davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This has been a 12 plus year ongoing saga with the credit reporting agencies XXXX, Experian, and XXXX XXXX. They have been complicit in reporting inaccurate, outdated, and incomplete information on my personal credit report. This inaction or outright complacency has aided fraud to be displayed and reinforced on my character. I have suffered great pain and harm by their hand, so I am seeking relief and the opportunity to finally live the American Dream. My latest attempt around XX/XX/2017 to fix these huge issues were basically ignored. I have attached the letters that were sent to the above organization with the hope that you can free me from this virtual fraudulent debtors prison. I want to buy a home, I want to start a business, I want to take trips, but I cant because of this oppression. Please help me!!
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

Truist bank is now holding all checks i deposit for atleast 10 days even a {$2900.00} check. I currently have a check for {$5800.00} they are trying to hold until XX/XX/2026. I have called multiple times local and corporate I have been in office and no one will fix it. It is becoming a hassle to bank with them when they are literally holding every dollar i deposit they are currently holding {$8900.00} of my money for no reason
Consumer complaint received 2022-06-19
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. (SC)

CFPB Write up 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
Consumer complaint received 2022-06-19
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. (SC)

CFPB Write up 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
Consumer complaint received 2022-03-05
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. (TX)

Account Number : XXXX XXXX XXXX XXXX is reporting a 30 day late on my Transunion credit report for the month of XXXX and XX/XX/2021. I was not 30 days late XXXX or XX/XX/2021. Please correct.
Consumer complaint received 2020-06-05
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. (TX)

I have already reported speedy finance to this institution consumer finance and to experian XXXX  and XXXX  and somehow they keep sneaking in and adding the same debt that was reported and not confirmed to all 3 comapnies after all 3 companied removed them can someone please explain why these companies can keep sneaking in debt as collections after all 3 XXXX  experian and XXXX  have removes them in the past. As a matter of fact consumer finance already has a report on speedy finance. This is outragous.
Consumer complaint received 2018-05-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MO)

I faxed documents to XXXX and am writing because my credit report is not accurate, I have attached my birth certificate, ssn,  and a recent police report number from a incident in which I was almost killed, but thankfully Im still alive. Your records have revealed to companies Im deceased and this is untrue. 
Under Missouri state law I am also entitled to one free report a year if you are unemployed and plan to look for a job within 60 days, you are on welfare, or your report is inaccurate because of fraud. I have a right to bring civil action against anyone, including a consumer credit reporting agency, who improperly obtains access to a file, knowingly misuses file data, or fails to correct inaccurate file data. 
As you are aware I have made numerous attempts to get you to correct my credit report. Your records stating Im deceased has caused a delay in income tax services, among other things and has harmed me severely financially.
Consumer complaint received 2022-06-19
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  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 120 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX 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.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me 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 120 days 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 87 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 mXXXX XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and I don't wan na live no more please
Consumer complaint received 2022-06-19
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. (SC)

CFPB Write up 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
Consumer complaint received 2022-03-05
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. (PA)

Ive been monitoring my credit report for some time through MyFICO. I pay almost {$40.00} a month. Multiple times my score has went down due to the credit card company charging interests but failed every time to update when my balance went down. Therefore Ive come to the conclusion that these companies are doing this purposely. Im reporting them all for improper reporting. Ive never witnessed them report my payments correctly and I can literally see $ XXXX $ XXXX {$3000.00} huge payments reported as {$100.00} or {$200.00}. How is this legal at all. Ruining peoples credit purposely.
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX, I requested my free annual credit report from TransUnion and I have not received it. On XX/XX/XXXX, TransUnion sent a postcard stating that I already received my free annual report. I have never requested a hardcopy of my credit report from any credit reporting agency before XX/XX/XXXX, therefore, this information is false. The agency also provided no proof of this matter.
Consumer complaint received 2022-06-18
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)

Equifax is a company that lies, cheat & Violates peoples right. They are reporting a hospital bill on my credit report that is paid in full by my insurance company. The Collection agency that is reporting this debt has been send proof already by my insurance company. ( This is a old debt that they change the date on.They sold the debt to another company that got the proof as well & wrote saying they are sorry but its wont be reported because the proof is very much except. Another company contact me again XXXX weeks later then XXXX solutions another week after.So XXXX different companies plus XXXX all collecting on the same debt at the same time. ( Fraudulent ) XXXX & XXXX has removed with the proof by certified letter the same certified letter that was sent to Equifax. Equifax needs to be seriously investigated because they are Crooks. I dont know if there workers can not read or understand English but they are by far the worst reporting agency out of the XXXX credit bureaus. If you ask them for proof on how the item was verified they will never ever send you the proof. They should have requested for XXXX solution proof that I still owe the bill because the hospital already told me I owe nothing. They also said its not reporting on my credit report. Then after that letter said that the item was verified as belonging to me. Even when they said it was not reporting on my credit report it was. When a company tell lies 24-7 they get tangled in a web of lies. I uploaded all the letters from Equifax. Also the date the {$99.00} bill started reporting. Under the new law for medical bills they should not even be fighting me on this but Equifax is looking for a big fat lawsuit for violating my right.
Consumer complaint received 2020-12-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (GA)

Some collection agency named IQ Data International is reporting that I have a {$5400.00} collection account on my credit report for some kind of debt in the past. You can hardly get in contact with this collection agency, but when I have, I have expressed my doubt that I have any outstanding debts of that size. Therefore, I have repeatedly requested that IQ Data International send me a complete breakdown of the {$5400.00} they claim I owe from the creditor that they represent, along with an itemized detail of the charges that constitute the supposed {$5400.00} debt. But unfortunately, my requests for information to verify this debt have gone ignored for months. This collection agency refuses to verify this debt, but continues to report it on my credit report despite my objections. This puts this collection agency in direct defiance of the Fair Debt Collection Practices Act.
Consumer complaint received 2020-12-22
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. (AL)

I have sent in several dispute letters in regards to public record information being reported about me on XXXX, XXXX an Equifax. I sent out letters on XX/XX/2020 to each company requesting their method of verification in regards to the public records and they have failed to respond to this letter within the allotted time of 15 days. It is now XX/XX/2020 and I have yet to receive a response about my dispute. Please remove this account immediately for failure to adhere to the FCRA and reporting unvalidated information!
Consumer complaint received 2022-06-18
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. (FL)

In accordance with Fair Credit Reporting Act everything has to be accurate on all my credit reports. 
The credit bureaus stated that my accounts was properly investigate but, how is that possible if open dates is inaccurate, the last date of activity is inaccurate, last reported not accurate. This is ground for removal they have also violated my rights under 15 U.S.C. 1681 section 602 A States i have the right to privacy 15 U.S.C. 1681 section 602 Section 2 it also states a consumer reporting agency can not furnish a account without my written permission.
Consumer complaint received 2022-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NY)

i had fraudulent charges on a Sunoco credit card issued by Citibank with account number XXXX. I have had repeated conversations with representatives of Citibank in which they acknowledged that the charges are fraudulent. Nevertheless, they keep sending me invoices and keep reporting the account as delinquent. They have even informed the credit reporting agencies, on more than one occasion, that the charges were fraudulent resulting in restoration of my credit score. But then they send more invoices and falsely report the account as delinquent yet again. This has been going on for months and I've spent hours with their representatives. They're impossible. 

Please help! 

XXXX
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I already sent few rounds of dispute about them. So many negative accounts on my name! They are not mine, I have never get it. Im sure that someone hacked my account and used my private information
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IA)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-12-16
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: Experian Information Solutions Inc. (KY)

I submitted disputes XX/XX/2020 and have YET to receive any indication of an investigation being started. I feel like I'm being toyed with and taken advantage of at this point. According to the FCRA credit reporting companies must investigate items in question within 30 days. It's been over 30 days and still nothing. Please resolve this and delete all inaccurate/unverifiable items from my report immediately.
Consumer complaint received 2022-06-18
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

What Happened? 
On XX/XX/2022 XXXX Bank reported to the XXXX XXXX XXXX that this account was delinquent and that dishonest payments had been made. With no warning or inquiry, they closed the account, reported dishonored payments to the credit Bureaus, eventually leading to a XXXX reduction in my XXXX score. 
How did this happen? My Bank XXXX merged with XXXX XXXX effective XX/XX/2022. In early XXXX I had set up external XXXX Bank connections on my online XXXX portal. XXXX of these accounts were with XXXX XXXX, as I had entered the routing and account numbers as indicated on my checks. When XXXX presented XXXX payment requests to XXXX XXXX, they were rejected by XXXX XXXX.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY (TX)

On XXXX, I purchased a XXXXXXXX XXXX XXXX mattress from their website using my credit card to complete the purchase. I noticed once I received the mattress, the charges still had not been applied to my credit card. I started to receive calls from Wells Fargo asking me did I buy a mattress. I am concerned and assumed it was spam, since I did NOT ask for financing of the mattress. I did not associate Wells Fargo to the mattress purchase since again, I paid with my credit card. I called XXXX XXXX XXXX on XX/XX/2024 to explain to them what happened. I spoke to a rude member of the escalation team who did not seem concerned when I asked, " why is Wells Fargo calling me when I paid for the purchase online? '' He did not have a reply and stated he would take the information to his team. I asked, " why are you exposing your customers to predatory lenders such as Wells Fargo? I did not need financing nor request an application ''. My information should have never been received by Wells Fargo and I should have never received the XXXX harassing phone calls and XXXX denial letters from them.
Consumer complaint received 2024-05-21
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: Bread Financial Holdings, Inc. (CA)

I have sent numerous disputes to Comenity BankXXXX XXXX asking to verify the account number they are reporting to the CRA 's . They have not done a complete investigation and continue to report inaccurate information to the credit bureaus. I have received 3 letters from Comenity Bank, with 3 different dates on when this account has been charged off and sold to XXXX XXXX XXXX. They also have re-aged this account and are reporting different account numbers to the credit bureaus. I have attached the 3 letters from Comenity Bank, Final billing statement and the payoff letter from XXXX XXXX XXXX proving that they are verifying an account that is not 100 % accurate and must be deleted.
Consumer complaint received 2020-07-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (FL)

I lost my job in XX/XX/2020 which wasthefirstbtime I contacted my lender, planet home lending. I was advised I would at that point be put into forebearance, which I submitted what documentation I had, my letter of termination. My account was not put into forebearance, when I reached out in XXXX regarding COVID. I have tried to reach them at least once a week since then, Via email as well as phone, with NO response. I have recently had to move my elderly XXXX mother in who needs 24 hour care as well as trying to get my business up and running and sitting on hold for over 3 hours is not feasible anymore and need to find out where I stand and what my options are so I dont lose my home
Consumer complaint received 2020-06-05
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. (AR)

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

DEPTEDXXXX XXXX {$9000.00} DEPTEDXXXX XXXX {$17000.00} DEPTEDXXXX XXXX {$17000.00} DEPTEXXXX XXXX {$3700.00} DEPTEDXXXX XXXX {$6000.00} USDEPED XXXX {$34000.00} XXXX   XXXX {$2500.00} XXXX XXXX XXXX {$2800.00} XXXX  XXXX {$2500.00} XXXX  XXXX {$990.00} XXXX XXXX {$7100.00} USDEPED XXXX {$8200.00} XXXX  XXXX {$480.00} XXXX  XXXX {$5000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2018-12-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/2018 I contacted Portfolio Recovery Assoc. via mail regarding an incorrect debt that I seen in my credit file. The debt does not belong to me and when asked for the company to validate or delete the account they did not do so. Instead they sent a statement that had no indication that it was a debt I owe. I then sent a second letter to inform the company that the information they sent was not sufficient by law and the company sent a second letter saying the investigation is closed and no further response will be given. The debt that Portfolio Recovery Assoc is claiming is mine is false and I would like this account removed from my credit file please.