davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2019-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I don't recognize this account. I never applied for it, I don't have any contracts or signatures with this company. I was victim of Identity Theft, somebody stole my personal information to open credit cards.
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (NY)

Good afternoon im writing today to talk to you about experian i recently tried to apply for a mortgage and new credit card with XXXX  XXXX XXXX and found out something is on my report that i need fixed XXXX  XXXX approved me for a XXXX dollar limit but denied me the card because they have the wrong contact number on file for me my number is XXXX and as for the mortgage i have dispute comments from XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX that need to be removed and i tried to call them at the number provide by XXXX  XXXX XXXX
Consumer complaint received 2019-10-18
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. (LA)

I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2019-10-18
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. (LA)

I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2023-07-06
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2019-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THROUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2019-10-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CO)

I secured a credit card from " Care Credit '' to have my wisdom teeth removed in XXXX of XXXX. The card carried XXXX interest if paid by XX/XX/XXXX. That date of no interest was increased to XX/XX/XXXX. The card/debt was PAID IN FULL on the XXXX of XXXX. The company continues to call me ( 4-8 times  DAILY ) to make demands of interest charges ... that total even more that the original use. The card was used ONCE, XX/XX/XXXX, for the removal of my wisdom teeth. It was then destroyed. I contacted them ( Synchronity is their 'financial ' hound ) and told them the card had been destroyed. The charges continue to accrue. I have all the emails from both Synchronity and myself stating that they would drop all interest charges if paid by XX/XX/XXXX. Today, they have finally replied to an email of last week saying that there is some confusion and they won't drop the interest charges.
Consumer complaint received 2022-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NJ)

I have had American Express, for twenty years, since completing college, in XXXX. 
I have never had a problem like this with my two credit cards. The bills were paid, early, each month. 
However something changed from XX/XX/XXXX to XX/XX/XXXX. I was admitted to the XXXX. During the stay at the XXXX, my credit cards and checking account numbers were compromised. An assailant was using my bank accounts. There are several criminals with the same phone number. 
I reported this to the police, the attorney general and to American Express. A criminal made three false payments to my Amex accounts from XXXX to XXXX and they changed my address to one in XXXX, NJ. I believe that the individuals who had stolen my items from security, at the XXXX, from XX/XX/XXXX to XXXX XXXX, started fraudulently damaging my credit and banking accounts. In XX/XX/XXXX, I set up a new checking account to make payments to Amex, however, without a notice, my Amex accounts were cancelled, two days, before the due date. I am a XXXX, I work XXXX and I also sell items to pay for my credit cards each month. I have enough money to maintain my cards. I would like to reinstate both accounts. Again, I have a long standing history with the company, and this problem should not have occurred. What is the best possible way to have the accounts reinstated?
Consumer complaint received 2022-03-23
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION (CA)

Sallie Mae has recently reported 6-7 delinquencies on my credit report. A payment was made in the amount of {$790.00} on XX/XX/22 before XXXX XXXX  that day. A rep told us as long as the payment was made before midnight on XXXX. We would not be reported. Sallie Mae then reported to my credit report a week later. I want these delinquencies taken off my credit report and my points restored. Sallie Mae has destroyed my credit. I've never had bad credit until my son opened up student loans with them. They are the worst financing company by far! Believe the reviews!!!
Consumer complaint received 2021-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mountain Run Solutions, LLC (TX)

There is an outstanding balance of {$1800.00} from XXXX listed on my credit repiort and has been affecting my credit negitavely for years now. I have never had any knowleage of ever dealing with or doing business with this company for any services/products they provide. I have never given any permission for my information to be used at ankytime for anything habing to do with an account like this. I have contacted this company and the credit bureaus for years about this as well as the collection companies and no one can help me with this. I just read about a case where XXXX is paying {$20.00} plus XXXX dollars to people for wrongful use of credit etc. I do not know if this is what has happened to me but this account does not belong to me and never has. I have sent documentation trying to prove in every way that this does not belong to me. I am getting negative responses regarding my credit status due to this account and it is not acceptable to me. Please point me in the right direction to someone who can assist me. 
Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Paid off : 0 % Balance on XX/XX/XXXX Original balance {$1800.00} {$1800.00} Payment Info Original balance {$1800.00} Balance {$1800.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate i XXXX XXXX XXXX
Consumer complaint received 2022-03-22
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: Retail Merchants Associates (LA)

I received XXXX calls today about an XXXX XXXX payday loan that I did not apply for. The first caller said it was back in XXXX, the XXXX  caller said that it was in XXXX for the amount of {$1900.00}. I explained to the XXXX that I never took out a loan with XXXXXXXX XXXX nor have I ever tried. 
I told him I only owe XXXX debt and that is with XXXX check cashing, and he became very belligerent and and said that you owe them so I'm going to go ahead and file this claim against you and hung up in my face. I do not remember his name or hers but the phone number they called from is XXXX. 
There is a XXXX in XXXX XXXX with the same exact name as I have and she has been all over my credit reports. I looked her up a few years back and tried to tell her that her debts are on my report and she hung up on me. 
I would like to report all of this today.
Consumer complaint received 2019-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (FL)

XXXX granted me an extension/deferment on 2 payments due to my being involved and affected by the XXXX  XXXX. Because of this there was some confusion about when I was to start paying again. I thought in good faith I was paying on the correct date but missed the window by a few days causing TWO separate 30 day late payments. They are reporting I was late when in fact they received two payments, one each month. I have written to them asking them to correct this misinformation on my credit reports yet they keep responding with a form letter asking me for " more information '' It is clear they are not actually looking into this at all and just fluffing off this problem. How can they extend terms then report lates? This is in violation of FCRA.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (CA)

I have an XXXX Credit Card, it used to be issued by US Bank, but was switched over to XXXX XXXX. 

On XX/XX/XXXX, I made a payment to pay off the balance I had of {$130.00} on the credit card. It did go through but then unfortunately on XX/XX/XXXX, this payment was returned. My account with US Bank was shut down shortly after, so I did not know that this payment was returned, nor was I informed of this. 

When I finally received my XXXX XXXX card on XX/XX/XXXX, and was able to activate it and log in, they showed me as having a late payment for the {$130.00}, and also some accrued late payment fees. At no point during this time did US Bank or XXXX XXXX reach out to me to let me know I had an outstanding balance, so I believed my account to be in good standing. I also could not log into either bank during this transition, so I had no reason to believe any of this was going on. 

I paid off the amount, and also explained the situation to XXXX XXXX, and got the late fees removed. 

Unfortunately, XXXX XXXX also submitted a late payment to my credit report. This dropped my score by nearly 100 points. 

Since then I have dealt with customer service for credit disputes at both banks ( US Bank, who claims they can no longer look up my account number or any of my info with them, and XXXX XXXX, who claims the late payment is valid as they inherited the card with the outstanding amount on it ). 

I disputed this with the credit bureaus with no luck and was told I needed to take it up with XXXX XXXXXXXX. 

I submitted a written dispute to XXXX  XXXX on XX/XX/XXXX. I submitted a 2nd written dispute to XXXX XXXX on XX/XX/XXXX. I then submitted a written dispute to US Bank XX/XX/XXXX. All of these came back denied. US Bank still will not provide me my account number or any information about this incident. 

I started a dispute with the credit dispute company XXXX XXXX in XXXX of XXXX. They have submitted XXXX disputes with the credit bureaus that both were unsuccessful. 

I still believe this to be an error that was not my fault. 

I believe US Bank originally Made the error by not accepting the payment provided ( and not notifying me of this ). XXXX XXXX then inherited a card with an outstanding amount and made the report to the credit Bureaus.
Consumer complaint received 2019-08-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mid-Atlantic Finance Co., Inc. (TN)

This company repossessed my car with informing me of the repossession after paying over {$2000.00} in payments! I never received notice about the repossession and kept contact in the coming days with multiple people at the company regarding my account with emails to provide!!! they screwed up with containing the wrong information in varies departments! After being transferred to the company via my original furnisher without consent Ive asked for the original documents which were not given, theyve maliciously reported incorrect payment amounts as well as incorrect payments rendered monthly which increased the debt!
Consumer complaint received 2022-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc. (NC)

I have 7 Chargeoff accounts on my credit report ( Express, XXXX, XXXX XXXX XXXX, XXXX, Forever 21 and Victoria 's Secret ). I have made several attempts to dispute these charges because when i called the collection agency ( XXXX XXXX ) they very first told me i was no longer obliagted to pay and try to settle the debt and sent me formal letters of deletion in the mail. However, i can not find these letters. That was XX/XX/XXXX. Just recently on XX/XX/XXXX i attempted to call Commenity bank because this is the address that shows up on my credit report as lender info however the representative told me there was no record of collection agency that it was sold to and that it normally sells to XXXX credit so i called there. The representative at XXXX XXXX XXXX, when i gave her my social said that there is no information on file coming up by my social and that i would need to contact the legal department there on Monday morning. i should not have to carry around debt that i am not able to settle because my accounts can not be found anywhere.
Consumer complaint received 2019-10-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (LA)

My wife bought and car from XXXX XXXX XXXX back in XX/XX/2016. The car was lost due to flooding three years later ; the insurance company totaled the car. When my wife called to file a gap claim, she was told there was no gap policy on record.she then call the lender, Nissan motors, and they gave her a gap policy number, which was invalid. My wife and I had to go to the dealership to try to resolve the issue of the lender telling us we have gap insurance on the car and the Gap company telling us they have nothing on file. I was confused cause I know we sign the paper that says we purchase and accept Gap insurance for the car. After 4 hours waiting outside, the personal from Nissan said they found out the contract. It was two different contracts for this deal. The first was a sign and had Gap coverage on the car, along with the paperwork that was signed that said we accept and purchase the gap for the car. The same paperwork the lender had, which was how they produce the policy number that they provide us. So for some reason unknown to us, the first contract which was already signed was voided. The salesman told us they made a mistake, which is understandable. Not knowing they took the gap insurance off the new contract without our approval or having signed a new paper stating that will decline gap insurance. We were under the impression that the car had gap coverage because we sign the paper stating and acknowledging that, yes, we want the gap insurance on the vehicle. The salesman removed the gap to get the deal through. We were never told that the gap coverage had been excluded from the new contract. I always heard about the horror stories of car dealerships and their predator like tactics. I just never thought I would be a victim of it.
Consumer complaint received 2019-08-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC. (OH)

Request signature from Exeter due to telling them account doesnt belong to me. Exeter sent a Truth in Lending act with signatures that are not mine. Due to the issue ive taking possession of the vehicle from my XXXX XXXX due to correcting issue with Exeter due to the attempted to repossess the car after telling them intent to pay if provided loan paperwork. Because I asked from loan paper work they attempted to get a quick fix instead of handling problem civilly or verbally. Repeatedly Ive told representatives to provide paperwork so we can settle amicably.
Consumer complaint received 2022-03-22
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. (SC)

Upon reviewing my consumer report i recognized some inaccuracies on my credit report that have hindered my ability to extend credit. According to Congress of the United States pursuant to title 15 USC 1781 an inaccurate and unfair credit report directly impairs the efficiency of the banking system undermines the public confidence which is essential to the continued function of the banking system. I require the 2 fraudulent collection accounts on my consumer report by XXXX XXXX XXXX opened XXXX XXXXbe deleted and removed immediately and its fraudulent and innacurate nature is very damaging to my reputation, My Consumer rights have been violated and this unfair reporting has hindered me from enjoying the pursuit of happiness as gauranteed by the constitution in accordance with FCRA 650 title 14 USC 1681c-2 Block a consumer reporting agency shall block the reportingof info on a consumerr file that identifies as resulting from identity theft. I require this account be removed immediately
Consumer complaint received 2019-06-17
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. (TX)

I have disputed a total of 17 derogatory items that do not belong to me with XXXX, XXXX, and Transunion. Several of these accounts are listed multiple times with multiple different spellings. Eleven of the items were removed previously after I disputed them only to be re-added to my credit file with different spellings. The accounts are as follows : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX  XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX 9. XXXX 10. XXXX 11. XXXX XXXX 12. XXXX 13. XXXX 14. XXXX XXXX 15. XXXX XXXX 16. XXXX XXXX 17. XXXX XXXX
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

After numerous attempts to resolve inaccurate information being reporting by XXXX XXXX XXXX they retaliated by reporting more derogatory information to the credit bureaus. I had a city furniture account I paid off on XXXX 2012 and I asked the customer service to close the account. Instead, they reported that my account was charged off and continued to report charge off till XXXX 2012. They acted in bad faith and this is a false and criminal reporting.
Consumer complaint received 2021-12-09
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. (NJ)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.