davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-16
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. (MI)

XXXX  and the other two burus is reporting an old XXXX XXXX  account. I only had ONE credit card with these people and they have it listed twice! Two accounts! Two different account numbers, two different opened dates etc. Ive disputed with them 5 times on this and sent written disputes as well. They are telling me its a single entry. How is it listed twice? I had one credit card with them! I want these deleted immediately or Im seeking legal recourse. XXXX XXXX for one doesnt allow you two credit cards so this is impossible and second looking at the dates they wouldnt give you another card if you defaulted and were late on the first lol. Im going to assume its either a mistake on their end and someone elses account is on mine or they sold the debt.This is ridiculous. I feel its laziness on their end. They should know having two accounts with XXXX XXXX and the first was late you wouldnt get another. I ONLY HAD ONE CARD WITH THEM. The problem with that is which one is the accurate account? This is my livelihood its not okay to disregard my multiple complaints and disputes about your innacurate reporting. I wont stop until this is fixed. Its principle at this point. 
Thank you
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (PA)

COMENITYBANK/VICTORI Inquiry : XXXX XXXX, XXXX COMENITY BANK/VCTRSS Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX/XXXX Inquiry : XXXX XXXX, XXXX I have never heard of these and never authorized these charges. I was looking for an apartment and she gave me details on my credit and heard these but never filled out information.
Consumer complaint received 2023-04-13
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. (MD)

XXXX Account was created XX/XX/2022, due to identity theft, and as a result it is being reported on my credit report with inaccurate information. Also XXXX and Transunion continue to report this inaccurate information, which is a part of identity theft, Police Report attached
Consumer complaint received 2022-04-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX/ {$17000.00} / XXXX/XXXX/2020
Consumer complaint received 2022-04-04
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX/ {$0.00} / XXXX/XXXX/2018
Consumer complaint received 2019-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Sometime last year in XXXX my credit card was closed and then in XXXX all my other accounts with Bank of America was closed by them and when I asked why I was told because we can and we dont have to tell you and now I have a debt of XXXX $ on my credit report that I cant seem to get off
Consumer complaint received 2020-09-16
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: Experian Information Solutions Inc. (TX)

I found the following fraudulent accounts on my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX {$760.00} act # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-04
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: SYNCHRONY FINANCIAL (NJ)

My card was used fraudulently and 2 of the 3 charges were reversed but Synchrony Bank is reporting that I am responsible since it was shipped to my address from XXXX XXXX. Tracking number provided by bank comes up invalid. Fraudulent charge is about {$1000.00} for a raincoat I did not purchase or have shipped to my address.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Sir, I have told you about my problem that I took subscription of Transunion XXXX of 1 year on XX/XX/XXXX but it's not activated yet.Transunion XXXX informed me that you don't send any ammount of 1199 RS but I have proof of Bill generate from XXXX ID that shows you get it ammount. 
XXXX id- XXXX Order id- XXXX Document no- XXXX XXXX XXXX XXXX XX/XX/XXXX Service no- XXXX I also tell Transunion XXXX If you don't get ammount of 1199 RS then you informed me through XXXX about this bill which is generated by XXXX ID but Transunion XXXX dont reply this mail.I also call XXXX XXXX XXXX he also tell me that your payment send to Transunion XXXX and a invoice send to you about this payment we do not refund this payment if XXXX is not released first your payment but XXXX XXXX not acpect it.so sir help me this this problem.
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Please be advised this is in ref to the the complaint XXXX with CFCP. Please note that conversations held with Capital One advised that they refused to reopen the account based off their own determination of my claim the account was closed under incorrect circumstances. Please note that contact was never made with the credit company they only kept giving me the run around sending me to various departments and advising that nothing can be done once i spent a prolonged amount of time on hold only to be told a supervisor will contact me the following day which would not happen. Please note this complaint is not in an effort to reopen the account rather I do not want to continue down that path. I request that my account for this particular card be removed from my credit report account and reported to all credit reporting agencies since the balance was satisfied and processed the day after they closed my account after stating not to worry about it.I respect the art of business. And i respect policy and procedure, but as a consumer when you are reportedly being lied to and silenced it's a frustrating experience. Also it's fair to note that the account was satisfied not even a day after they closed the account with out my knowledge/ or any contact being made the day of.
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WI)

My husband and I are attempting to get a refinancing loan for our house. Our lender contacted us to inform us of a problem. Two of the credit reporting agencies are reporting my information correctly. Equifax is saying that I have no credit file with them. Our lender gave me the name of the person showing up on the credit report that they received using my SS #. The name is that of my deceased brother. My brother and I have very similar names ( I kept my maiden name ) and our SS # are exactly the same except for the last two digits. So Equifax has my SS # in their system, my credit info ( house loan, car loan, credit card info ), but all that info is under my dead brother 's name. As I explained to Equifax, since my brother died over 8 years ago, it is impossible for him to have taken out a car loan four years ago, as well as opened a new credit card within the last few years, much less be making payments on all of this. Incidentally, my credit score is very good. Equifax 's mistake in creating a mixed account between my brother and me and is causing me to not to be able to refinance my house loan -- the locked in rate is only good for another 2 weeks and it is the only info that our lender is waiting on.
Consumer complaint received 2021-04-26
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. (WA)

XXXX XXXX is misreporting a balance on a charged off account that was sold to a collection agency named XXXX XXXX. The charged off account is also reporting on my wife 's reports and she was only an authorized user and never responsible for the account. The collection was subsequently paid and XXXX agreed to remove the collection fully from my reports but hasn't yet. I have included a screenshot of the accounts from a joint credit report of mine and my wife 's.
Consumer complaint received 2022-04-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (CO)

I contacted XXXX XXXX regarding a debt showing on my credit report with account Numbers : XXXX, XXXX, XXXX I was requesting validation on all charges of account to my name. The hospital sent me statements listing all services provided by them. First of I understand that statements are not validation of debt. I also know that by sending me statements with services provided to " me '' at the time of admission is a breach of security per Federal Statues. The furnishing of my alleged accounts information to Medical Data Systems INC is not in compliance with HIPAA or North Carolina which was at the time my state of residence. Privacy Act. and any subsequent reporting of this account on my credit report to XXXX, XXXX, or XXXX is a clear violation of Public Law 104-191 ( " HIPPA '' ).
Consumer complaint received 2022-04-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I have made several attempts to get a repossession from my credit report! This is outrageous and it is keeping me from moving forward with my life. I have not only filed a report with you before but also the credit agencies and the creditor, XXXX XXXX. I am so tired of this! I want the account XXXX removed based on the law 15 U.S. Code 1681a - Definitions ; rules of construction under ( 2 ) exclusions letter B. I will attach it to my complaint.

I want this removed ASAP. I am currently consulting a lawyer. I have anxiety that this has contriuted to. I am also a victim of the breach at Equifax.

I keep being told by the credit agency to call the creditor and they tell me to call the credit agency. I was even told by XXXX XXXX that they would remove it and they didnt. I called them back and they wouldnt honor it. What a joke! Where is the customer service and law abiding companies.
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

2 weeks ago someone. ( I had card on me while time ) withdrew from XXXX XXXX ATM XXXX dollars I was not in area I already lect there and was. Buying stuff. Across town town. Called BofA. nd told them.wS told I ten says I wohld have a xredit. During investigation I also verified my identity. At edd ths sMe day i reported to BofA they also snt me a nea card as soo. As j called the XXXX zaid it aohld work and I get notice in miso about credit. Then i callex ten days. my card. activation. Would not work then that st i was told that guy did t sY that my account was frozen and I need to ... .. Which i did all they asked and they zaud they cant turn on to wait. And. Areprt report the .missing XXXX dollars after the card turns o. To call them black but they zId they cant do anything. And all the breaking of the contract. Terms and condition.
Consumer complaint received 2021-02-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

I noticed some inaccuracy on my credit report and disputed the account with the ( creditor ) XXXX XXXX XXXX XXXXXXXX, Also with the Debt collection agency Credit Control Corporation. I also informed them that the information was invalid. They also took my information without permission and made their own decision to report that debt on my credit which I do not owe. They have yet to comply to my requests to remove this inaccurate/invalid information from my report. I am seeking out to you to resolve this issue and follow through with my request. 

According to 15 U.S. Code 1692a - Definitions ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Credit Control Corporation is a third-party debt collector attempting to collect an alleged debt. 

According to 15 U.S. Code 1692e. False or misleading representations ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.
Consumer complaint received 2017-06-22
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)

Have tried to fix the following problems with the Credit Agencies and sent letters to each company and spoke to them on the phone. 1. XXXX was paid in settlement XX/XX/XXXX Balance ( XXXX ) as of XX/XX/XXXX still being listed in collections, it should have been moved to an account with negative remarks and they are refusing to do so. ( All Three Agencies ) ( XXXX XXXX. ) Want they fined the {$1000.00} and removed. 2. XXXX XXXX XXXX- Paid-In-Full XX/XX/XXXX {$1500.00} still in collections area XXXX, TransUnion , XXXX listing as negative account status of Collection/write-off, Fraud. Paid-In-Full,  Unjustly harming my credit score. Want they fined the {$1000.00} and removed. ( XXXX XXXX. ) 3. XXXX XXXX - Paid in settlement XX/XX/XXXX   {$160.00} Account listed still as Collections/ write-off, There is no collections when account was paid in settlement. I agree that the status can be paid/write-off or paid/closed and the account activity or comments field be utilized to state that the account was a collections/ write-off paid in settlement leaving balance {$150.00}. " I have return receipt of letter sent to all listed above all claim they have done their part and blame credit agencies. I have even offered to pay the remaining written-off amount if they would take care of these errors all have said no. '' XXXX told me to pay them and XXXX  would remove collection effort, lie, I have email from XXXX telling they wo n't remove it from collection it a trademark!
Consumer complaint received 2020-09-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OLD NATIONAL BANCORP (IN)

In an attempt to gain access to funds to help obtain funding for necessary items and not having the surplus due to supporting another family during the pandemic. even with good credit no missed payments in 14 years and full time employment that has not ended during the crisis. 1 area that our balances of revolving credit is too high to income ratio is stopping us from gaining needed money to keep from having failing finances and no lender is willing to help. No offers of any kind of assistance other than denials due to high balances. We thought financial assistance was being provided for individuals?
Consumer complaint received 2020-09-16
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. (MA)

DEAR MANAGER/XXXX! How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Consumer complaint received 2017-06-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Federal Credit Control, Inc. (FL)

On XX/XX/XXXX, at XXXX, I received a phone call from First Federal Credit Control , a XXXX XXXX , for a medical debt owed in the amount of {$540.00} from an unpaid bill in XX/XX/XXXX-XX/XX/XXXX. I requested a settlement of the matter. XXXX XXXX refused and yelled at me that I needed to pay it in full or she did n't care if it stayed on my credit report. She continued to be aggressive in her tone and inappropriately threatened that she will not remove this debt off of my report until I paid it. I calmly explained, XXXX I am trying to settle this with you and I am not refusing to pay, but I would like to settle it. She continued to yell " your only option is to pay it in full or make payments and I do not care if this stays on your credit report, pshh '' She continued to huff and puff at me while I was very calm with her. She yelled " ya know what XXXX, you are not going to settle this obviously '' and she hung up on me. I called her back at XXXX XXXX and XXXX XXXX answered the call. I said, " XXXX, this is XXXX and I do n't understand why you hung up on me '' she yelled XXXX, I am the supervisor here and nobody is going to tell you any different, now do not call back!! '' At that point, I took the initiative and contact the original creditor and explained to XXXX XXXX XXXX XXXX that I want to pay the debt, but the credit agency refuses. XXXX, with XXXX XXXX accepted my {$300.00} payment towards the balance and stated she would report the behavior of the agency.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (PA)

My husband lost my credit card almost a month ago. Someone reported it lost. Citi called me to let me know theyre closing the account and reissuing a new card. A few weeks go by, and nothing. Then last week, I called to follow-up about the card not being mailed and they told me my new account was permanently closed by requesting. I reached out to the supervisor on duty that day with Citi, and they said they will give a redetermination. A few more days went by, I called to check the status, and they said it was denied. They submitted another one that is currently pending as of today. This whole ordeal is highly inconvenient, since its apart of my protection as a consumer to have my account protected by the company deactivating my old card and issuing a new one, now I am without a credit line because they refuse to reopen this. I think its a violation of their own terms, and an unfair decision to close my account when I have done NOTHING wrong. I have perfect credit payment history, and to be punished for losing my card is really upsetting.
Consumer complaint received 2022-04-04
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act the following companies 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-04
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: SYNCHRONY FINANCIAL (GA)

On XX/XX/2021, a fraudulent hard inquiry from SYNCB/PAYPAL, was pulled on my XXXX credit report, and I am trying to have it deleted as I did not authorize it.
Consumer complaint received 2020-09-16
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: EQUIFAX, INC. (MA)

DEAR MANAGER/XXXX! How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.