davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1500.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}.
Consumer complaint received 2020-02-07
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. (MI)

I have disputed three ( 3 ) accounts from XXXX XXXX more than three ( 3 ) times with XXXX, XXXX  and Transunion. These accounts are listed as : XXXX XXXX : {$580.00} XXXX XXXX : {$610.00} XXXX XXXX : {$400.00} XXXX XXXX is reporting this inaccurate information to all three credit bureaus. I have the right to a fair and accurate credit report,
Consumer complaint received 2019-04-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (OH)

Starting from XX/XX/2019 I have received repeated phone calls from Citi Bank they will call 7 days a week and leave voicemail after voicemail repeating the same information. It comes off as a courtesy call to check my citi account which means to make a payment towards my account. There has been several occasions where I have made a payment and the very next day the phone call start up again. I have blocked 4 numbers so far but the calls have yet to cease.
Consumer complaint received 2019-04-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery calls my cell phone 15-20 times a day from various numbers and area codes, I have told them that financially at this time I am not in the position to pay anything on the matters they contact me about and I have demanded they stop calling me, it goes in one ear and out the other. 

I want something done about this company! 

Thank You, XXXX XXXX
Consumer complaint received 2022-09-16
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Experian run me copies of documents bearing my signature to prove the status of the disputed account. If they unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected XXXX : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX-Late/Closed Late Date XX/XX/XXXX
Consumer complaint received 2019-04-03
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. (GA)

XX/XX/2018, I contacted XXXX XXXX, who holds my XXXX XXXX car loan, and discussed with them, the need for a payment plan and term extension, explaining that I had a recent downturn in income and would need that in order to be able to resume payments on the car. I contacted them via phone approximately 12 times trying to work out the program, and kept getting different information, no responses, or simply had to start over because someone didn't take notes, or there were deleted notes from previous conversations, or I was transferred to different departments, or was given wrong information, hardship letters misplaced, etc. Finally, XX/XX/XXXX, I was able to get the issue situated. Since so much time had passed going back and forth with different XXXX people, my account became delinquent. In early XXXX they made a derogatory report to my credit which decreased my score XXXX points for being 40 days past due. It took much longer than 40 days to work through this process with XXXX to no fault of my own. I would like for them to acknowledge the reason this delinquency existed was because they took so long working it out, and remove/retract the negative credit submission. 

The payment was for {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TO WHOM IT MAY CONCERN : 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 ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

When I tried to get a new mortgage, I was informed that my credit score was  adversely low because Nissan Motor Acceptance Corporation reported a late payment of >30 days on our 0 % interest loan. 

There are 2 issues : 1 ) Since NMAC 's autopay function ( how the loan was being paid ) had an internal limitation of 5 years, but the loan term was 6 years, payments we authorized were not automatically pulled. The contact by NMC through spam-like email and calls did not register as necessary actions since we knew the account was on autopay ( in fairness - we did overlook some of the attempted communications ). By the time we figured out the problem, we quickly paid the balance, and the penalties to bring the account current - as it now shows. We contacted NMC to have them update the 3 credit bureaus with Paid as Agreed. They refused to do this, despite 5 years of perfect  payment, and resolution of the outstanding balance. They were not at all understanding of people ignoring emails and voicemails from a company that also happens to send relentless sales communications. We would like our credit scores updates with Paid as Agreed since everything is now current and fixed, due a misunderstanding stemming from their internal system limitations. 

2 ) How can a credit score for someone with significant net worth be so severely impacted by a {$160.00} payment being late for just over a month ON A ZERO %  INTEREST LOAN!!!! Seriously ... ..
Consumer complaint received 2019-04-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

To my knowledge, I was never late this many times on my Credit Acceptance auto loan with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and 60 days past due in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have had this auto loan since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date.
Consumer complaint received 2021-11-22
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. (AL)

This account has been falsely validated & verified as accurate while maintaining several inaccuracies. As pertained by the XXXX, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Equifax XXXX XXXX continue to break statute, U.S. code 15 U.S. Code 1681e - Compliance procedures, article ( b ). 

Inaccurate Address Inaccurate updated status Inaccurate date of last payment Inaccurate first late payment The inaccurate information being reported by XXXX XXXX XXXX direct violation of my consumer rights. I wish that this account be deleted from my report expeditiously.
Consumer complaint received 2020-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX a fraudulent check of {$2900.00} was deposited on my checking account. As per the mail that i received from Citibank on XX/XX/XXXX. As a result ; the bank locked all my accounts that week. I called the bank that same XX/XX/XXXX to inquire about the situation ; i was told that a deposit was made in my account and a {$1000.00} was taken out from the ATM. I informed the bank that i wasn't me. Then i called the bank on XX/XX/XXXX and spoke with the Citibank fraud department. I wasn't directed to the claim department that day. On XX/XX/XXXX after several attempt to get feedback from the bank ; i was directed to the claim department. A claim for {$1000.00} was submitted on my behalf. Then on XX/XX/XXXX i got paid from work ; i called the bank in regards to, y funds ; there was no fund. I explained to the bank that during this process i got paid from work twice : XXXX payment from my employer was on XX/XX/XXXX for {$670.00} then on XX/XX/XXXX for {$920.00}. A total of {$1600.00} was confiscated by the bank and i haven't heard anything about those funds yet. No one from the bank was able to give me any explanation into that. Furthermore ; then i was informed that on XX/XX/XXXX that the investigation will be completed by the bank and my funds will go back to my account. When i called Citibank at XXXX on XX/XX/XXXX ; i was told that my claim was denied with no further explanation as to why. I can't access my account online. I inquire about me employment funds. I was told that there are no funds available in my checking account.
Consumer complaint received 2022-09-07
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. (DE)

Experian business credit report for my small business states I have a delinquent account for {$2500.00} in which the business or I have never taken out a loan or even owe anything as far as credit, loads or anything. I believe this to be fraudulent and improper. There are trade lines on my credit that also arise from this.
Consumer complaint received 2018-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: First Data Corporation (CA)

My account through Money network was fraudulently used by a perpetrator in the state of Florida & California. The fraudulent charges total to {$6000.00}. I have direct deposit through my employer and reported this activity on XX/XX/2018 via phone to Customer Service. So far I have heard nothing back from the company and was advised that I would have to wait 45 days to receive a resolution. Meanwhile, I am a single mother, I have no money to support myself, pay my bills or feed my 3 children. Please see attached documents uploaded listed with all fraudulent & unauthorized activity.
Consumer complaint received 2022-09-16
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. (TX)

I have been disputing for the correction of the account XXXX XXXX XXXX XXXX with a Balance Owed : {$810.00} that has been erroneously reporting on my Credit File. This account is reported as a charge off account and yet it has been continuously reporting an alleged balance of {$810.00}. I do not know that much but for all I know Charge off accounts should report a {$0.00} balance. I have been frequently requesting that the Credit Bureaus remove the balance and change it to XXXX but the Credit Bureaus have been stubborn with their claims. Also, I have been requesting the Credit Bureaus to provide me copies of proof of verification since they have been reporting this account as verified in which I strongly disagree. I am now submitting this CFPB complaint to request to the Credit Bureaus that they either remove the balance and change it to XXXX or completely eradicate the disputed erroneous account from my Credit File.
Consumer complaint received 2019-04-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (FL)

I am in financial distress and had previously tried to get current with XXXX XXXX. They call my business phone everyday at all hours. They have been harassing my mother at her home phone number for many months now. She does not live with me and has no connection to this debt. Now they are calling my boyfriend on his business phone trying to reach me. I am in the process of getting my financials in order but the harassment of my family is not acceptable.
Consumer complaint received 2018-08-30
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harvard Collections, LLC (PA)

I received a call in XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX The call was regarding a Medical Bill, of {$740.00}, for an out of network physician ( XXXX XXXX XXXX ). I requested that the collection service send me a letter stating the amount owed and other detailed information ( a letter was sent on XX/XX/2018 see attached letter below ). In the letter, the collection service offered a settlement amount of {$550.00}. I contacted the collection service and attempted to make payment. 

In my discussion, I stated that I would send an email to the collection service stating what had been agreed to verbally on the phone. The manager, XXXX XXXX, provided me with an email address : ( XXXX ) and I sent the email ( please see attached document ). In the email, I stated that I would mail a payment of {$550.00} upon receipt of a response to my email referenced above that in summary stated that upon payment, all collection efforts would cease and no reports would be filed with any of the credit bureaus. 

I spoke with an employee at Harvard Collections after I sent the email, requesting that they respond to the email. At that time, the employee stated that it was a policy of XXXX XXXX XXXX XXXX XXXX not to respond to emails and instead to " Trust Us '' that they would honor the agreement. My intention with the email is to create an audit trail to prove what was discussed and what was agreed to. 

Several more phone calls were received from employees and I again stated that I needed something in writing ( via email ). 

This afternoon ( Thursday, XX/XX/2018 ) I spoke with the Operations Manager XXXX XXXX and stated again that it is my intention to make payment on this settlement balance as soon as possible ( upon acknowledgement of my email ). Again, he stated that the policy was not to put anything in writing, and to " Trust Us '' until after the payment has been remitted ( up to 30 days later ). 

Tomorrow, I will contact the Operations Manager XXXX XXXX and attempt once again to make the payment on the balance upon receipt of an acknowledgement of my email. 

What the collection agency fails to understand is that I need a written agreement that states what both parties agree to in order to settle this issue. The failure on the part of XXXX XXXX XXXX XXXX XXXX to commit to an agreement in writing constitutes a poor business practice. A written agreement protects both parties.
Consumer complaint received 2015-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (VA)

I pulled my credit report on XXXX/XXXX/15. I immediately noticed that the fraud statement had an old phone number listed in both my report and my husband 's. I reported this XXXX years ago and have continuously contacted all XXXX credit reporting agencies in the past regarding the issue. I tried to dispute online, but could not as the message on Experian 's website says that you have to call to dispute the fraud statement. So I called the following day. An agent with a XXXX told me to dispute online. I reiterated what the web says and that there is no " dispute '' button. He gave me the following site : XXXX. No such link exists. He then claimed that he was deleting my phone numbers. I told him not to delete all my phone numbers, only the incorrect XXXX. About a week later, I received a letter from Experian that, as requested, they had deleted all my phone numbers. I went online again to check my report. No changes have been made and the incorrect phone number is still on the site. I have not had a chance to call back as the office is only open from XXXX, and I do not want to continue going through this ridiculous routine with Experian not changing incorrect information. They 've had 6 years to make XXXX change.
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc. (PA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts. Please investigate these accounts that are erroneously reported in my file : XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

My name is : XXXX XXXX My only address is : XXXX XXXX XXXX XXXX . XXXX XXXX XXXX TN XXXX Please have the agency update this accordingly.
Consumer complaint received 2018-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NM)

All 3 major credit bureaus are reporting serious errors on my credit file and refuse to fix it and refuse to provide proof that it is valid. 
YOU are reporting an XXXX XXXX XXXX account with current lates on it. I have never been late, it comes out of my check and I have had the same job forever! 
-They are reporting wrong and you are letting them without proper verification! I have disputed this with you on XX/XX/18 and you 'claim ' it was verified and I demand to know how you verified it. XXXX XXXX is NOT valid verification. 

I have been trying to reach them for months and called them 32 times! I have sent emails and left messages. They will not ever get back to me. 
They are reporting wrong and you are letting them without proper verification! I have disputed this with you on XX/XX/18 and you 'claim ' it was verified and I demand to know how you verified it. You are in violation of the FCRA and I demand you fix this immediately.
Consumer complaint received 2019-04-03
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Jim Bottin Enterprises, Inc (SC)

I have received ongoing calls from this company about collecting a debt to a gym membership. 
Calls from XXXX XXXX : XXXX to XXXX XX/XX/19 ( Now asking me to pay over {$300.00}, I asked for verification, and not to call ) XXXX to XXXX XX/XX/19 ( call ignored ) XXXX to XXXX XX/XX/19 ( I asked for verification, and not to call ) XXXX to XXXX XX/XX/19 ( robo call ) XXXX to XXXX XX/XX/19 ( robo call ) XXXX to XXXX XX/XX/19 ( robo call ) XXXX to XXXX XX/XX/19 ( robo call ) No Caller ID to XXXX XX/XX/19 ( robo call, reached operator, I asked for verification and not to call ) There are  more, but this is all my phone has recorded. 

The account was closed and is fully settled, but I am just upset about the continuous calls.
Consumer complaint received 2023-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc (MD)

Email to the XXXX that called me today XX/XX/2023 XXXX XXXX, I can tell you that though it was nice hearing from you after over a year, this experience has made me want to never sign up for a gym membership again. 

When I initially signed up for services, I came I believe a total of 3 times. I paid for XXXX personal training sessions and only used XXXX. Afterwards, I decided that I did not have the time to continue and not only called and left a voicemail to cancel, but I also emailed your ABC payment team and requested that all services be terminated effective immediately. 

Now today, I received a call from you informing me that I was not cancelled and that I owed for months of services that I never received. I have not received a call, text, or email until today and I was also informed that I would be sent to collections for services that I thought were cancelled over a year ago. Can your pleas have your district XXXX call me. I am requesting a courtesy to waive all charges XXXX XXXX is trying to collect from me. I have not scheduled any services, inconvenienced anyone, or caused the XXXX to lose any money and I am requesting that my services be cancelled and my account to reflect a XXXX balance. 

Thank you very much for your understanding and support regarding this matter. 

Sincerely, XXXX XXXX