davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2018, I wrote TransUnion about an account that is improperly and inaccurate and with old information. 

1. I sent a letter to XXXX Loans with the address that was provided on my credit report from TransUnion, a few days later I received the letter back because it was undeliverable. 
TransUnion is not allowed to report anything they know to be false including addresses. I disputed the item/account and it is still being reported on my TransUnion Credit Report inaccurately. 

2. Given that the furnisher ( XXXX XXXX  ) has provided false information to TransUnion about me, and provided TransUnion with a false address, I am demanding that the item ( XXXX XXXX  ) they are reporting be removed immediately.
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : 14 XXXX  XXXX XXXX XXXX XXXX Balance : {$3200.00}. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-06-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

For a while now, I use my XXXX XXXX Credit card and then pay off the balance before the due date of the XXXX. This month, I received my notice via email on XX/XX/2019 from XXXX XXXX and immediately scheduled my payment for XX/XX/2019. I monitor my credit report and score almost daily. So today I look at it and Experian dropped my score 68 points because of the balance reported on XXXX XXXX. I called to get an explanation of this exorbitant drop and received no assistance. Instead, the young lady proceeded to run down the " factors '' that could affect one 's credit score ... none of which pertained to my report. So if I understand correctly if we don't use credit, we get dinged, if we do use the credit, we get dinged ... and we pay it off by the due date we do not get celebrated and we certainly don't get our points back that we lost. I would like a justification for 68 points. Our lives are tied up in credit reports and for these bureaus to just bounce our scores around without accountability or explanation does not seem right. I have worked very hard to straighten out my credit so that I can put a roof over my children 's heads and it is not fair that these companies can take it away without recourse.
Consumer complaint received 2024-02-10
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX has violated my right, And lists of unauthorized inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$540.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX Balance : {$680.00} ; XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MONEY SOURCE, INC., THE (NV)

The Money Source mortgage company purchased my loan during the 1st quarter of 2018. Between them and the old mortgage company, I was repeatedly contacted about not having homeowners insurance throughout 2018. I've had the same homeowners insurance from my previous home to the new home, during purchase of the new home and supplied to the title company, and that I currently hold today. I myself as well as my insurance agent kept providing proof for every other request assuming the next request was in passing of data filing and was already in the mail. 
Near XXXX XXXX payment The Money Source ignored all our proof of insurance without reason and applied forced insurance. The Money Source rejected all methods of payment except by mail. They took my payment and never applied it to my account. The Money Source tried to force me to purchase their homeowners insurance. After serval months of fighting all while we continued to make our payments The Money Source not only admitted their error but also refunded over charges. After they admitted their error they reported me to the credit bureaus of my failure to pay on time. I asked them to remove it because I proved my prior case and they refuse. This is an illegal report per the fair credit report. I was wrongfully charged, over charged, and illegally reported.
Consumer complaint received 2022-10-14
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. (DE)

Hello my name is XXXX XXXX and XXXX have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Consumer complaint received 2019-10-09
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: CITIBANK, N.A. (PA)

XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX CITIBANK NA/THD  Inquiry : XX/XX/XXXX I have never heard of these and never authorized these charges. I was looking for an apartment and she gave me details on my credit and heard these but never filled out information.
Consumer complaint received 2019-06-13
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. (MD)

I had an account with XXXX XXXX The account closed and charged off and I have called them several times to pay the account or pay a settlement offer if there was one each time I called they told me they are not taking any payments on the account And there was nothing I could do I have asked equifax to remove this account from my credit report and they will not do so This is hurting my credit and I need this account to be closed and removed The balance on the account is XXXX
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

INCONSISTENT AND INACCURATE INFORMATION. ONE GLANCE ( SEE ATTACHED PICTURE ) AND THE INCONSISTENCY IS OBVIOUS. I ASKED THAT THIS DEBT BE VALIDATED AND VERIFIED WITHOUT RESPONSE. THEY CANT EVEN AGREE ON THE ORIGINAL LENDER.
Consumer complaint received 2019-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (FL)

Regarding {$370.00} Balance with XXXX XXXX History : My divorce was finalized XX/XX/XXXX. I was not living at the marital home for a year prior to that date. My ex-husband according to the decree was responsible for the house and expenses. When he moved out 2 years later in XX/XX/XXXX, he decided to not to continue paying the XXXX XXXX bill. 

Dispute : XX/XX/XXXX XXXX XXXX reported the debt using a collection agency appearing as XXXX. I disputed this and submitted my divorce decree. The debt was removed from my XXXX and XXXX  reports. 

Then this year, XXXX XXXX has reported on my XXXX  credit report using a collection agency appearing as Convergent for the same amount ( {$370.00} ) DATED XX/XX/XXXX - Thus negatively RE-AGING the debt ( against the law for those who don't know. ) XXXX was no help in solving this, as they only confirmed with Convergent as to what they already filed. Convergent is standing by their claim that the age of the debt is correct and that my divorce does not matter.
Consumer complaint received 2019-04-10
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I just received the results of an investigation I had for my kohls department store card. XXXX I feel did not do a proper investigation. This account was never paid late in XX/XX/2017 yet it is showing as an adverse account on my credit report having this wrong information is affecting my credit score. I have been disputing this for months now I spoke with kohls awhile ago and was assured it would be rectified with the credit reporting agencies.
Consumer complaint received 2019-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CT)

Over the course of 2018 my payment amount was changed 3 times. While trying to stay on top of these changes, my XXXX and XXXX automatic payments went out roughly {$50.00} short. I did not receive notice that this had happened until the XXXX payment was already reported 30 days late. At this point, the balance was paid, the account brought current, and the online banking payment amount made correct. In the time since I have attempted several times to communicate this with Ditech, but they have been uncooperative. They claim that correspondence was sent notifying me of the issue, but I never received it. In a similar fashion, they have been completely incompetent in sending correspondence in my attempt to resolve this. It wasn't until the XXXX payment was already reported late, that I received a phone call. Due to their inability to maintain any semblance of consistent payment amounts, and lack of communication in the event of the problem, I should not be held responsible.
Consumer complaint received 2021-02-10
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: CITIBANK, N.A. (TN)

I have talked to this company multiple times over the past 6-8 months trying to resolve this issue of fraud. All I get is transferred from one hard to understand person to another and then wind up back at the beginning. I can not get any resolution whatsoever. I sent them a copy of my police report but to no avail. 

In XX/XX/2020 an UNAUTHORIZED payment of {$4500.00} was made on my account and then subsequently recalled. When I called to ask about it, I was told that it was made with a fraudulent check but no one could tell me anything else. This put my account over the limit and I am being held responsible for it. I can not get resolution but I am expected to make payments each month or I am reported to the credit bureaus.
Consumer complaint received 2018-06-18
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. (TX)

Thankfully I keep all documentation- I have proof of paperwork showing that I submitted deferment paperwork that included the dates that XXXX XXXX reported incorrectly. Please notes that these forms are dated as to when they can be used. The address associated with each request is also proof of times submitted. In XX/XX/XXXX, I lived XXXX XXXX XXXX in XXXX, Texas. In XX/XX/XXXX, I lived at XXXX XXXX XXXX, Texas. This is further supported by the attached tax return information. As I have stated the information that XXXX XXXX place on my credit reports are wrong and need to be removed. I submitted a complaint and less than 48 hours later it was closed. This show absolutely no review was actually done. 

REVIEW THE DOCUMENTATION I have numerous accounts showing that I have late payments that have fallen under XXXX XXXX all in and around XX/XX/XXXX through when the name change to XXXX XX/XX/XXXX. I have never had a late payment as the loans have been in a deferment. I have continued to dispute these errors on my credit reports and at one point even had a credit repair agency dispute these errors and yet these continue to remain on my report. I don't know what I need to do to have these items removed. XXXX XXXX is listed 9 times 1. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX opened XX/XX/XXXX, {$1000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 3.  XXXX XXXX opened XX/XX/XXXX, {$3000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4. XXXX XXXX opened XX/XX/XXXX, {$4500.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 6. XXXX XXXX opened XX/XX/XXXX, {$2000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 7. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 8. XXXX XXXX opened XX/XX/XXXX - {$6600.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 9. XXXX XXXX opened XX/XX/XXXX, $ XXXX- wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX /XXXX opened XX/XX/XXXX, {$5800.00} - wrong All my loans were consolidated in XX/XX/XXXX and were placed in deferment due to numerous surgeries and unemployment. All these had been documented and yet this company placed these accounts erroneously right before they switched names to XXXX and all of a sudden there are no late payments. This company should not have been allowed to ruin people 's credit based on their illegal practices. I need these to be taken off.
Consumer complaint received 2016-11-26
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have a checking account with Capital One 360. On XX/XX/2016, I needed to make an ATM withdrawal. I went to the network ATM at the XXXX at the corner of XXXX and XXXX in XXXX XXXX, IL, and there was a sign on the ATM indicating it was out of order. I then went to the network ATM at the XXXX at the corner of XXXX and XXXX in XXXX XXXX, IL, and that ATM was also out of order. I then, needing access to my money and not having any more time to drive all over town, went to the ATM at XXXX XXXX in XXXX XXXX, IL, and used there ATM, and incurred a {$4.00} fee for using a non-network ATM. I called Capital One and was told by a super visor " XXXX '', that they do not care how many ATM 's I have to go to, they do not reimburse fees. XXXX also told me that she does not have a phone number to reach her directly, and that she does not have a boss and is the highest level person I can speak to at Capital One.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I did not authorize the following inquiries nor did I receive any product from these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (TX)

I went on the website to make a payment, and after I enter my information the site froze. So I called to make the payment over the phone so I would not receive a late fee. 2 payments came out of my account but I only received 1 confirmation. I called the company they said that it would take 2 weeks to get my money back. I advised them that I could not afford to wait 2 weeks. I advised them that I will dispute it with my bank. They charged me a fee when i didn't get any notification of the payment on the website and they refused to waive it. Also I have to call every month for my payment to post to my available balance.
Consumer complaint received 2019-04-17
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: ID Analytics, Inc. (TN)

I submitted complaint XXXX on XX/XX/XXXX. Again I have never heard of this company. I will call to request a copy but COMPLAINT : When you pay XXXX to have your identity monitored below is what they monitor. XXXX isn't mentioned. If XXXX is being used by companies to report your credit history why are they not monitored? I am seeing many complaints on the internet from consumers that have similar issues with XXXX. See below advertisement on XXXX XXXX Website With XXXX, You Can : Monitor Your Credit Credit Score and Report Features Include : What You Need to Know : The XXXX Credit Score and 3-Bureau credit scores are based on the XXXX  Credit Score model. Third parties use many different types of credit scores and will not use the XXXX Credit Score or 3-Bureau credit scores to assess your creditworthiness. 
With XXXX  CompleteXXXX XXXX XXXX, You and a Second Adult Can : Monitor Your Credit Credit Score and Report Features Include : Bureau Credit File Monitoring1 Credit file monitoring and automated alerts of key changes to yourXXXX, XXXX, and XXXX credit files. 
3-Bureau Credit File Monitoring XXXX 3-Bureau Credit Scores and Report XXXX Credit Score XXXX Credit Score Monitoring Again, nowhere is XXXX mentioned. I want this checked into. If they can report me who reports them???????
Consumer complaint received 2022-09-01
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

XX/XX/XXXX called Wakefield and Associates to close account with XXXX XXXX for XX/XX/XXXX bill that was originally {$2000.00}. XXXXXXXX XXXX account # XXXX XXXX not paid because original bill charges for XXXX XXXX fees and this XXXX  was never seen. 
On second visit returned to visit XXXX XXXX and never seen him but a bill was sent to me billed in his name. 

I agreed to pay a reasonable rate for reduced services {$500.00} or {$200.00} to close case and gave the customer service agent my Attorney name who originally handled case XXXX XXXX XXXX and she became belligerent and vulgar insisting on speaking abusive and said she speaks to attorneys the same. So I terminated call and attempted 3 times to call back and she hung the phone up x2 and lastly transferred me to a XXXX phone answering machine. 

I called back after 3 minutes and spoke with a customer agent who verified she was the account manager and I gave him my attorney who handled the case XXXX XXXX office number to verify my statement and concern with XXXX XXXXXXXX XXXX XXXX bill. 

Please help to resolve bad business practices from Wakefield and Associates. Also the XXXX has a portal of repeated bad practices from Wakefield and Associates.