give me the name of the there company but gave me the address. 
XXXX XXXX XXXX. 
XXXX, CA XXXX XXXX. 
Spoke with XXXX but she would not give me her last name. This company has called at least 10 relatives to tell them that I have a summons against me. I spoke with USBANK and they have no record of debt to my checking, savings, or my unsecured loan which all have a {$0.00} balance. XXXX also, said that I have until the end of day to satisfy payment. I think this is another scam that is trying to make people pay debt that doesn't exist. Please help me crack these people and put them in there place.
Consumer complaint received 2018-08-13
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: EQUIFAX, INC. (IL)

As a result of MULTIPLE previous disputes with Equifax, the XXXX account on my credit report was updated to " included in bankruptcy. '' However, since this bankruptcy was filed on XX/XX/XXXX, the reporting time has expired. FCRA guidelines dictate that accounts included in a Chapter XXXX bankruptcy can only stay on a credit report for 10 years from the date of filing. Therefore, this account should have been COMPLETELY removed on XX/XX/XXXX. However, it is still on my report showing as " included in bankruptcy. ''
Consumer complaint received 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

As of XX/XX/2017 public records items were " deleted '' from my report ( see enclosed doc ). The items have been added back to my report in violation of FCRA regulations. Please remove items an take the necessary steps to prevent them from returning ...