davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX, IL, XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Consumer complaint received 2022-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX2019 I made an ACH transaction from my BOFA checking account to XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX for the amount of {$10000.00} USD. ( I no longer bank with BOFA ) I later learned that the company/recipient was being charged for fraudulent practices and all companies associated were shut down by the FTC. I have tried multiple times to recover my money with no success. I have reached out to the BOFA fraud dept and they said they could not help me.
Consumer complaint received 2015-04-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: RS Clark and Associates, Inc. (TX)

R S CLARK COLLECTION AGENCY put a negative item on my credit. I had insurance. This agency did not contact me before putting anything on my credit. R S Clark is not bonded to collect in the STATE OF TEXAS. I sent them a validation request. They never did validate the account, but they continue to report this inaccurate information on my credit
Consumer complaint received 2015-09-07
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NC)

American Express agreed to credit my account with XXXX points after XXXX in purchases were applied to my account in the first XXXX months. This agreement was based upon a promotion at the time I agree to sign up for the card. I have not received the XXXX points.I have contacted the company XXXX regarding this matter over the last XXXX billing cycles and I still have not received the points. 
The delivery of the card was delayed XXXX and I was promised a XXXX point credit for the oversight and delayed delivery. I never received the XXXX points.
Consumer complaint received 2015-07-14
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management contacted me about a XXXX years old debt that was charged off my Credit History XXXX years ago, It was affecting my Credit Bureaus for XXXX years now this Agency sent my old debt to another new Debt Collection Agency named XXXX XXXX XXXX, this last one is threatening me with another XXXX years od bad luck.Please help me.The original collection started in XXXX with a XXXX XXXX XXXX Credit Card.
Consumer complaint received 2020-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OH)

I make dvds of funerals when families order them. I received an order from a woman, made and shipped it-then got delivery conformation for its delivery, and the person still submitted a charge back. Her credit card issuer, citibank decided in her favor, even though we submitted the USPS verification that her order was made, shipped and delivered to her address. Here is Citibank address Citibank - XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX  address XXXX XXXX XXXX, XXXX, CA, XXXX,
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act XXXX 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 customer Reporting agency cannfurnish a account without my written instructions.
Consumer complaint received 2022-03-07
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: Experian Information Solutions Inc. (GA)

EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : DEPT OF ED/XXXX  : XXXX -- -> : {$2900.00} DEPT OF ED/XXXX  : XXXX -- -> : {$1300.00} DEPT OF ED/XXXX  : XXXX -- -> : {$2900.00} DEPT OF ED/XXXX  : XXXX -- -> {$3900.00} DEPT OF ED/XXXX  : XXXX -- -> {$3700.00}
Consumer complaint received 2022-03-07
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: EQUIFAX, INC. (GA)

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : DEPT OF ED/XXXX XXXX XXXX -- -> : {$2900.00} DEPT OF ED/XXXX XXXX  XXXX -- -> : {$1300.00} DEPT OF ED/XXXX XXXX XXXXXXXX -- -> : {$2900.00} DEPT OF ED/XXXX XXXX  XXXX -- -> {$3900.00} DEPT OF ED/XXXX XXXX XXXX -- -> {$3700.00}
Consumer complaint received 2020-06-06
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)

I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation and I have had no response The fraudulent accounts is XXXX XXXX XXXX.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 2022-07-24
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)

My name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items including unauthorized inquiries be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Optimum Outcomes, Inc. (NC)

This account was listed under the bankruptcy ; however its still being reported separately on my credit reporting. Basically, I am being penalized twice. 

The bankruptcy was filed on XX/XX/XXXX. This was reported XX/XX/XXXX. 

Also, I believe this debt was due to identity theft/fraud. I have recently gained knowledge of fraud using my social security number. I have attached the bankruptcy filing which will list Optimum Outcomes on page 15, column 2, 5th row. 

The police report has also been attached.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Western-Shamrock Corporation (TX)

ACCOUNT HAS BEEN CHARGED OFF, XX/XX/2014 IN THE AMOUNT OF XXXX XXXX IT STILL SHOWS ON MY REPORT, REACHED OUT TO THE COMPANY WITH NO RETURN RESPONSE
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I spoke with an EXPERIAN agent earlier today. I informed him that Experian is reporting non-mailable addresses on my report and they are to be removed via the FCRA, FTC, CFPB, and Privacy Act of 1974. The Experian agent gave me the run around claiming to need more verification when I previously confirmed my SSN, full name, address, and date of birth. I asked the Experian agent to transfer me to a supervisor and he again gave me the run-around. I then asked the Experian agent for his first and last name and work ID number, " He stated he was not required to give me his information, and his name is XXXX from the dispute department ''. 
16 CFR 313. Privacy of Consumer Financial Information ; 16 CFR 313.1 Purpose and Scope ; 16 CFR 313.7 Forms of Opt-Out Notice to Consumers ; Opt-out methods; 16 CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

16 CFR 433.3 Exemption of sellers taking or receiving open-end consumer credit contracts before November 1, 1977 from requirements of 433.2 ( a ).

16 CFR 444.2 Unfair credit practices. 
See the attache case number from the phone conversation with " XXXX from the dispute department ''.
Consumer complaint received 2018-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CT)

Via a letter dated, XX/XX/2018, Wells Fargo Home Mortgage accused me of a prohibited title transfer of my residential property at XXXX XXXX XXXX XXXX, XXXX, XXXX ( Lot # XXXX as specified in Schedule A of Open-End Mortgage Deed ) and threatening mortgage note acceleration and foreclosure. 

On XX/XX/2018, I provided to WFHM, XXXX XXXX XXXX, XXXX land and tax records certifying that title to XXXX XXXX XXXX XXXX , XXXX, Ct-Lot # XXXX had not been transferred. Further, in conversations with XXXX XXXX, Executive Resolution Specialist ( XXXX ext XXXX ), I requested a complete explanation of the errors identified in WFHM policies and procedures which resulted in the threatened foreclosure of my residential property. At this date, WFHM has acknowledged that a prohibited title transfer for Lot # XXXX has not taken place but has not provided any explanations for its errors or outlined steps to prevent future occurrences. 

Copies of all documents provided to WFHM can be provided.
Consumer complaint received 2022-03-07
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: EQUIFAX, INC. (NV)

EQUIFAX IS FALSLY REPORTING AN ACCOUNT FROM XXXX SUPPOSEDLY FOR XXXX XXXXIN THE AMOUNT OF {$620.00} DOLLARS SO I AM REQUESTING A VALIDATION OF THIS ACCOUNT IN WRITING, WHICH I AM ENTITLED TO ACCORDING TO THE FCRA IN A TIMELY MANNER. PLEASE SHOW ME THE DATE THAT THE ACCOUNT WAS FIRST DEFAULTED ON, TO MAKE SURE THAT YOU ARE NOT REAGING SOMETHING ELSE. I AM ON SSDI SO MY INCOME IS FEDERALLY PROTECTED.
Consumer complaint received 2022-03-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Shellpoint Partners, LLC (FL)

I have been a with SHELLPOINT MORTGAGE SVC customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XX/XX/XXXX,XX/XX/XXXXXXXX, XX/XX/XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2016-12-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (FL)

Pleas be advised, I am requesting that Midland Credit Management INC reporting debt needs to deleted from my credit profile it needs to be removed due to inadequate valid reporting of me having a signed contract with them. I clearly have no financial obligation with the company, and by law they need to be removed from my credit report profile. By law a collection agency can not report a debt to the credit bureaus which has not been validated and I have addressed the needs to this company over and over for a whole year and the problem at hand has not been corrected. Again, I do not have a financial obligation with those company listed. Do not confuse Verification with validity. I have proof where I have sent this company lawful notices of FDCPA SECTION 809. Validation of debts [ 15 USC 1692g ] Midland Credit Management Inc has failed to respond to my disputes within a timely manner, with a proper response. 
XXXX XXXX ( the consumer )
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX  XXXX Balance Owed : {$760.00} XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX Balance Owed XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$470.00} XXXX XXXXXXXX Balance Owed : {$620.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXXXXXX Balance Owed : {$600.00} XXXX XXXXXX/XX/year>
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AZ)

On XXXX XX/XX/2020, I used my monthly subscription to Experian 's " Experian CreditWorks Premium '' service to get my new credit report and credit score. The new report stated I did not have a credit score as I had no activity on any of my accounts. This is incorrect, and I contacted both my bank ( XXXX XXXX XXXX XXXX, with whom I have my XXXX  and only credit card ), and Experian to ask why, as of XXXX XX/XX/2020, my score was XXXX, and now, despite continuing to pay my credit card off in full each month, my score was XXXX. XXXX insisted that they have not changed how they report my credit information, and they confirmed that I continue to pay my credit card bill as required and in full each month. Experian insisted that it's either FICO 's or XXXX 's fault for showing " no activity for six months '' that would allow them to calculate my credit score. Again, less than two months ago ( the last time I refreshed my credit report ) my score was XXXX ; now it's XXXX XXXX XXXX XXXX. The only thing I can think is that because I'm disputing one charge on my XXXX credit card ( I reported and initiated this dispute with XXXX on XXXX XX/XX/2020, and as yet, they have not adjudicated my dispute ), Experian is taking it upon itself to deny me the ability to have a credit score, since my one credit card account is in dispute ( though as I wrote, I still pay it in full each month ).
Consumer complaint received 2017-01-25
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY (DC)

American Express failed to return its {$190.00} annual fee for my credit card, citing a 30-day policy. On XXXX, American Express stated it did not expect for me to receive my card until XXXX. On XXXX, American Express charged the {$190.00} to the account, despite my not having received the card and not having activated the account. On XXXX, American Express sent me another request to update my address and was still unsuccessful in delivering my card, so I still had not received my card or activated the account. On XXXX, I received the card, activated the account, and used the card. I was dissatisfied with the card and how few merchants accepted it. I also saw that while the American Express site kept my payment information, through some glitch it did not process the auto-payment set-up. On XXXX/XXXX/17, I called American Express to cancel the card. I paid my balance in full, and I requested the {$190.00} annual fee refunded. I was told this should be no problem considering the circumstances, and I was put through from the Credit Department ( to pay my balance ) to the Customer Service Department ( to pay my balance and explain my charges, waive the erroneous late fee and interest, and to process my request to cancel the card ) to the Membership Consultant Services ( to submit my request to Customer Service for the {$190.00} annual fee to be refunded, Report No. XXXX ). Having heard nothing, I called American Express to follow through on the {$190.00} fee refund on XXXX/XXXX/2017. I was repeatedly told by the first line of customer service agent, the next level supervisor, the higher up supervisor, and the next level up supervisor that the 30 days had lapsed from their charge date of XXXX to my call date of XXXX, even though they recognized I had not received the card or activated the account yet on XXXX. They said they could not refund the {$190.00}. I would like the {$190.00} refunded because I did not even receive the card for which I was charged this service fee until days later, due to American Express error.
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The personal information that the credit bureaus is reporting is incorrect! I have sent out several letters to each bureau in regards to this matter please delete from my report. 

The only information that should be on my report is Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, tx XXXX Birthdate : XX/XX/1993 No other name, previous addresses and birthdates. I do not associate with any additional information they have on my report.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CO)

On XX/XX/XXXX XXXX I sent validation requests to several collections regarding medical debt that had been placed on my credit report. 
These are Expired, well over XXXX XXXX XXXX. 

I did not receive any response, so I submitted online request with Equifax to validate these items. I did not receive a response. 

It is my understanding that per FCRA they are to respond within 30 days, it has now been over 60 days. 

Plus, with the new medical laws, starting XX/XX/2023 the XXXX XXXX that are under {$500.00} were to be removed. 

Ive attached a copy of the XXXX items that need to be removed from my credit report. 
Thank you
Consumer complaint received 2021-05-10
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. (NV)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

Today, Friday XX/XX/XXXX, once again Equifax has refused to give me my free annual credit report. I report this every year. I've spent hours trying to resolve this since XXXX. Every time CFPB ignores my actual complaint. 

I want to know why I can not get my credit report online from Equifax. I want to know why this happens every year since XXXX. 

This is the error I received : XXXX XXXX XXXX I DO NOT want a PHYSICAL copy of my report from Equifax mailed to me. 

I want it available online like it is supposed to be.