davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-25
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. (KY)

I have submitted disputes, called to dispute XXXX XXXX XXXX   XXXX. The account does not belong to me and can not get Equifax or XXXX XXXX XXXX XXXX to provide me any information that it belongs to me. They are withholding information and refusing to delete the collection that does not Belong to me. I have disputes on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-06-11
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
The following Accounts : XXXX : Lease with 4 late payments in the past 12 months, most recently in XXXX. account. # XXXX XXXX  : XXXX XXXX for {$2700.00}. 
Account # XXXXXXXX XXXX XXXX XXXX Installment loan collection for {$2600.00}. 

XXXX XXXX XXXX collection for {$1200.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX  collection for {$1000.00}. Account # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX  collection for {$1000.00}. 
account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX collection for {$1000.00}. 

XXXX XXXX : XXXX XXXX collection for {$340.00}. 

XXXX  : Fitness For 10 collection for {$230.00}. 

XXXX XXXX : Secured loan collection for {$150.00}. 

CREDIT COLLECTION SERVICE : XXXX  insurance collection for {$140.00}.
Consumer complaint received 2018-08-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

A few months ago I checked my credit to learn that I have a collection account. I attempted to dispute the item with the credit bureaus, they returned and stated the accounts were verified. I then made contact with with the collection company in writing requesting verification. After several communications back and forth over two months they have still not removed the items nor have they sent anything to verify  the debt. Furthermore, I requested information on their registered agent within my state and have filed to provide that information. Please assist me!
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

HERE ARE THE OTHER COMPANIES THAT ARE SHOWING AS HARD INQUIRIES ERRONEOUSLY ON MY CREDIT REPORTING : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-06
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. (OH)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2018-03-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Hi Wells Fargo is closing my account by the XX/XX/XXXX or the XX/XX/XXXX due to some fraudulent activity on my account. They want to close my account because it is in the negative and they are blaming me and closed the case. Wells Fargo fraudulent activity on XX/XX/XXXX in Florida when Im in California
Consumer complaint received 2021-12-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL (TX)

I owe about {$2200.00} to Synchrony Amazon, ( which is the bank that collects funds for debts owed to Amazon.com ). I am not able to log into the Synchrony Bank website to try to pay the debt with my credit card online. I sent a letter in the U.S. Mail to Synchrony Amazon and it came back returned without being opened because the laws of the U.SXXXX government are required to do that in the case of defaulting on debt payments. Their website states that I must call them on the phone. I refuse to call them on the phone. They are required by law to send me a statement in the U.S. Mail along with an envelope for the purpose making the payment via the U.S. Mail. They are deliberately trying to circumvent that method of being paid because of the marketing policies that concern their brand name as a big reputable bank. I want them to send me a statement immediately.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2021-12-06
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. (FL)

After reviewing my credit file I realized that there were some discrepancies on my credit reports that are violations of my consumer rights according to the FCRA. Both Equifax and XXXX are reporting two different amounts for the high credit and the credit limit on my credit reports for XXXX XXXX I am distressed that they have included this information on my credit profile and have failed to maintain reasonable procedures in their operations to assure maximum accuracy in the reports that they publish.
Consumer complaint received 2021-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

i have contacted all 3 credit bureaus as well as XXXX XXXX XXXX 5 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$9900.00} balance and it is also reporting a high credit of {$19000.00} and a past due of {$9900.00} ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be...
Consumer complaint received 2018-08-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect (WI)

Hey this is XXXX from XXXXXXXX XXXX I'm a debt collector. ID number XXXX   and this is an attempt to collect a debt. Any information obtained will be used for that purpose. You can reach me at XXXX or you can chat with me XXXX. I'm in the office Monday through Friday from XXXX XXXX to XXXX XXXX Central Standard Time and Saturday from XXXX to XXXX. Again I am a debt collector with America collect at XXXX. If I have the wrong number. Please feel free to give me a call and let me know. Thanks and have a great day. 

PLEASE NOTE THAT MY CALLER ID INDICATES THAT THE NUMBER IS COMING FROM A XXXX NUMBER AND I HAVE NOT CALLED THEM BACK
Consumer complaint received 2022-06-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

i purchased a Tablet from Best Buy and i returned it in 24 hrs because it was not working they send me email that they are not returning because of code issue i have no idea what is the code they talking about. i called and finally they found the error but they never credit me back my money or even send the item back to me. and every time i called i will be transferred to too many people and they promise me they will credit back my money for more than a year and half i didn't get my money back or the Tablet. its like a scam
Consumer complaint received 2018-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (CA)

I have my Home Point Financial account setup on automatic ACH and have plenty of money to pay my mortgage, Home Point Financial has internal issues and is not taking payment after repeated calls and me providing the ACH information again and again.

- XX/XX/XXXX no ACH payment deducted from my account - XX/XX/XXXX start getting letter demanding to payment - XX/XX/XXXX get a letter saying sorry our system had issues, we have rescinded bad credit notices from bureaus - XX/XX/XXXX start getting repeated automated calls from homepoint - XX/XX/XXXX talk to a person who says we need your ACH again, very odd call almost felt like a scam. Told me they would process the payments.

- XX/XX/XXXX no ACH payments for XX/XX/XXXX or XX/XX/XXXX - Get more threatening notices, if I don't respond by XX/XX/XXXX we will terminate your loan.

- Call in XX/XX/XXXX to say WTF is going on, the person responds oddly and says we need to move your mortgage do you agree. I continue to question them, they say the prior ACH request was done to early which is why it didn't go through. I very upset say I don't know what you guys are doing but this is all on your end and why are you sending letters, messing with my credit, and stressing me out for no reason. She promises me this time the ACH will go through and it did.

- XX/XX/XXXX I get an envelope with hardship letters, etc and they say please file by XX/XX/XXXX to save your mortgage. 

Avoid this company at all costs.
Consumer complaint received 2022-06-11
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I contact Experian to dispute a XXXX XXXXXXXX XXXX FL XXXX XXXX reference number XXXX and sent them proof that validation is incorrect for the following reasons XXXX Court address is wrong XXXX I contact the court and there response was they do not report any records or information to the credit reporting agencies. 

and they do not want to remove this item from my report and they still saying that was verified as accurate when is more that clear that the court address is wrong and I got a response letter from the correct court
Consumer complaint received 2018-10-12
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (CA)

I co-signed for one $ XXXX total education loan thru Sallie Mae / Navient. After signing for one loan the company issued two loans, one for $ XXXX and a second for $ XXXX, under two different loan numbers totalling $ XXXX. The primary borrower has since made over $ XXXX in combined principal reduction payments which should have relieved me from the original co-signer responsibility. However since they issued two separate accounts, they billed and credited the second account enough to close it first, leaving the me as the original co-signer holding the bag on the extra un-disclosed amount. I have made several calls to Navient filing complaints about the second loan amount and the double accounting problem. They refuse to acknowledge any problem.
Consumer complaint received 2018-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I have sent XXXX XXXX XXXX XXXX a letter on XX/XX/XXXX and XX/XX/XXXX asking them to VALIDATE this debt they claim I owe them or XXXX  XXXX. XXXX, XXXX only keeps sending me billing statements which is not sufficient VALIDATION that I owe them anything and they know that. These billing statements themselves could be fraudulent. If they are a collection company that works with XXXX XXXX or BUYS DEBT from XXXX XXXX then they should have the proper documentation from XXXX XXXX with my signature agreeing to pay XXXX XXXX and VALIDATING this is in fact my account and that I agreed to pay them this amount. There is also a letter XXXX, XXXX sent me but it says its from XXXX XXXX saying that XXXX, XXXX owns the account and that it is not an attempt of XXXX XXXX trying to collect a debt. I am going to need VALIDATION THAT I OWE XXXX, XXXX {$360.00} and {$400.00} if they can not produce these documents I demand them to remove it immediately.
Consumer complaint received 2018-08-01
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC (MD)

This Collection agency ( Transworld Systems Inc/TSI ) is relentless and very unethical. TSI provided a very old ( " 2005 '' ) copy of a loan that was signed and date before I filed Bankruptcy and they are relying on a paragraph ( Section 12 ) of the old document instead of adhering to the Court Ordered/Discharged Bankruptcy document that was provided to them. The old 2005 Loan agreement is MOOT after it has been included in the Bankruptcy and discharged.

As stated to Ms. XXXX XXXX of TSI " If a consumer can prove hardship while filing Bankruptcy ; Private Loans that are included in the Bankruptcy can be discharged and XXXX XXXX XXXX ( XXXX ) /XXXX XXXX XXXX ( XXXX ) were both included in the Bankruptcy and Discharged one of the loans were even a " ChargeOff ''.

However, they have an Attorney by the name of Mr. XXXX XXXX who is a " Personal Injury '' Attorney handling the XXXX XXXX XXXX ( XXXX ) loans.

Because of the very shady business practices of TSI  and constant violation ( s ) of the Federal Consumer Laws and the Bankruptcy Federal Court order, this agency, investor of the loan ( s ), etc. needs to be investigated, that is obviously audit, and sued. I do believe that I am not the only consumer that is being bullied by their antics.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a credit card with XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX  with no successful resolution. XXXXXXXX XXXX, and TransUnion reporting me 30 days late on XX/XX/2018. There was an error on their part. I was never late.
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried several times to get the late payments reversed on this account! I am very upset that I have NEVER missed a payment. I need this adverse action removed from my credit report as I am an XXXX and this is causing headache to get approved from banks as I never miss my payments! Please remove it IMMEDIATELY. I have attached a bank statement and my identity proving me as the right person, and that I have always paid my payments on time. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Phone : XXXX TransUnion XXXX XXXX Account # XXXX XXXX XXXX
Consumer complaint received 2020-01-30
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. (NH)

On XX/XX/2019, I reported a possible purchase fraud ( Actually it was my purchase ) for {$1700.00}. After Citi bank finished fraud investigation, Citi bank posted double charges to me. I contacted Citi bank many times and also vendor ( XXXX ). The vendor told me only charged once but Citi bank declined investigation with the reason of the post date beyond 60 days. When I claimed duplicated charge at early XX/XX/2019, it was already beyond 60 days ( initially posted on XX/XX/2019 ). But Citi bank still asked me to offer further information. I provided all information during XXXX and XX/XX/2019 period. But Citi bank sent me a letter on XX/XX/2019 to say it was beyond 60 days. The vendor sent me email letter on XX/XX/2019 to say only charged once and ask me to let my bank to file duplicate charge. I contacted Citi bank many times and each time representative always let me wait 7 to 10 business days. 
My XXXX credit statement only posted single charge. But XXXX statement became double charges. Citi bank representative understood the problem but told me the decision depends on investigator. So that it becomes call-wait-call-wait.
Consumer complaint received 2020-05-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CA)

This number has been calling me no less than 7-10 times PER DAY for WEEKS on end, including early mornings, weekends, and national holidays!! From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it called my personal cell phone OVER 25 TIMES, starting at XXXX and continuing well into the evening. 

When it connects to my voicemail, the message left is always blank air. Usually, they dont even leave a message. This incoming number displays as XXXX XXXX ( or SPAM RISK, depending on which of my app filters it ) on my caller ID logs and on my apps that filter out SPAM and Robocalls. This number is one for Synchrony Bank and is used for collecting past due payments for PayPal Credit. 

I have a PayPal credit account, but my account is active and NOT PAST DUE!!! Ive spoken to PayPal credit and Synchrony Bank about this erroneous, DAILY HARASSMENT, and even after allegedly stopping the calls on their end and deleting my phone number from my account, I AM STILL RECEIVING DAILY CALLS!!!! 

This number needs reported to the FTC by EVERYONE who is being harassed by them ; people need to do so immediately. This constant calling is well-past harassment, is illegal, and they should be served with a class action lawsuit.
Consumer complaint received 2021-06-26
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. (FL)

It Has been more than 30 days since I sent my dispute letter to Transunion about investigating an inaccurate account on my credit report. Transunion has not responded to me via email or by mail with any results. Transunion is not upholding the law since it has been over 30 days with no response with my investigation. My dispute letter was mailed XX/XX/2021. They need to delete this inaccurate account from my credit report. ( XXXX XXXX ).
Consumer complaint received 2019-08-27
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)

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page 4 of my credit report attached. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX  have not removed this from my credit report. I have contacted the two bureaus to fix this issue but I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.