davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-13
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: CORELOGIC INC (LA)

On XX/XX/18 I inquired about information relating to the home buying process. I provided my name, email, and telephone number to XXXX XXXX. At XXXX on XX/XX/18 I received a call from XXXX XXXX associated with XXXX XXXX on a recorded line. 

I was asked if I wanted to give permission to do a hard inquiry on my credit report and I replied that I did not give permission for that, and I am not interested in continuing the process as I was just looking for information. 

On XX/XX/18 a hard inquiry was added to my credit report by Credco. On XX/XX/18 I contacted XXXX XXXX with XXXX XXXX via email at XXXX stating I would be filing a complaint due to a hard inquiry done without permission and my specific instructions not to do so. I received no response. I am awaiting a response from XXXX XXXX.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (RI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-17
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, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX. Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-04-12
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. (NY)

I closed our spectrum/charter cable account and was told a corrected bill would be sent to me after they credited our returned equipment and i could not pay the current balance until a corrected bill was sent. The cable company sent our corrected bill to the wrong address eventhough they had my correct billing address. They sent one bill to the wrong address and then sent it to collections for {$220.00} even though their automated system still said we had a zero balance. The cable company stated we owed {$1.00} on a separate account and sent it to collections for {$1.00} dollar. Ive sent a letter to the credit bureaus and 2 bureaus removed but equifax would not respond for over 90 days, they wouldnt remove as required and then said it was a valid account eventhough the company violated collection laws and guidelines.
Consumer complaint received 2018-12-28
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. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXXXX/XX/XXXX {$74000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX{$980.00} XXXX XXXX XXXX XXXX   XX/XX/XXXX {$5400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$4000.00} XXXX XXXXXX/XX/XXXX {$23000.00} XXXX XXXX   XX/XX/XXXX {$7400.00} XXXX XXXX XXXXXX/XX/XXXX {$320.00}
Consumer complaint received 2020-02-05
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: EQUIFAX, INC. (AR)

I decided to get my credit report pulled because every time I kept applying for credit cards I would get denied. To the best of my knowledge I have always paid my bills on time. There are several items on my report that need to be removed. Can you please remove these items from my report. 

XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$4100.00} XXXX XXXX  XXXX {$240.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX TX XXXX {$460.00} XXXX XXXX TX XXXX {$240.00} XXXX   XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX  TX XXXX {$460.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX  XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX   TX XXXX
Consumer complaint received 2022-07-17
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. (NY)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (TX)

Hello I am reaching out because the listed accounts, -showing the dates and what bureau that it posted on is a part of identity theft. I attempted to resolve this with the bureause below but I have not been successful. 

XXXX XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX Miscellaneous Finance XX/XX/2022 XXXX XXXX XXXX Miscellaneous Personal Services Other Than Medical XX/XX/2022 XXXX XXXX Credit Unions XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Credit Unions XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Credit Unions XX/XX/2022 XXXX XXXX - XX/XX/2022 Equifax
Consumer complaint received 2024-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/2023, I sent a request to validate an alleged debt that I discovered on my credit report because I was looking purchase a home. I requested documentation for my record also advised them if they satisfied my request that I would have no issues with satisfying the alleged debt. 
I also said if they did not respond within 30 days that they were admitting to several violations. It has now been more than 30 days and because I wanted to remain honorable I am sending them an official notice of fault, just in case it was lost in the mail or they forgot to respond. 

There is also an invoice that I sent regarding the violations that would be in-acted after 30 days of no response. I will have all documents attached with this filing.
Consumer complaint received 2022-03-18
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: Experian Information Solutions Inc. (TX)

Spoke with a representative with XXXX and verified that the student loan for XXXX XXXX XXXX does not belong to me. I never attended XXXX XXXX XXXX  and did not take out a loan for the school. The representative with XXXX acknowledged and verified the loan does not belong to me and would send me information on how to file a police report, and a letter to submit to XXXX to have them remove the information. That information was not sent to the email that I provided. I only received an email verifying that the call took place. I requested the original documents showing that I had taken the loan out to be mailed to me and the information on how to file a police report and the letter. I disputed XXXX through Experian and again they verified this loan as mine. I want to file a complaint for all the time XXXX has shown on my credit incorrectly and the proof of inquiries that have turned me down for credit since they have been fraudulently reporting on my credit, incorrect information.
Consumer complaint received 2018-12-28
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. (CA)

XXXX XXXX XXXX XXXX is reporting a debt on my credit report that is not mine. ( Acct No. XXXX ) But that is not the substance of this complaint. Experian representatives will not verify for me the exact name or Social Security Number under which this account is reported. Thus, I can not even verify whether or not there is some error. The representatives take the position, " It's yours, would you like us to dispute it? '' The real kicker here is that when I pressed them for the address under which the service was reported, or even a bill mailed to, they were unable to provide one because, I was told, XXXX  XXXX XXXX did not even report an address to Experian. It seems to me that this can not be legal. I would think that, at the least, the address would have to match something in a person 's credit file, but Experian evidently accepts negative reporting with NO address at all. So someone can just obtain electric service with a SSN and a name that approximately matches? And then the electric company can report bad debt and the credit bureau has NO obligation to even attempt to get the address associated with the service or, at the least, require that a creditor report an address where the bills were supposedly mailed? If this is legal, the law needs to be changed.
Consumer complaint received 2021-07-19
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. (TX)

On XX/XX/2021 I sent XXXX, XXXX, and Equifax a letter stating that I wanted the detrimental accounts listed on my credit report reinvestigated. They received these letters on or about XX/XX/2021. XXXX  responded well within the allotted time. XXXX  and Equifax however did not ... even as type up this complaint on XX/XX/2021 at XXXX XXXX  60 days later they still have not responded. On XX/XX/2021 49 days after my initial letter I sent them another letter saying they had completely taken the allotted time as outlined in the FCRA and to delete the accounts I asked to be reinvestigated. XXXX  received my letter on XX/XX/2021 at XXXX XXXX. As of XXXX, XXXX, 2021 at XXXX XXXX  Equifax still has not received my letter. I know this because I sent them certified. And I will provide photos of all this as well. At first I was not going to file this complaint because i said to myself, " I know they deal with a lot of paperwork and a lot of disputes so I'm going to give them the benefit of the doubt. '' But as I thought on it more as
d as more time went by I came to the conclusion that there is no excuse for this that even 60 days later they have not said nothing to me at all. They have rules and guidelines to follow just like anyone else. TransUnion followed them so these two bureaus should as well.
Consumer complaint received 2022-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

1. On XX/XX/2022 I received an email from XXXX ( XXXX XXXX XXXX XXXX  ) saying that my credit score had changed. I was shocked to see that my XXXX score had dropped about XXXX points from XXXX to XXXX. 
2. Prior to this I had never received any notification or statements by either mail or email letting me know that I had any amount due on this credit card. 
3. On XX/XX/2022 I called the credit card company. The representative said I should send a dispute letter to FCRA. 
4.On XX/XX/2022 I called XXXX again and asked for a supervisor. He claimed not to be able to do anything. But said I should file a dispute. 
6. On XX/XX/2022 I called Transunion. They also said I should go ahead and file a dispute with FCRA.
Consumer complaint received 2018-12-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc. (GA)

These two debts were with XXXX XXXX XXXX in XXXX Georgia. One is a hospital bill one is an Ambulance ride. Hospital bill is XXXX.The ambulance ride is for XXXX. These bills were paid by my insurance prior to the medical center going bankrupt and out of business. I never received a bill for either of them an they showed up on my credit for collections by XXXX XXXX XXXX XXXX on XX/XX/XXXX an XX/XX/XXXX. I have disputed threw credit buereu and also XXXX XXXX all they tell me is the debt is correct.Another ambulance ride in XX/XX/XXXX from XXXX XXXX XXXX XXXX Tn XXXX $ was turned in threw XXXX. This was a result of a condition connected to my XXXX As I am a XXXX XXXX XXXX veteran an the Ambulance ride is their responsibility. They paid my hospital bill for my week stay. I have disputed to credit buereu an told them its VA responsibility but no help. XXXX XXXX XXXX XXXX $ for XXXX in XX/XX/XXXX with XXXX XXXX XXXX. My XXXX was paid by insurance as well as XXXX  but the XXXX  part was turned in. I have been disputing this for the greater part of 2 years now an any assistance would be greatly appreciated as I am a XXXX vet trying to fix my credit to by a home. Thank you for your time.
Consumer complaint received 2020-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

SunTrust is the worst bank i have ever known..im a single mom and on short term XXXX. They closed my checking account after 2 weeks and i had set my direct deposit up. After being out of work for 2 months and waiting and needing my check on XX/XX/XXXX they froze my account and causing me not to have access to my money. Said they will send me a check in 20 days. I have cried to them explaining that money was my only income to pay my bills and buy food for my family on the XXXX. They refuse to release my freeze to get my money. This will cost me everything and put me and my family on XXXX XXXX.
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I would like to invoke : " The Fair Credit Billing Act is a 1974 federal law enacted to protect consumers from unfair credit billing practices. It enables individuals to dispute unauthorized charges on their accounts and those for undelivered goods or services. The Act provides consumers with protection from unfair billing practices such as : *Charges not authorized by the consumer* Charges with the wrong date or amount. 
CHARGES FOR GOODS OR SERVICE THAT WEREN'T DELIVERED. 
On XX/XX/XXXX I made an inquire thru the CFPB with case number XXXX XXXXXXXX. 
It looks CITIBANK doesn't want to protect my rights I stated this because I received 2 contradictory letters from them, One from XX/XX/XXXX, and another one from XX/XX/XXXX. ( Enclosed ) In the letter from XX/XX/XXXX Citibank stated : They are working with the merchant to get a permanent Credit for the charge of {$1000.00}. How ever in its letter from XX/XX/XXXX, They Stated : " The Merchant will not honor our request for credit based on the information you provided '' Since we are unable obtain a compensation from the merchant your account has been rebilled. 

Its Clear to me Citibank doesn't want to pursue its money under the Terms of VISA and the FAIR CREDIT BILLING ACT, they wanted me as consumer to dispute this charge with the merchant, even I fully explained with supporting documentations I had to pay a second Merchant for the defective and incompetent services I received from the 1st merchant, I can not pay twice for the repair of the same Item. 
I'd like to have the CFPB to make Citibank follow the terms and conditions of VISA and to respect and uphold my consumer protection rights I have under the Fair Credit Protection Act, I will cc the FTC on this issue due to the Citibank 's Violation to the Fact Fair Credit Protection Act because I used a VISA CREDIT CARD and as Consumer I do have some protections rights, while this request is pending I will fully dispute the amount of {$1000.00} and I will make liable Citibank if they report this amount to the Credit Agencies to damage my credit also if they initiate any collection activity in regards that Visa Credit Card.
Consumer complaint received 2022-03-01
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)

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name
Consumer complaint received 2023-03-29
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. (SC)

I have several deregatory accounts that are reporting to my credit report inaccurately. I have sent XXXX, XXXX, and Transunion several dispute letters in an attempt to make them either update the account to reflect correctly or remove the account completely. They have failed to update the accounts after several investigations. I have closed accounts that still show a balance, I have accounts that are reporting different account numbers across all 3 credit bureaus. These are all in violation of the FCRA. The listed accounts below need to be updated promptly or removed from my credit file immediately. 

I HAVE ATTACHED SCREEN SHOTS OF THE BELOW LISTED ACCOUNTS REPORTING INACCURATE AND INCOMPLETE INFORMATION WHICH ARE UNDERLINED. THESE ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT FILE.
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I, XXXX XXXX XXXX has been a USAA insurance and credit card customer for well over 20 years. For the first time ever when making a {$10000.00} payment on XX/XX/2020, USAA collected the payment from XXXX XXXX XXXX XXXX, but is refusing to apply the payment until XX/XX/2020. There is no reason given for this practice either. The only suggestion by USAA possibly offered is it's a new policy for large deposits to be triggered for possible money laundering. They even went so far as to suggest the institution in which the money came from was not recognized. It's been our bank for over 14 years and it's affiliated with XXXX XXXX where I'm a car designer. 

My concerns are they are collecting our and other peoples money for credit card payments and not applying it while at the same time charging us interest on that money we've paid back already, plus they are earning interest on the money going into their bank account. In addition, they are saying we are over drawn yet our limit advertised by them online is {$22000.00} and our balance is under {$15000.00} even without the {$10000.00} applied. In one area it's states {$22000.00} is our credit limit ; yet in another it says we are {$4600.00} and something overdrawn. 

We have called them twice about this. They seem just as confused as we are. Today at XXXX pacific time on a recorded call for 47 minutes I gave them permission to work this out with my wife, XXXX XXXX, joint account holder. They eventually hung-up. She was not rude or anything like that either. 

Please investigate. 

XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2018-12-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (NV)

Today XX/XX/2018 I sent money to XXXX through remitly but the peyer was unable to complete the transaction due to some personal information that they need from me.after 6hr I called remitly and ask the reason for the deley so they notify me we agreed to send the money to another bank and in order to do so remitly had to get in touch with the peyer to liverate the funds to remitly and resend the money once remitly got the money they notify me through email and text message so I called remitly to resend the money but the associate person who attended me make a mistake and cancelled the transaction from remitly and I have to wait 10 office days in order to get my money back when I need the money to cover some expenses for my love ones.
Consumer complaint received 2023-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (FL)

Fraud call claims to be credit card company ( Comenity Bank ) but was not. 

The call was from number XXXX. They left an automated voice mail to call XXXX. 

I called and the person answering the phone says I am one payment past due by one payment of {$160.00} and to make a payment using a visa or mastercard. I noticed that the XXXX number was not the number to call on the back of my credit card so I called my credit card number and payment is not due until XX/XX/XXXX. 

I made no payment and told the caller that her number did not match the customer service number for the bank associated with the card on the back of the card. 

They also tried this same attempt last week.