davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account placed on my chapter XXXX bankruptcy case # XXXX on XX/XX/XXXX, this bankruptcy was discharged XX/XX/XXXX. The XXXX staff appeared in court and was aware of the bankruptcy during my meeting with the creditors. They were advised by my bankruptcy trustee that the account in question is on the chapter XXXX that I filed in XXXX of XXXX. I also sent an email to the management staff on XX/XX/XXXX making them aware of my bankruptcy. I moved out of the location before XX/XX/XXXX. They placed this closed account into collections XXXX XXXX XXXX IN in XXXX, WA and is affecting my credit with Trans Union. I also submitted a dispute with Trans Union about this discharged account ( still waiting on a response ). I will be filing a complaint with the consumer finance and sending a copy if this complaint to the original creditor ( XXXX XXXX XXXX and the collection agent XXXX XXXX XXXX. Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report.
Consumer complaint received 2022-09-20
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. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX and Transunion keep reporting information on my reports that are mixed files and they have my name and last XXXX of my social security number in his credit file as well as names addresses and other wrongful information and negative accounts that are making it very difficult for us to make good use of our right to a fair credit opportunity
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: EQUIFAX, INC. (OH)

XXXX Equifax and XXXX keep reporting information on my reports that are mixed files and they have my name and last XXXX of my social security number in his credit file as well as names addresses and other wrongful information and negative accounts that are making it very difficult for us to make good use of our right to a fair credit opportunity
Consumer complaint received 2024-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

My Paypal account was hacked. Someone upgraded my personal account to a business account. Then they added the following information : XXXX XXXX XXXX XXXX, phone number XXXX and email of XXXX. When I called PayPal and spoke to an agent to close my account, the agent became upset when I asked to speak with a supervisor to confirm that my account was closed. I was put on hold over 30 minutes and the agent would come back on periodically asking why I needed the supervisor, why I couldn't just check my email to make sure the account was closed and then finally said that all the supervisors were unavailable. Finally a supervisor came on the line and she was just as nasty stating that my confirmation email is all I need to show that the account was closed. I explained that with an increase in cyber fraud, it behooves me to satisfy due diligence steps to protect my credit.
Consumer complaint received 2022-04-04
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC (IL)

Received a letter in the mail with the following text : UNDERSTANDING XXXX XXXX PLEASE KEEP A COPY OF THIS NOTICE FOR YOUR RECORD [ My Name ] Your Economic Benefits Your current loan with [ My Lender ] has been identified as benefiting from the aggressive enhancements made to XXXX XXXX eligibility. These changes will generate economic benefits for those, like you, who have a conventional mortgage. 

Some benefits could include a cash disbursement of [ Some Value ], a shortened payment term or a lower mortgage payment. 

What You Need to Do To get the necessary information, call our office at XXXX before XX/XX/2022. Please have Notice Number [ Some Number ] ready when calling our Enhancements Help Desk to discuss your new loan information. 

Note : Due to the number of homeowners positively affected by these changes, call volume may be high. To help expedite the process, please have your notice number available when calling. 


Below all this, in small print, is that the letter is an advertisement. 

JFQ lending and all other companies using this form are engaging in deceptive business practices and should be stopped.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX {$14000.00} XXXX  XXXX XXXX Account # XXXX {$18000.00} XXXXXXXX XXXX XXXX # XXXX {$16000.00} XXXX XXXX XXXXas 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 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (SC)

Penn Credit Corporation decided to put unverified information on my credit report report. I filed a cfpb complaint about a debt reported on my credit profile and they claimed to have sent it to the address that the original company sent to them. I called the company and they can not seem to find any balance that I could have owed them. At this point Penn Credit corporation is in violation of at least 8 FDCPA regulations. Each violation is listed on the attached notarized affidavit. Along with the invoice for the charges for each violation.
Consumer complaint received 2019-04-11
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. (IL)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 9, 10 and 11 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
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 information incorrect
Company: CITIBANK, N.A. (GA)

Home Depot credit services called on XXXX XXXX, 2017 saying a payment was overdue. I told the person on the phone I had NOT received a statement from Home Depot. They insisted I make a payment over the phone, so without a statement to review I went ahead and gave them my XXXX XXXX checking account information to pay the balance in full and close my account. A couple of weeks later, I received a letter from Home Depot stating my payment was refused by XXXX XXXX. I knew this could not be true the charge was {$290.00} dollars, I immediately went to the local branch of XXXX XXXX they had no record of a transaction being declined on my account EVER. I then went to the local Home Depot customer service to straighten out the error it seems the person that called on XXXX XXXX  from Home Depot credit services did not enter my account information in correctly which resulted in XXXX XXXX being unable to process the payment on XXXX XXXX. Home Depot switched my statements from paper to estatement without my consent or knowledge with caused the late payment. Home Depot 's credit card services entered my checking account information incorrectly causing my payment which was one day late not to process. When I noticed a XXXX point drop on my FICO score I  called Home Depot 's credit card services and was asked by the person on the phone, what do you want me to do about it? I am considering cancelling my Costco membership and Citi savings account due to this unpleasant experience.
Consumer complaint received 2020-09-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Adjustment Company Incorporated (FL)

XXXX XXXX sold this account to Consumer Adjustment Company in the amount of {$1200.00} on XXXX XXXX, with false pretense after XXXX XXXX has been paid by the insurance company and have tried to commit fraud against me the consumer. Then have sent my information to this company Consumer Adjustment Company to try and force me to pay a debt that was already paid once, Then continued to submit this as a non paid balance to my credit report. To intentionally report false information to XXXX. I want this frivolous charge removed off my credit report. This is illegal and I need help now. They are committing fraud.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2022-08-17
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. (IL)

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2022-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation (NJ)

I received a spam call, about me having a formal complaint against me about a debt that I never even had or owed. The company that they mentioned was One Main Financial. Ended up calling the actual company, and they were able to confirm that I do not have an account with them nor do I or have I ever owed them any money. 

The phone number that was trying to SCAM me was if a Colorado area code XXXX. 

Hope this helps others!
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (NJ)

I initially made application to Wells Fargo to obtain a XXXX card on XXXX. The application was initially declined due to " unable to verify my identity ''. I tried numerous times to resolve the problem, but was unable get anywhere. The information on my XXXX XXXX is correct. 
Wells Fargo has some other information that is incorrect. this was confirmed when they sent a letter of denial to an address that was never related to me or never mine. In fact they sent to a person i leased a car from. Not sure how. Now they disclosed my personal information to an unrelated person. I have been told i have to speak to a XXXX XXXX. I have tried him six times in six weeks and have never received a return call. even thought they claim that its their policy to call back with 48 business hours.
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: EQUIFAX, INC. (FL)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
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: JPMORGAN CHASE & CO. (FL)

I had purchased a XXXX travel club membership over 6 years ago. I haven't used the membership and thought it expired when I moved to XXXX from XXXX XXXXy and the credit card expired. Somehow XXXX XXXX was able to get my new credit card information for a card that has not been activated. I don't know how they were able to obtain this information and charge this card. I can't use the card, but they can? And I don't how they have the correct month and expiration date because I hadn't logged into that account in over 5 years. I tried to contact XXXX XXXX to question this and was placed on hold for over 30 minutes each time. This is illegal that they have this information, the card is still attached to the paper it came with along with the sticker on the card. I don't think a credit card company should allow a charge on a card that hasn't been activated. They stated I can't dispute the charge because it is pass the dispute time. I get paperless statements and never saw the charge because the card had {$0.00} balance.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I reviewed my credit report and I noticed I had a collection with a company called Portfolio Recovery. I have never had an account or sign any contract with this company saying that I will pay them for a collection I have no knowledge of. The company have stated they sent me a letter, they showed the letter in which I have no knowledge or address listed or a forwarding letter to my current address. This has put strain on my credit report with the collection agency trying to collect a debt in which they claim to have purchased from another company. My rights have been violated, I have not received any notification for the debt that has been reporting on my credit report.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (NY)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-04-12
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. (GA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES (FL)

We moved from our house back in XXXX due to foreclosure. i see the credit card used was going back i believe to XXXX i have had many cards issued that did not pertaining to me and were identity theft going back to XXXX. This debt does not belong to me.