davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
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. (LA)

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Inaccurate names and a dress have been posted on my credit report for different collection agency. Names do not match and addresses do not match to me. Please have them update my credit report and have the charge-offs, collections removed that do not match my credit report.
Consumer complaint received 2022-07-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CT)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2016-01-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TX)

Experian is reporting a tax lien with incorrect information. I 've called and sent in requests for information to be removed with no help. They continue to report inaccurate information which has hurt my personal life moving forward. I have been denied credit and or rental requests due to this inaccurate information. They need to reveal the verification they 've done or remove asap.
Consumer complaint received 2021-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo Card Services was paid in full in 2017, regarding and alleged account ending in XXXX, they are harassing me by continuing to report a damaging account on my consumer report and it has caused me damages and denials of credit, they are in violation of 15 USC 1692d harassment or abuse. In accordance with 15 USC 1692a the term creditor is a natural person and thats the law. I am enforcing my rights according to 15 USC 1640 civil liability for the amount of {$2000.00} from Wells Fargo Card Services for damages
Consumer complaint received 2022-07-06
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, and XXXX & XXXX XXXX XXXX have 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 : States a consumer reporting agency can not furnish an account without my written instructions.

I never gave my written consent for the furnishing of any of these accounts. I will pursue {$1000.00} per violation if the accounts are not deleted immediately.
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

I opened a secured credit card with Discover Bank in XXXX. Upon opening of the account an initial security deposit was placed to secure the account. 

Discover Bank closed the secured credit card account and failed to apply the initial security deposit to the outstanding balance on the account. This has resulted in fees, late charges, interest and other accruals with the account. 

The account was opened on XX/XX/XXXX with an account number of XXXX. The balance reported as of XX/XX/XXXX is a past due balance of {$390.00} when this account had an initial credit limit of {$200.00}. This account also included fraudulent charges made to the account which do not reflect the outstanding balance.
Consumer complaint received 2022-07-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2022 the first letter was sent to the 3 bureaus asking for an investigation on the following account " XXXX XXXX XXXXXXXX '' Account # XXXX in the amount of {$2500.00}. I sent a letter to the collection company asking to please verify this account. No respond was received within the 45 days after the letter was delivered. There was No written notice from any of the Bureaus informing me of the result of the investigation. Recently, I noticed a discrepancy in the balance amount. This amount has increased every month for the past 3 months. I'm requesting assistances with inaccurate information on my credit report.
Consumer complaint received 2022-07-06
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. (TX)

At the beginning of the year I hired XXXX to help me fix my credit and remove negative items. The law firm sent out challenges, letters, etc to specific companies one of which is XXXX. Fast forward to XX/XX/2022 XXXX closed the account and it has a {$0.00} balance on my XXXX credit report. So I assumed the company responded or didnt respond to XXXX. I called the company XXXX regarding an item on my credit report. The rep I spoke with read the script to me saying this is a recorded line, etc. She then stated that XXXX didn't have any accounts with my name on it that they could file on my credit report. I then stopped her and said that the company was indeed reporting on my credit report. She mentioned that it was odd because the account I was speaking about was paid in full and shouldn't be on my credit report. She transferred me to have it removed but nothing happen. I spoke with them in XX/XX/2022. 

I then filed a dispute with XXXX to investigate to get this item removed but nothing happened.
Consumer complaint received 2022-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (CA)

Discover Bank is reporting a debt on my XXXX and XXXX XXXX report as being owed and that is inaccurate. I am writing to dispute this. I do not have a signed contract with this company nor an agreement stating I owe this account or company. I have attempted to contact this company on many occasions with no resolution. I have also submitted disputes to XXXX and XXXX XXXX for them to validate this debt and provided proof that I owe this debt as well as verifying and validating the amount owed and the accuracy of this reporting. This company is violating FCRA consumer laws by reporting inaccurate information. Please reinvestigate this matter and contact the national credit reporting companies to which you provided this information to have them delete the disputed account as soon as possible.
Consumer complaint received 2022-07-06
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (MN)

On XX/XX/2022, Navient called/contacted the phone number ( XXXX ) XXXX a total of six ( 6 ) times in one ( 1 ) day to collect a past-due debt. I am not 100 % familiar with the law, but to me, this seem absurd and like harassment. No other creditor I have ever borrowed from has ever contacted me more than 1 time per day to collect on a past-due debt.
Consumer complaint received 2022-07-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (TX)

At the beginning of the year I hired XXXX to help me fix my credit and remove negative items. The law firm sent out challenges, letters, etc to specific companies one of which is NCA. Fast forward to XX/XX/2022 NCA closed the account and it has a {$0.00} balance on my XXXX credit report. So I assumed the company responded or didnt respond to XXXX. 

I called the company NCA regarding an item on my credit report. The rep I spoke with read the script to me saying this is a recorded line, etc. She then stated that NCA didn't have any accounts with my name on it that they could file on my credit report. I then stopped her and said that the company was indeed reporting on my credit report. She mentioned that it was odd because the account I was speaking about was paid in full and shouldn't be on my credit report. She transferred me to have it removed but nothing happen. I spoke with them in XX/XX/2022.
Consumer complaint received 2022-07-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

On XX/XX/2022 the first letter was sent to the 3 bureaus asking for an investigation on the following account " XXXX XXXX XXXX '' Account # XXXX in the amount of {$2500.00}. I sent a letter to the collection company asking to please verify this account. No respond was received within the 45 days after the letter was delivered. There was No written notice from any of the Bureaus informing me of the result of the investigation. Recently, I noticed a discrepancy in the balance amount. This amount has increased every month for the past 3 months. I'm requesting assistances with inaccurate information on my credit report.
Consumer complaint received 2022-07-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2022 the first letter was sent to the XXXX bureaus asking for an investigation on the following account " XXXX XXXX XXXX '' Account # XXXX in the amount of {$2500.00}. I sent a letter to the collection company asking to please verify this account. No respond was received within the 45 days after the letter was delivered. There was No written notice from any of the Bureaus informing me of the result of the investigation. Recently, I noticed a discrepancy in the balance amount. This amount has increased every month for the past 3 months. I'm requesting assistances with inaccurate information on my credit report.
Consumer complaint received 2021-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (OH)

Original creditor : XXXX XXXX XXXX, amount {$800.00}. This company has been attempting to collect on a debt that is not mine. They have sold my information to two Debt collectors within one year and because of this illegal acts, they are damaging my credit report! The new company that is now damaging my credit report with all XXXX bureaus is : Phoenix Financial Servic, XXXX XXXX XXXX XXXX, XXXX, IN XXXX. Debt amount {$800.00}. 
This company in business with XXXX XXXX XXXX is ILLEGALLY trading my information on a debt that is not mine!! And as a result of there illegal acts are destroying my credit report with XXXX, XXXX, and XXXX. Because of these predatory, illegal acts I am unable to be approved for anything due to the damage they are causing to my report. I want this deleted immediately and indefinitely from my report with all 3 bureaus, XXXX, XXXX, and XXXX
Consumer complaint received 2022-02-13
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. (FL)

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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-06-13
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. (ME)

My credit score, previously high 700s to to 800s took a large dip and my free credit monitoring service, XXXX, that my credit score went to the mid and low 600s. I received an alert that my email was 'found on the dark web '. Two fraudulent charge accounts were noted as past due, one was XXXX XXXX. I do not have/use a XXXX  credit card. ( the other was a XXXX/XXXX  account ). XXXX was very good in responding but XXXX  continues to show as delinquent on XXXX, Transunion and XXXX. 
I would like the XXXX  charge removed. They are aware it was fraudulent. 
I've contacted them by phone, initiated the Federal Identity Fraud report, and have sent the IdentityTheft letter disputing to XXXX XXXX  but they have still not taken it off my credit report asking them to close the unauthorized account and remove charges. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD Account numbers XXXX and XXXX are all I have on their report ( I don't have the cards ) Phone call to them in XXXX they told me they had no account information using my social security number etc. and that this means it was fraudulent but still have not taken action to rectify. 
XXXX XXXX
Consumer complaint received 2021-06-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc. (TX)

NCB Management Services located at the XXXX XXXX XXXX, XXXX XXXX. Contact number XXXX. This company purchasing accounts from creditors that has be filed under bankruptcy and or dismissed and reporting accounts to the credit agencies as valid and collectible dept. I contacted the credit agencies and was informed to contact CFPB to have issues resolved due to the fraudulent practices.
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

There is an inaccurate account listed on my credit report that I have requested documentation for multiple times but I have failed to receive documents via mail/fax/e-mail. 

The amount the account was placed into what appears to be a Debt Collection Agency titled " XXXX '' with account # XXXX was opened in the amount of {$120.00} on XX/XX/XXXX. The account in reference has been in collections since XX/XX/XXXX in a state which I have not resided in since XXXX. 

I have failed to receive any type of documentation from the credit reporting agency as well as the creditor/original creditors in regards to the validation of this debt. I request a formal investigation into this matter and documentation mailed to me showing the original account opening including photocopies of driver 's license at the time of opening, signatures, and other vital information required to open an account.
Consumer complaint received 2019-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NY)

I received a notice in the mail yesterday, 7/31/19, from a debt collection company called Convergent. They stated I owed my former XXXX office, XXXX XXXX XXXX, XXXX. I have not been to them in 2 years. I immediately called XXXX XXXX. They have no record of me owing that much or that anything on my account was sent to collections. I researched Convergent, who for all intents and purposes, look like a legitimate debt collection agency. I called them to settle the matter. It took over an hour for me to get through to the correct department. When I finally spoke to a rep named XXXX, he was very hostile from the start. They have this collection dated for my last appointment 2 years ago. Convergent says my debt was sold by XXXX XXXX to a company called XXXX and Convergent is trying to collect my debt on behalf of XXXX. Despite this, they could not give me contact information for XXXX. I reported this debt as fraud to them and tried to call XXXX XXXX back but they were closed for the day. I then called my previous health insurance company to check what my last claim for XXXX XXXX was. They said that I had a copay and a deductible which, again, were not anywhere near the amount Convergent is trying to collect. When I got through to XXXX XXXX the next morning, they told me the amounts that they had on file for my last payments. Those amounts did not match the XXXX at all and they were marked as paid. They said they don't deal with either of those companies for debt collection. They deal with XXXX  XXXX XXXX and gave me the number. XXXX XXXX  XXXX  says they have no record of any debt I owed on file and they do not buy or sell debt. When I contacted Convergent again, I was bounced around until I finally landed with a woman named XXXX. She said the account has been marked as fraudulent and they will contact me after they look into it. I don't understand how you can "buy debt" and have no way of tracing it back to its original source to verify if it is true or not! My credit and my sanity are taking a hit because of a XXXX debt that no one has any record of!
Consumer complaint received 2017-06-19
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. (TX)

I had a bad year with my health and the car loan that was due I was in the hos [ pital then I had a XXXX XXXX I called the XXXX XXXX and told them to pick up the car then the last time I made ther payment it was for {$800.00} dollars and that paid off the car then they did not give me a clear titel to m7y car. I will never use XXXX XXXX XXXX XXXX for anything again. I asked them to pick the car up they would not when i could not make payments so In my heart I dont think they have the right to put the missed payments on my recored I paid it off in full even when I could XXXX XXXX XXXX XXXX the car XXXX XXXX
Consumer complaint received 2022-12-03
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)

This is XXXX XXXX and I am submitting this CFPB complaint to you today to request the removal of the fraudulent accounts and information from my Credit File as soon as possile. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX and XXXX XXXXXXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance XXXX {$13000.00} XXXX XXXX Balance : {$8900.00} XXXX XXXX XXXXXXXX Balance : {$5600.00} XXXX XXXX XXXX Balance : {$6200.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$6600.00} XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (CA)

I have used XXXX for a couple years. XXXX lets you do an instant transfer to your bank by charging a fee, or you can transfer to your bank and wait 1-3 days with no fee. I have used the instant transfer several times over the course of a couple years to transfer funds to my Ally bank account. Recently Ally made an update that they will not make the funds available from the instant transfer until XXXX, or the next day depending on what time the transaction was done. There was zero notification of this change. On XX/XX/XXXX I called because the transaction did not show up instantly as in the past and was told they were doing an update to their debit card system. She implied it was a temporary issue and only happened because it was being updated. So, I did not have access to my funds. That is perfectly understandable, and I am aware banks need to perform updates. On XX/XX/XXXX, I again did an instant transfer, and it did not post immediately. I again called and was told by a rep named XXXX that it was not a temporary issue and they had changed their system. I asked for a supervisor because I was stuck out of town with a health issue and needed the funds to be able to make it home. Even though they could see the funds had been transferred they refused to make them available claiming they would either be available around XXXX or the next day. When I asked since they have known their update caused an issue that had been going on at least 2 weeks why customers had not been notified. The supervisor, XXXX told me I had been sent an email which was a complete and total lie. There were also no notifications. The point of my story is they made changes that affect customers with zero notification and zero concern as to how it affects customers. I am not sure if they are trying to get the " float '' from delaying customer access to their own money or if it truly is just an update and will go back to being instant in the future. No other bank has done this.
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY (CA)

XX/XX/XXXX - XXXX XXXX XXXX XXXX ( Fraud applicant ) XX/XX/XXXX - Target RedCard ( Fraud applicant ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Fraud applicant ) XX/XX/XXXX - XXXXXXXX XXXX XXXX Fraud applicant )