davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-21
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. (FL)

In XX/XX/XXXX, I was forced to declare Chapter XXXX due to some extreme circumstances in my personal life. At the time, I had a XXXX card with a balance of {$20000.00} that was included in the bankruptcy. In XX/XX/XXXX, I had the Chapter XXXX bankruptcy dismissed. 

I contacted all the credit card companies I owed money to and negotiated a settlement amount with them directly. XXXX was the only creditor still showing my bankruptcy as " active '' for 8 months after the dismissal. I took me the next 8 months and many phone calls to finally resolve that. Finally in XX/XX/XXXX I was told by XXXX to contact XXXX XXXX XXXX XXXX XXXX to arrange a settlement amount. 

I did this and on XX/XX/XXXX I received an email from XXXX with the agreed upon settlement amount that we had discussed over the phone. I paid that amount, {$6100.00}, to XXXX XXXX XXXX on XX/XX/XXXX and have a receipt from them for that payment. 

XXXX is still showing on my TransUnion credit report that I owe {$20000.00}. The payment has NEVER been accurately reflected on my TransUnion report. 

In XX/XX/XXXX, I submitted an online dispute to TranUnion about this matter. On XX/XX/XXXX, I received a letter in response from TransUnion stating that the XXXX information was " Verified as accurate ''. 

I had seen an increase in my XXXX  credit score when the amount was paid to XXXX and at that time XXXX  was reporting that it was Paid/Charge Off with a XXXX balance. Within the past couple of weeks, I got an alert from XXXX  that TransUnion had reported negative information to them and now that XXXX  account is showing up as " Charged Off '' with a balance of {$20000.00} on my XXXX   credit report. My XXXX credit score plummeted over 50 points because of this. 

This erroneous reporting of information has negatively affected my creditworthiness. 

I met with a mortgage lender back in XX/XX/XXXX and was planning to purchase a home in XX/XX/XXXX. This false reporting is causing great damage to me. I no longer qualify for a loan because of this. I will be unable to buy a home/obtain a mortgage because of this. I am unable to qualify for ANY credit because of this. I am requesting that this XXXX account be COMPLETELY removed from my report with ALL credit reporting agencies. 

If I am unable to have this request met by XXXX, I have been advised to seek out the help of an attorney that specializes in such matters and pursue damages. I am not a litigious person and would prefer not to do that if I can just get this resolved and get this off my credit once and for all. 

I am providing proof that this amount was paid to XXXX as per XXXX 's instructions.
Consumer complaint received 2022-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (FL)

My credit card account was closed by American Express after I filed a consumer complaint. Initial complaint took place after unsuccessful resolution in stopping some minor unauthorized charges and fees from being posting to my account. American Express did bring account to positive {$0.00} balance, but closed the account immediately without my consent. I contacted American Express and was told to file another consumer complaint if I want my account restored. So here I am : - ). Unfortunately closing this card costs me credit history in addition to unfair treatment. Any assistance would be great appreciated. Kind Regards, XXXX acct # XXXX
Consumer complaint received 2022-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NJ)

XXXX deposited a check for just over {$1100.00} in my Citibank account. They then notify me that the check is fraudulentand they close my account. 
THEY THEN CASHED MY CHECK and wont speak to me about getting the funds returned. My legal representative calledthey wont speak to her either. 
SO HOW DO I GET MY MONEY BACK AFTER CITIBANK FRAUDULENTLY CASHED MY CHECK AND WONT RETURN MY MONEY?!!?
Consumer complaint received 2020-07-31
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: Experian Information Solutions Inc. (AR)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX/XXXX XXXX {$660.00} US DEP ED XXXX {$1600.00} US DEP ED XXXX {$3300.00} XXXX XXXX {$1000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$360.00} USDOE/XXXX XXXX {$14000.00} XXXX XXXX XXXX {$4000.00}
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

In accordance to the Fair Credit Reporting Act XXXX account numbers has volated my rights : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. States i have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 IT also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

My XXXX  loans where opened in 2006. The debt was old and all credit report agencies removed them from my credit report. Now the debt is showing up as newly issued. This is not right and not fair. I want this debt removed from my credit reports. Its past 7 years old.
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

My student loans where opened in 2006. The debt was old and all credit report agencies removed them from my credit report. Now the debt is showing up as newly issued. This is not right and not fair. I want this debt removed from my credit reports. Its past XXXX years old.
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My student loans where opened in 2006. The debt was old and all credit report agencies removed them from my credit report. Now the debt is showing up as newly issued. This is not right and not fair. I want this debt removed from my credit reports. Its past XXXX years old.
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (CA)

Once my personal last card came in the mail I tried to load {$500.00} on to it at XXXX. I go out to my car and check the balance, and it says no transactions found. I tried to call customer service. I was put on hold for over a half an hour. I attached my receipt and screenshot of my account which has never been adjusted.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (PA)

In XX/XX/2024, I received at my home in the mail an online savings account statement from Marcus by Goldman Sachs. I did not open this account. I called the company on XX/XX/2024 and spoke with a representative named XXXX. I told her I did not open this account, it was fraud and to close the account immediately. She informed me the account was opened online in XX/XX/2024. The needed to have my address, birth date and social security number to open the account. No transactions occured ; the beginning and ending balance were XXXX. She said I would receive confirmation in the mail that the account was now closed. I have not yet received it. I want others to be aware.
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX Acct # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion is listing personal information ( names, addresses, employers, phone numbers, etc ) inaccurately. 

Transunion is also listing multiple credit inquires on my credit report with most ranging from XXXX XXXX XXXX with the highest number of inquiries being XX/XX/XXXX that were fraud and not authorized by me. I have contacted Transunion with stated information, and they responded that inquiries are " factual ''. This is NOT factual information as these are not my inquires and all of them are either through dealerships or credit unions that is not even in the state in which I am located. 

XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX 's XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-02-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I would like to file a formal complaint against XXXX as I understand the CFPB disputes will not also end up being included in my credit report. 

I understand that the Consumer Finance Protection Bureau ( CFPB ) has administrative oversight over compliance with the credit reporting provisions of the FCRA, including compliance by the credit reporting agencies.

I chose the word dispute to validate debts on my XXXX credit report on collection accounts. XXXX inserted in the comments Consumer Disputes Reinvestigation in progress. Collection Account and Collections in the comments and as account status. I  contacted the credit agencies via phone and I explained that it is affecting me negatively and they said they would take it off, but can't guarantee what the bureaus would do. 

I contacted XXXX and asked them to remove the comment. I told XXXX that I never intended to file a dispute with the credit agency when I spoke to their rep, my intention was to contact the original creditor which by law I should be able to contact the original creditor myself but the company information is not provided on any of my credit reports. I made it clear I was disputing with XXXX themselves and was told it'll be deleted via phone in 24-72 hours. This has still not happened.
Consumer complaint received 2022-06-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a complaint about erroneous information on my account. The investigation has taken over 30 days to complete. There several collection accounts on my credit report. They have not provided contract that proves the debt belongs to me.
Consumer complaint received 2020-02-03
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: EQUIFAX, INC. (TX)

I would like to file a formal complaint against Equifax as I understand the CFPB disputes will not also end up being included in my credit report. 

I understand that the Consumer Finance Protection Bureau ( CFPB ) has  administrative oversight over compliance with the credit reporting provisions of the FCRA, including compliance by the credit reporting agencies. 

I chose the word dispute to validate debts on my Equifax credit report on collection accounts. Equifax inserted in the comments Consumer Disputes Reinvestigation in progress. Collection Account and Collections in the comments and as account status. I contacted the credit agencies via phone and I explained that it is affecting me negatively and they said they would take it off, but can't guarantee what the bureaus would do. 

I contacted Equifax and asked them to remove the comment. I told Equifax that I never intended to file a dispute with the credit agency when I spoke to their rep, my intention was to contact the original creditor which by law I should be able to contact the original creditor myself but the company information is not provided on any of my credit reports. I made it clear I was disputing with Equifax themselves and was told it'll be deleted via phone in 24-72 hours. This has still not happened.
Consumer complaint received 2020-07-29
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: CITIBANK, N.A. (WI)

I have a loan with XXXX XXXX, XXXX, CITICARDS CBNA, and XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX   XXXX, XXXX XXXX, XXXX, CITICARDS CBNA, and XXXX XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have written to Transunion on the following dates XXXX, XXXX and asked that the inquires listed on my credit profile be removed due to the inaccurate reporting. Transunion has responded each time stating that they verified the information, however, they will not provide me with anything in writing that these credit inquiries are in fact valid. This is negatively affecting my credit, and I ask that these inaccurate inquires be immediately removed. 

Transunion will not provide anything in writing as to " WHO '' authorized these inquires since these are not mine.
Consumer complaint received 2018-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

On XX/XX/XXXX I noticed on XXXX XXXX that XXXX had reported my closed account as being late. That same day I contacted XXXX and I asked for an explanation and I was told there was a {$1.00} balance on my account which I did not know since I never received my final bill. The agent apologized and stated that XXXX would re-age my account and forgive the balance and it would be corrected on my credit reports. 

On XX/XX/XXXX I contacted XXXX again since my reports still showed the negative information and was told it was still being worked on and I should wait for 1 to 2 billing cycles. 

To this day the account is still reporting to the credit bureaus as 30 days past due.
Consumer complaint received 2018-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (MD)

On XXXX-XXXX-18 and XXXX-XXXX-18 XXXX and XXXX accepted and added a fraudulent debt to my credit file from a company called XXXX XXXX XXXX. This debt of {$1100.00} does not belong to me in any way shape or form and XXXX  and XXXX should not have allowed this to take place.
Consumer complaint received 2022-11-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: U.S. BANCORP (CA)

My information is being used all across the United States my all my government  XXXX  XXXX XXXX XXXX from XXXXXXXX XXXX has numerous off people following me using my credit in stealing everything that belongs to me she is XXXX XXXX  off age she has opened social security accounts with. My information everything she has my ID in playing with my identity right now as we speak there are XXXX  in air line tickets everything being purchased with my information there keeping me homeless out here so I want have any where to send My mail XXXX XXXX XXXX everybody there connected playing with my information there is a us bank acount open in my name that I never opened At all there are bankers inside off banks connected with these people in each city in state Connected with these people stealing my funds
Consumer complaint received 2022-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have an " adverse '' account listed on my Transunion credit report that is over 7 years old. XXXX and XXXX removed the adverse status after XXXX years. I have asked Transunion to change the status as well through XXXX dispute requests on XX/XX/XXXX and XX/XX/XXXX. Both investigations verified the account as accurate, but the investigations do not show the adverse account status that I see on my credit report. 

The account in question was with XXXX XXXX XXXXXXXX and was closed XX/XX/XXXX. There was XXXX payment XXXX days past due in XX/XX/XXXX. The Transunion Pay Status for this account says : " Paid. Closed, was paid as agreed. '' However, there is a note in the Remarks field that says : " Credit Line Suspended ; Closed. '' Both XXXX and XXXX removed this past due marker after XXXX  years. At XXXX, the this same account currently has an Account Status of PAYS_AS_AGREED and Activity Designator as PAID_AND_CLOSED. XXXX currently lists this same account Status as " Paid, Closed/Never late. '' I asked Transunion to remove the Adverse account status but they have not changed the status after XXXX dispute investigations.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-05-12
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. (MS)

On XX/XX/XXXX I noticed on XXXX XXXX that XXXX had reported my closed account as being late. That same day I contacted XXXX and I asked for an explanation and I was told there was a {$1.00} balance on my account which I did not know since I never received my final bill. The agent apologized and stated that XXXX would re-age my account and forgive the balance and it would be corrected on my credit reports. 

On XX/XX/XXXX I contacted XXXX again since my reports still showed the negative information and was told it was still being worked on and I should wait for 1 to 2 billing cycles. 

To this day the account is still reporting to the credit bureaus as 30 days past due.
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA (AR)

My student loans where opened in 2006. The debt was old and all credit report agencies removed them from my credit report. Now the debt is showing up as newly issued. This is not right and not fair. I want this debt removed from my credit reports. Its past XXXX years old.
Consumer complaint received 2018-04-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affiliated Acceptance Corporation (CA)

Issue originated when my credit card used for automatic monthly payment was declined due to a fraud alert. Not 2 days after card was declined XXXX  charged a 30 % fee for the decline which is outright fraud given I was not even afforded a grace period to get the new card and update. The real issue is however when I had to pay a certain lumpsum ( {$700.00} total ) to terminate my contract with them but still need to pay the facility the ongoing monthly tuition? My lumpsum payment are pre-paid tuitions and should be either applied to upcoming tuition or restituted to me. 

Please also note business has multiple complaints with the XXXX XXXX XXXX along with extremely negative reviews suggesting foul business practices on XXXX.
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, US DEPT ED Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, US DEPT ED Acct # XXXX, XXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXXXXXX Acct # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.