davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (MN)

In the first week of XX/XX/2019 Bluebird by American Express ( Amex prepaid card service ) informed me that they would be closing my account and they mailed me a paper check for XXXX dollars. A few days later i lost the psper check and called the mid XXXX to ask if they could void that check and reissue one. The first time i called customer service transferred me to " account protection '' which then hung up on me. I tried again the next day in mid XXXX and spoke to a woman in account protection who told me she had to send my request to the " back office '' and that i should get an email telling me the next steps to take but that she could not give me any kind of time line for this process. 
It has now been almost one month since that phone call and i have not received any emails or any further communication from Bluebird by American Express. 
I sent their headquarters a written request, i filed s complaint with the MN attorney general and i filed a complaint with the XXXX. The attorney general told me to file a complsint with this agency as well. 
So far i hsve not heard of any responses by the company to either the Attorney General or XXXX.
Consumer complaint received 2019-05-08
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)

On XX/XX/XXXX I submitted a complaint with the Consumer Financial Protection Bureaus website to get assistance in correcting this information and Trans Union added more fraudulent addresses for out of state. Now I am submitting an additional complaint and hope this can be expedited so that I can be done once and for all with this. On XX/XX/XXXX I paid {$20.00} for a certified letter to Trans Union containing a signed and notarized document, notary certificate and a Identity Theft Affidavit. On XX/XX/XXXX I received confirmation that Trans Union received my certified letter and it's contents. As of XX/XX/XXXX, I paid the credit monitoring website, XXXX a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Trans Union is still on my credit report. There are fraudulent/invalid addresses which are not mine. I have lived at my current residence in XXXX, Ca for over 10 years ( Since XX/XX/XXXX) and I have never lived out of state. On XX/XX/XXXX, I paid an additional {$24.00} to my credit monitoring account to refresh all three bureaus and noticed Trans Union added more out of state fraudulent accounts and an unauthorized inquiry also. I contacted Trans Union directly and they advised they were unable to help with anything at this time. The level of professionalism was unacceptable as a consumer and now I am writing to the CFPB for assistance once again.
Consumer complaint received 2018-04-04
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. (AL)

I spoke with XXXX XXXX in XX/XX/XXXX to try to resolve an issue with several derogatory late payments from XX/XX/XXXX-XX/XX/XXXX that are being reported to the three major credit bureaus. I mailed my payments for XXXX XXXX on time. I normally do not mail payments, but because XXXX XXXX was confusing my XXXX XXXX debit card with my XXXX XXXX credit card, I decided to mail in the payments so there would not be any confusion and I could make sure that the account was paid in full and on time. I've attached a copy of one of the checks that was transferred to ACH by XXXX in XX/XX/XXXX, which is one of the months that is marked as derogatory. I spoke to XXXX XXXX about resolving this and they explained that they could not remove any errors unless it was their error. As you can see by this one example attachment in XX/XX/XXXX, the error was on their end.

I have disputed this information with the three credit bureaus and they have not removed the incorrect information.
Consumer complaint received 2023-04-07
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. (PA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately.
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (TX)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.
Consumer complaint received 2019-10-02
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. (PA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-10-02
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. (GA)

Hello. I was the counter at XXXX 's applying for an ln-store line of credit and was denied because of things being reported on my credit report I signed up for an online credit service and discovered Items on my credit that I have no Idea what they are. I'm not sure how my information got Into the hands of someone else, this fraud and I calle the police. Also now had contact with FTC. I'm now contacting you all. Please help me. These are the items that are not mine and I'd like them removed please. XXXX, XXXX, XXXX.
Consumer complaint received 2023-04-07
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. (SC)

Accounts : XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX Account # XXXX SXXXX : Account # XXXX XXXX XXXX XXXX : Account XXXX XXXX XXXX XXXX : Account # XXXX XXXX : Account # XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act by both physical mail and online disputes along with providing them with documentation to support my claim. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on about this topic. 

The credit bureaus have no respect for the laws or its consumers. 

Someone needs to hold them accountable for this.
Consumer complaint received 2021-04-01
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (FL)

THEY CALL ME ON MANY OCCASION WITH MANY DIFERENT NUMBER EVEN USING SPAM THEY KEEP CALLING ME THIS ACC WAS CLOSE CHARGE OFF SINCE 2015. THEY ALSO CALL ME AGAIN I TOLD THEM WITH COVID 19 DONT HAVE NO MONEY STOP HARRSING ME OR CALLING ME. THIS WAS A SETTLED AND THE ACC WAS CLOSE CLOSE THIS ACCOUNT ALSO MY INFORAMTION WAS SHARE WITH OTHER COMPANY NEEDTO RESPECT MY PRIVASY HIPPA LAW
Consumer complaint received 2019-05-08
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. (GA)

Hello and I went to my bank to try and get a loan to go back to school. My banker told me that they could not give me the loan at the time because of my credit. I pulled my credit and there are some stuff on there that is not mine. Please remove them from my credit report so I can go back to school and make a better life for my family. I've contacted the FTC and my local police. I'm doing this on my own. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (TX)

I had recently went through a divorce in which took on all of the debt and was falling behind on funds. So I recieved a spam email about Global Client Solutions and how they could help with negotiating with XXXX XXXX and XXXX. I was intrigued by what they claimed they can do so I replied to the email and a " Case Manager '' called me back. She told me that I could pay off my debt in just a few payments and I wanted the debt taken off quickly bc I was really going no where with XXXX XXXX, so I negotiated a {$530.00} +/- {$10.00} per month. So 4 months into the terms I called to verify how much funds were in the " Savings Account. '' And she told me {$800.00} and some change. I thought it was odd that I had paid over 2k and only {$800.00} was in the account, well I made 2 more payments, and called after my 6th payment to  them and when they told me {$600.00} I felt defeated. I paid over {$3100.00} and only have {$600.00} to show for it. I am so broke right now, was looking for help and these people scammed me out of money that could have paid off my debt. I am -negative {$700.00} right now in my bank account, morgage and car notes are over due, and I have been scammed by this company. I'm writing because I cant be the only person who has complained about this and I need some help. I initially had 2 credit card debts that they handled, but ended up negotiating with them on the 4th month bc I was scared of XXXX taking me to court for $ XXXX. Do you know that I have almost paid the debt off by negotiating with XXXX on a bottom cost and payment plan. I was delt some pretty crummy cards and was looking for a financial relief company for help and this company practically robbed me out of the little money I had.
Consumer complaint received 2018-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

Equifax has been non-compliant with removing the unverified account XXXX   XXXX XXXX XXXX has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2023-04-07
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. (FL)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an inaccurate collection account that has negatively impacted my ability to start a real estate business. I am seeking full compensation for the potential money lost, as provided under U.S. Code 1692k and 1640.

As per the Fair Debt Collection Practices Act ( FDCPA ), codified under U.S. Code 1692 et seq., I have identified several inaccuracies in the collection account reported by [ Name of Collection Agency ]. The inaccuracies include incorrect dates, amounts, and other details that are not reflective of my actual financial history. These inaccuracies have had severe repercussions on my credit score and have prevented me from obtaining financing and pursuing my entrepreneurial aspirations.

Furthermore, the Fair Credit Reporting Act ( FCRA ), codified under U.S. Code 1681 et seq., requires that information reported by credit agencies, including collection accounts, be accurate and verifiable. The inaccurate collection account has violated my rights under FCRA, causing significant harm to my creditworthiness and financial prospects.
Consumer complaint received 2019-05-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Oracle Financial Group LLC. (TX)

A man by the name of XXXX XXXX with a company named Oracle from phone number XXXX calls my cell and several numbers at my work leaving messages that he is trying to reach me regarding a legal matter which is causing my supervisor to be concerned. I returned his call and told him I can not receive calls at my work, that the account he is calling me about is not mine and for him to please stop calling me. He continues to call and leave messages. I can lose my job if this continues.
Consumer complaint received 2023-04-07
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. (NC)

On XX/XX/2023 Mortgage loan with XXXX XXXX  was paid off in full in the amount of {$180000.00}. This amount was confirmed and received on XX/XX/2023. Lender has not accurately reported this information in a timely manner to the credit bureaus.
Consumer complaint received 2019-10-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (AL)

My wages are being garnished for auto loans that I owed {$8000.00} and some odd dollars They said that grow up to {$4000.00} more than the original amount I have paid {$10000.00} and just about finished paying the amount that they garnished me for but they are saying that its accumulating more interest and that they can keep charging more money
Consumer complaint received 2019-10-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Social Finance, Inc. (TX)

I previously opened an installment loan with Sofi ; that was paid off. Sofi then proceeded to add an investment and checking account to my profile.I did not ask for these accounts. As a result, my tax filings are much more complicated. My accountant is charging me a higher amount of money to complete filings. 

I need Sofi to close these accounts and reimburse me for the extra costs I have incurred for accounts I did NOT authorize to be opened. 

CLOSE my accounts. I am DONE with my business with you and I was DONE when I paid off my loan!
Consumer complaint received 2019-10-02
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. (GA)

I applied for a car loan online and was denied. I thought it was a mistake because I've always paid my bills on time. I spoke to someone at the lender 's customer service and he told me I had delinquent accounts. I was confused and went and pulled my credit report To my surprise I saw several things on my report that were not mine. Before reaching out to you all I contacted the police and got in contact with the FTC. I need these items deleted. XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2021-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas) (NJ)

Someone opened a XXXX account using my name last fall at an address that was not mine. XXXX asked XXXX XXXX  debt collection agency to collect. They called me none stop. I finally answered & we agreed the address of the service was not my address. Then another collection agency Berlin Wheeler started putting derogatory info in my credit history, but they never contacted me. I opened a case via XXXX  They are working on it. Berlin wheeler sent a form for me to fill out that wanted so much personal info they would be able to steal my identify. I did not complete that form.
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (NY)

I have been a customer with Sears CTI credit since XXXX always paid on time without any missed payments. My Account # XXXX XXXX XXXX XXXX was used as auto pay online on various accounts. All of a sudden last XXXX my account was closed. I called Sears credit card and they said I actively cancelled my account and could not reopen. I told them I did not close it and was a customer for a very long time with XXXX XXXX credit limit. They said sorry I closed it. I then asked for proof a recording or some other means proving my closure and they were unable to provide any. I feel they are hiding some sort of information since they can not prove my account was closed. 
Called XXXX 's Spoke to XXXX # XXXX representive on XX/XX/XXXX and she said case closed. 
There is discrimination here and they would not admit to it.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (FL)

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written non-written verbal non -verbal per 15 US Code 6802 as of XX/XX/2024 XXXX
Consumer complaint received 2019-10-02
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. (CO)

XXXX  ; XXXX and Transunion are reporting incorrectly on the LOANCARE - account number XXXX. ( Please see page attached from my credit report. ) This account has since been transferred. I filed for Chapter XXXX bankruptcy in XXXX and it was discharged in XXXX and I was released from the note on the property so this account should be reporting a {$0.00} balance as it was included in the bankruptcy. However, my ex-husband re-affirmed the loan and it was sold to a new loan servicer. In that transfer, there was an error and the new loan servicer ( XXXX XXXX ) is reporting a balance on my credit report. I have called and tried to talk to them to explain the issue however, I have not been successful. They said that because I was on the original note, they will continue to report this account. I explained that I have documentation to show I am no longer associated with the property in question however, they would not listen or even allow me to show them the documentation. I have attached copies of the paperwork showing that this property was included in the bankruptcy and should not be reporting a balance and/or even be reporting at all on my credit report. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-12-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (FL)

Hello on XX/XX/16 as I was shopping my chime account was closed around XXXX midday. I had money in my savings account and my credit card which is all linked. I reached out to a chime representative and she ensured me that it must have been a mistake but that I should keep trying to contact chime because they would never closed an account in one day they will give you at least three days to move the funds. However I wasnt given that chance. I was shopping for food for my home and family and I havent had access to none of my funds. This has caused me emotional stress and I wont rest until someone help me. I will get a lawyer because by law you can not close an account and keep peoples money. I dont fare for the account I just need to be given access to my account to move the money. Also I have reached out to chime in several emails hoping that they have responded
Consumer complaint received 2020-12-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX, I asked Transunion, XXXX  and XXXX  to verify two accounts ( XXXX XXXX and XXXX ) that were reporting inaccurately. They responded on XX/XX/XXXX stating that the Original credit, past due, terms and rating were updated on the XXXX Account for Transunion and the XXXX account remained the same. 

I then responded on XX/XX/XXXX to Transunion, XXXX and XXXX  because XXXX was still reporting inaccurately with three different months for the same late payment. Transunion reported XX/XX/XXXX, XXXX  listed XX/XX/XXXX and XXXX  reported XX/XX/XXXX. XXXX has since removed the late payment, however, it remains on XXXX  and Transunion. If the same creditor is verifying payment history on the account to all 3 of these bureaus, then how can the dates be different across both bureaus? 

I also responded to on XXXX XXXX to the XXXX  account still reporting inaccurately with different dates of last activity. Transunion has it listed as XX/XX/XXXX, XXXX  has it listed as XX/XX/XXXX and XXXX  has it listed as XX/XX/XXXX Again, how can these dates be different if the information is being verified with the same creditor? 
The bureaus responded and XXXX is still reporting with different date of last activity as XX/XX/XXXX for Transunion, XX/XX/XXXX for XXXX  and XX/XX/XXXX for XXXX  which is inaccurate.