davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
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. (LA)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-28
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: Bread Financial Holdings, Inc. (CA)

I was effected by XXXX XXXX - hospitalized. This account was paid in full and occurred interest charges that we added to account during hospitalization
Consumer complaint received 2022-03-08
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. (NH)

On XX/XX//22 I paid XXXXXXXX XXXX {$470.00} as a settlement for XXXX. This meant the debt was paid in full and could not report as past due or with a balance anymore. I have disputed with Experian and XXXX to have them remove this account due to violating my right to an accurate credit report. They continue to report it with a past due balance.
Consumer complaint received 2019-04-24
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: EQUIFAX, INC. (GA)

Sent Dispute to Equifax certified mail regarding dispute. See CFPB compaint # XXXX. The CRA has failed to respond within 30 days regarding investigation. CRA recieved certified letter on XX/XX/2019 XXXX am. Equifax has failed to respond to dispute within 30 days. Under current regulations, in reference to response time, I am now requesting a complete deletion from my credit report and requesting that a full report be sent to me stating that this entry has been deleted and reflected in a full report.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$9100.00}
Consumer complaint received 2022-03-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (LA)

I recently tried to open a business account last year & I was told by NFCU that a check was deposited into my account years ago. My account was then overdrawn, closed, and the amount was never paid back to the bank. I have sent in several statements in this regard because someone tried to open a XXXX XXXX  XXXX account in my name as well. After doing my own personal research, I found out that scammers are at a all time high since the pandemic. I've been trying to correct all of my credit reports since last year. Any overdrafts on my consumer file should be paid in full. I should not any outstanding balances with any financial institutions.
Consumer complaint received 2019-03-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (SC)

On XX/XX/XXXX I made a {$48.00} minimum payment, on XX/XX/XXXX I made a {$410.00} payment because I wanted to get my utilization down to help my credit score increase some. Logged into my online account for XXXX XXXX credit and saw that they dropped my {$1500.00} limit to {$1000.00} without a warning or explanation. Now it shows my balance as XXXX with a {$30.00} credit, I have never had a negative remark or late pay on my credit report for this company so I dont understand why they would do this without notice to affect my credit. I feel like they only did that because I made a large payment. Is this company able to do that without notice? Now my credit is worst off. I contacted this company and they couldnt give me an explanation. I did research and see that they have been doing this to other customers as well.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$670.00} {$0.00} {$670.00} Credit Limit : {$480.00} {$480.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$660.00} {$0.00} {$660.00} Credit Limit : {$500.00} {$500.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I sent multiple dispute letters to XXXX, XXXX and Equifax regarding inaccurate information and they sent back a letter stating that the accounts are verified and updated still with inaccurate information. This has cause alot of hardship stop me from buying a home and being approve for other credit cards.
Consumer complaint received 2021-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

I received notice that my credit score had dropped due to a collection account in XX/XX/XXXX. I logged into XXXX  and found a collections account for XXXX XXXX XXXX for {$5800.00}. I originally thought this debt was not mine and submitted a complaint that I did not owe this. XXXX  agreed with me and removed the debt from my report. 

In XX/XX/XXXX it popped up again with an new collection company Enhanced Recovery Co. I disputed this again. Except this time they sided with the collection agency and said I owed it. I did some research and found it was a collection from XXXX for an unpaid bill. This was news to me because my XXXX bill was paid in full monthly and I never missed a payment. 

I found that the account in question was a closed account with XXXX when I updated my last phone. XXXX started a new account and closed the previous one out. 

In XX/XX/XXXX someone had ordered 4 XXXX XXXX, a XXXX XXXX XXXX, and a XXXX watch under the old account number associated with me. I never received a bill or notice this had happened until it went to collections. Now I have been fighting to get it removed my credit report. 

In XX/XX/XXXX I called XXXX to have the debt disputed. They agreed over the phone this is not my debt and my current account is in good standing. I submitted a fraud dispute on their online dispute center and never heard back. 

In XX/XX/XXXX I called XXXX  to question the last result to not remove the debt. They filled a fraud dispute and told me to file a complaint with the FTC. 

I have attached the bill of the account that was fraudulently used to purchase the equipment in my name.
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XX/XX/2018 found a hard inquiry on my credit report that I have no idea about. Tried calling them and they wanted my card information to sell me a XXXX gift card..after refusing many times I asked for the fraud dept. The number they gave me was XXXX which is the number for information, I tried calling back and they blocked my number. I have called trans-union about this and they said they can not help. I called the Fed. Trade Comm. and they haven ; t helped. I just want this hard inquiry off my credit.
Consumer complaint received 2019-03-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (TX)

On XX/XX/2019, received an alert notification from XXXX that an account from Sunrise Credit Service was added to my report. I did not receive written notification from the company before added to my report. Also, I have never done business with this company, therefore, do not owe this company.
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern XXXX, XXXX. XXXX XXXX, XXXX, Georgia XXXX XXXX, XXXX. XXXX XXXX, XXXX, Texas XXXX Trans Union, XXXX. XXXX XXXX, XXXX, California XXXX I recently pulled a copy of my credit report and noticed the following information is in error : 1 XXXX - PULLED ON : XX/XX/XXXX *** NO RECORD FOUND *** IT SHOWS NORECORD FOUND 2 TRANSUNION - PULLED ON : XX/XX/XXXX - INFILE DATE : XX/XX/XXXX NAME : XXXX XXXX NAME : DOB : XX/XX/XXXX SSN : XXXX MY SS NUMBER IS WRONG PLEASE FIX 3 XXXX - PULLED ON : XX/XX/XXXX - INFILE DATE : XX/XX/XXXX THIS IS NOT CORRECT I BEEN LIVING IN THIS ADRESS FOR MORE THEN 3 YEARS NAME : XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX , XXXX XXXX , FL XXXX XXXX REPORTED XX/XX/XXXX I I lived at these addresses. Since XX/XX/XXXX Please remove them. 
My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I been living there since XX/XX/XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, PLEASE UPDATE MY PHONE NUMBER XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I had about XXXX reward points in my Bank of America Merrill+ credit card. The points are worth about {$1000.00} in redemption value. 

On XX/XX/2020, Bank of America suddenly closed my credit card without giving me a chance to redeem the reward points. This is a classic bait & switch tactic. Bank of America earned credit card processing fees because of my card usage. By denying my ability to redeem these rewards points, Bank of America kept all their credit card processing fees thanks to my business, but refusing to give me the credit card rewards as promised.
Consumer complaint received 2018-09-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Profit Services Group (GA)

On XX/XX/2018 started receiving calls from Profit Services Group. stating I owed a debt on a recorded line. I informed them, I do not want to be record. That request was ignored and the call continued without consent and I said nothing. The person on the phone threatened me with credit harm. 
On the very next day received the same phone call. I informed them I do not discuss my personal business via phone, please submit in writing to my address you have on file. No more communication via by phone. And the company refused to adhered. 

The next day received another call with threat of ruining my credit. Again I stated I do not want to be record. They still recorded the conversation. They faxed over some information and it stated I had 90 days to dispute the debit. 

I immediately disputed the date. Now the debit is on my credit and my score has dropped XXXX points because of them. I have denied credit because of their neglect.
Consumer complaint received 2022-03-08
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. (PA)

XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$670.00} {$0.00} {$670.00} Credit Limit : {$480.00} {$480.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$660.00} {$0.00} {$660.00} XXXX XXXX : {$500.00} {$500.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I sent multiple dispute letters to Transunion, XXXX and XXXX regarding inaccurate information and they sent back a letter stating that the accounts are verified and updated still with inaccurate information. This has cause alot of hardship stop me from buying a home and being approve for other credit cards.
Consumer complaint received 2020-07-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: COMMUNITY CHOICE FINANCIAL, INC. (SC)

On XX/XX/XXXX a processor for XXXX XXXX 's locating office called and left a voicemail about a company, XXXX XXXX XXXX, XXXX attempting to sue me on counts of breach of contract and fraud. After leaving me a voicemail, the processor, XXXX XXXX, also contacted my employer and a friend of mine. These actions prompted my employer and my friend to call me and provided me with a case number as well as a contact number. When I called into the number for the collection agency, the agent claimed there was an amount of {$1200.00} due to a Cash Central creditor. The agent requested payment with a payment plan option and sent a vague validation letter to my email address. The agent also did not have my correct address on file and my gender in the letter is not correct. I have not received a written notice of debt. I even tried obtaining this information from the original creditor when the debt first appeared over 4 years ago and was not given a response. The last date the original creditor, Cash Central,  reported any kind of debt was XXXX of XXXX. The account has shown closed since XXXX of XXXX and no further communication was put out from the creditor.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (LA)

Credit Corp Solutions sent me a letter stating that I owe a bill for {$120.00} to XXXX but never had a bill on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and also said its not on my credit report by asking me for information on myself which I didn't give to them
Consumer complaint received 2021-11-04
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. (MI)

The attached documents show XXXX failed to live up to the terms of the MPN for my Private Student Loans they acq uired from XXXX. 1. XXXX XX/XX/XXXX response to CFPB ( page 17 of doc ) explains the loans were in deferment XX/XX/XXXX- XX/XX/XXXX and as such " they did not provide statements. '' Page 14 of the attached doc ( p. 4/6 of MPN ) clearly states repayment conditions. Among these are : 1 ) I may, but am NOT required to make payments during deferment/forbearance periods, 2 ) XXXX  was to have supplied statements during the deferment period to keep me abreast of interest accrual and outstanding balances ; 2. XXXX XX/XX/XXXX states XXXX and XXXX subgroups were in a disaster forbearance that was retroactively applied from XX/XX/XXXX thru XX/XX/XXXX. Therefore no derogatory history should report period ; 3. XXXX erroneously charged off an account that had been in forbearance and/or deferment BEFORE the due date for the statement generated XXXX XX/XX/XXXX ( see p. 23 - 24 ) Thus, XXXX improperly billed and reported inaccurate payment history to the CRAs and violated terms of the MPN because XXXX failed to deliver statements during the deferment and/or forbearance period ( s ). These types of violations are consistent with the haphazard processes that led the CFPB to issue consent order XXXX.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: First Investors Servicing Corporation, Atlanta, GA Branch (GA)

First investors Financial services sold this debt to XXXX XXXX XXXX XXXX XXXX and one XX/XX/XXXX I paid the amount owed in full but they are still reporting on my credit Date account open XX/XX/XXXX XXXX
Consumer complaint received 2022-07-08
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. (NY)

I sent a letter to each of the 3 credit bureaus ( XXXX, XXXX, and Equifax ) on XX/XX/2022 via certified mail. These are the tracking numbers for each letter ; XXXX XXXX, XXXX XXXX, Equifax XXXX. 

The letters were sent to the credit bureaus so they can investigate the inaccurate information on my credit report and delete or correct the disputed items that are listed in each letter. According to the Fair Credit Reporting Act Title 15 U.S. Code 1681 et seq., and the Code of Federal Regulations Title 12, Chapter 2, Part 222 et seq. inaccurate information and discrepancies should not be on my credit report.

Also according to 15 U.S. Code 6802, I have the right to privacy and my nonpublic personal information is not supposed to be disclosed to any nonaffiliated third party.The attached documents will show that my Federally protected consumer rights have been violated.
Consumer complaint received 2021-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

Was contacted by portfolio recovery on a debt that XXXX XXXX sold them but has already been paid! Basically XXXX XXXX just scammed them! Im sure it was a mistake but I just want this corrected before Portfolia recovery tries to put this on my credit! A written correction!