davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I HAVE PREVIOUSLY DISPUTED : Bankruptcy TransUnion XXXX XXXX Type : XXXX  XXXX Bankruptcy XXXX XXXX  Bankruptcy XXXX  XXXX Bankruptcy Status : Discharged Discharged Discharged Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reference # : XXXX XXXX XXXX Closing Date : XX/XX/XXXX XX/XX/XXXX - Asset Amount : {$0.00} {$0.00} {$0.00} Court : U.S. Bankruptcy Court US BKPT CT WA XXXX XXXX XXXX : {$0.00} {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} {$0.00} Remarks : - - Bankruptcy TransUnion XXXX XXXX Type : XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy Status : Discharged Discharged Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX Reference # : XXXX XXXX Closing Date : XX/XX/XXXX XX/XX/XXXX Asset Amount : {$0.00} {$0.00} Court : U.S. Bankruptcy Court US BKPT CT WA XXXX XXXX XXXX {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} Remarks : - - ALL 3 CREDIT BUREAUS AND IN RESPONSE, YOU VERIFIED THE ITEM AS ACCURATE, STATING THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. 
I CONTACTED THE COURT, AND THEIR RESPONSE IS ENCLOSED : Bankruptcy filings are public records open to examination by law with few exceptions. See 11 U.S.C. 107 ( link is external ) ; Fed. R. Bankr. P. 5003 ( link is external ), 9037 ( link is external ). Bankruptcy courts are not responsible for verifying or validating information in consumers credit reports.

Bankruptcy & Your Credit Report The Bankruptcy Court does not report or provide information to consumer reporting agencies. The Bankruptcy Court is not responsible for verifying or validating information in consumers ' credit reports. 
Information about bankruptcy case records and credit reporting is located on the U.S. Court 's website. 


IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER : THEREFORE, YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE. 
EITHER WAY. THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 16811 ), AND THE INFORMATION MUST BE DELETED IMMEDIATELY.
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am a mortgage customer with XXXX XXXX XXXX. I paid my payment on XX/XX/XXXX, but it was reported lat to the credit bureau. I received a letter from XXXX and Signed Verification of Mortgage that it was corrected and that payment was made on-time. Then I filed a dispute with Equifax. They did not correct the issue and said XXXX had to. I called XXXX and they said that they sent an updated payment history. The next week I received notice from Equifax that the investigation was compete. It was not changed. The week of XX/XX/XXXX, I filed another dispute with Equifax to correct the issue. at that time they closed the investigation, did not make a change to the credit history, however, they then reported a second late payment on the account. I called to discuss my case, and they told me to fax a copy of the payment history from XXXX XXXX Loans. I sent that signed report and payment history during the week of XX/XX/XXXX. On Sat, XXXX I received an email that the investigation was complete. I then received a notice that my credit report changed on XX/XX/XXXX. They reported that they received from caliber was on XX/XX/XXXX. -which reported my last payment made in XX/XX/XXXX. They are now accounting XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as late payments. i then called Equifax to speak weith somneone in the dispute department. They told me that they only report what they receive from Equifax and not from me. I spoke with XXXX id # XXXX in the Escalation Department who  refused to allow me to speak to her supervisor, but said she would only transfer me to another supervisor in her department. I then spoke with XXXX id # XXXX who also refused to transfer me and terminated the call. 

I paid my XXXX Payment XX/XX/XXXX and XXXX and XXXX Payments XX/XX/XXXX.
Consumer complaint received 2018-12-11
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: AMERICAN EXPRESS COMPANY (FL)

I was sent an email onXX/XX/2018 from my company email address who I thought was from my XXXX XXXX XXXX   with my company. He had asked me to purchase XXXX XXXX gift cards for our elite clients, 20 in the amount of {$100.00} each which is not unusual for our company around the holiday season. After, I was to scratch off the back and to send him the codes. I tried several stores but was unable to purchase them until I finally went to XXXX   at XXXX XXXX XXXX XXXX., where I was allowed to purchase the 20 cards in the amount of {$2000.00}. Instead of typing in all of the codes, I took photos of them and sent them by email to my XXXX, the real XXXX XXXX. Later I than called him to be sure he received my email and he had no clue what I was talking about and never asked for the codes. I then when back to XXXX to return the unused gift cards but they said they were nonrefundable but opened up a case and took copies of my DL and receipts. They said someone would contact me but nobody has yet to this day. So then I went home and contacted XXXX XXXX where they told me the same thing but they were going to have the incident investigated and get back to me but they have not yet either. I have a conformation email from my conversation with XXXX that Friday evening when I spoke with them right after it happened and they stated that the cards were never used and to contact my local police department to file a report. I also spoke with American Express from which I purchased the gift cards with, XXXX and XXXX XXXX  and they all said there is nothing they can do to help me get my money back. I still have the gift cards and they have not been used, I just need to somehow try to find a way to get the money back from either XXXX XXXX  or American Express.
Consumer complaint received 2018-12-11
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)

I have contacted TransUnion several times via phone online, and via first class mailings on many occasions in regard to several accounts that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to XXXX several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report XXXX, I've called Transunion and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : XXXX XXXX XXXX account XXXX {$40.00}, XXXX, account XXXX {$2900.00}, account XXXX {$6900.00}, account XXXX {$3400.00}, account XXXX {$7100.00}. I also want the following unauthorized inquires from XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX XXXX  removed. I have even sent copies from XXXX  & XXXX showing that they deleted items that TransUnion keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect
Consumer complaint received 2018-12-11
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: BARCLAYS BANK DELAWARE (TX)

I have made several attempt in the past couple months to address this matter with Barclay and have gotten frustrated either with long delays or reaching a person that did not have a strong enough command of the English language to effectively address, nor remedy these charges. 

On XX/XX/18 I was billed {$410.00} ... I did not make this purchase. 
On XX/XX/18 I was billed {$490.00} ... I did not make this purchase. 
On XX/XX/18 I was billed {$430.00} ... I did not make this purchase. 

I need this {$1300.00} returned to my bank acct.
Consumer complaint received 2017-09-18
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: EQUIFAX, INC. (GA)

Equifax credit report dispute on XX/XX/XXXX. Someone else 's {$360000.00} mortgage balance with a {$3000.00} per month payment beginning XX/XX/XXXX thru XX/XX/XXXX is on our XXXX revolving charge account. Unable to submit online dispute. Web site blow off with timed out or incorrect input data. Unable to make phone contact with a person. They have automated phone numbers for report requests and alerts and freezes, but none for credit dispute issues.
Consumer complaint received 2018-12-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

i was a victim of a scam tats why bank of america did whats wrong with me n XXXX acct was paid ill like to dispute whats on my credit n there a lot of misreport on my file dispute I am requesting that this item be deleted / adjusted> in order adequately reflect my true credit history on the attached report. I am asking you to reexamine this item and <remove it from / correct it on> my file at your earliest convenience. I sent this letter via certified mail to ensure this matter is resolved within the required 30-day window. 



Sincerely XXXX XXXX dob.XX/XX/XXXX add XXXX XXXX XXXX XXXX XXXX fl XXXX
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Innovis (IN)

Our mortgage for XXXX XXXX is not being reported on our credit report and is adversely affecting our credit scores and causing us to receive higher interest rates on credit cards and car loans. We have previously reported the issue with CFPB complaint number XXXX and this problem needs to be fixed. According to XXXX XXXX customer service they are reporting to the following credit reporting agencies : XXXX, Innovis, XXXX and XXXX XXXX but our mortgage is not on the credit report.
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS (ND)

On XX/XX/2018, I received a response from LexisNexis about the reporting of information about a bankruptcy reporting on my LexisNexis report. I have included this response in this complaint. I would like to make a few bullet points to dispute their response as I believe this reporting is an example of defamation of my character, and is negligent enablement of identity fraud. 

1. The address reporting on XXXX  for this bankruptcy is XXXX XXXX XXXX XXXX XXXX, ND XXXX. This is an incomplete address and I have never lived there. 
2. XXXX  doesn't report my full SSN on any court docs related to this bankruptcy. 
3. I have a XXXX  account and have PHYSICALLY VERIFIED the address reported as mine is incomplete and inaccurate, and my SSN is NOT fully reported on any of the court documents in this case. 
4. XXXX XXXX XXXX XXXX XXXX. is a SEPERATE COMPANY with a SEPERATE ADDRESS and PHYSICAL LOCATION then LexisNexis and it has not verified to me how it obtained this erroneous reported account, and it is NOT the original creditor, which by law, any agency must obtain any information about a consumer from an ORIGINAL CREDITOR. 
5. " Documents are not required in Mr. XXXX 's matter. '' Just another example of a LexisNexis form letter being sent out with mistakes being overlooked without any PHYSICAL VERIFICATION being done! 
6. Although bankruptcies are indeed a matter of public record, it is the duty of the CRA by FCRA law that the CRA must PHYSICALLY VERIFY the accounts being reported are 100 PERCENT ACCURATE and all information is CORRECT before placing them on a consumers credit report. If this isn't done, one could sell bogus, erroneous information to the CRA without it being VERIFIED as FACT. 
7. I have received no description of PHYSICAL VERIFICATION used to determine the ACCURACY and CORRECTNESS of information being reported to my LexisNexis account file, including business name, address of said business, and telephone number and contact persons name that furnished this information to LexisNexis.
Consumer complaint received 2018-12-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Creditors Bureau Associates (GA)

I filed a complaint on XX/XX/2018 and it was closed on XX/XX/2018. I don't understand why my case is closed when the matter isn't resolved. Creditors Bureau Associates of Georgia claimed they have verify that I owed the amount, but refused to send me proof. 

I contacted XXXX County XXXX on XX/XX/2018 ( original creditor ) and they're not sure why Creditors Bureau Associates of Georgia is reporting that incorrect negative information to my credit file since they have already received payments for that bill. Also Creditors Bureau Associates of Georgia claimed they contacted me several times, that's another false information. I've called and write them, however I was unsuccessful. If and when they do contact me, I'd like them to leave a message so I can know that they called. Creditors Bureau Associates of Georgia is trying to collect funds for a bill that has already been paid. 

Attached are the following documents : Dispute Letter to Creditors Bureau Associates of Georgia, Response from Creditors Bureau Associates of Georgia, XXXX County XXXX bill, Check Payment to XXXX County XXXX, Notice of Payment to Creditors Bureau Associates of Georgia.
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IN)

Our mortgage for XXXX XXXX is not being reported on our credit report and is adversely affecting our credit scores and causing us to receive higher interest rates on credit cards and car loans. We have previously reported the issue with CFPB complaint number XXXX and this problem needs to be fixed. According to XXXX XXXX customer service they are reporting to the following credit reporting agencies : XXXX, XXXX, Experian and XXXX XXXX but our mortgage is not on the credit report.
Consumer complaint received 2018-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Statement balance of {$5000.00} was due on XX/XX/2018. On XX/XX/XXXX, I paid the the statement balance off in full, well before the due date. On XX/XX/XXXX, I received a statement indicating I owed {$39.00} in interest charges. There was no cash balance on my account therefore should not have been charged finance charges on the account. I contacted Capital One via chat and was not they did not have the option to waive the charges. The first CSR stated " The amount in question is interest that is owed on unpaid balance from the time between when Capital One calculates the balance due and sends a statement, to the time the balance is paid and we process the payment '' I was then transferred to a " Supervisor '' when I was not willing to accept their response. 
The supervisor stated he also did not have an " option '' to waive the charges. 
Adding insult to injury the statement indicated to avoid finance charges on my next statement on new purchases I should pay {$4800.00} as an Interest Saver payment. 
The information is conflicting and not clearly outlined. If I was to pay more than those two amounts quoted on their statement, it should be included. I am requesting the charges removed from my account, in addition to any other credits they are able to provide for their lack of consistency.As such a largely recognized company they should be a bit more clear and willing to do more for their customers in good standings.
Consumer complaint received 2018-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

1. I paid {$270.00} for seat selection on XXXX XXXX. However, I did not receive {$200.00} reimbursement benefit as shown on my card.

2. I have spent {$5000.00} within 2 months after subtracting all refunds and annual fee. But I XXXX took my signup bonus away without any reason.
Consumer complaint received 2024-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Management Systems Inc. (FL)

Have me owing XXXX to an apartment complex where I never lived I never lived there or ever gave anyone permission to use my name to live there. Please provide me with information on this because I will file a police report against this company. And also sue them for putting false information on my credit report which is against the law.
Consumer complaint received 2018-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

I have been trying to get Navient to right their wrongs for years. Despite my trying to dispute the legitimacy of these loan for years, I decided to pay them off and fight it on the back end. Yet, Navient STILL continues to fraudulently report my loans to the credit bureau. On XX/XX/XXXX, I requested ( and was approved ) for a forbearance on loan " 3  ''. Then again on XX/XX/XXXX, I initially 2 payments to PAY OFF loans " 1 and 2 ''. On XX/XX/XXXX, I checked my credit report and it something to the effect of " between XX/XX/XXXX and XX/XX/XXXX, consumer missed 2 payment ( failed to pay off loan ) and is 120 days late '' and " Between XX/XX/XXXX and XX/XX/XXXX consumer filed dispute ''. BOTH statements are bold face lies and I paid OFF two loans and got a forbearance on the third, yet paid interest on this one ( during the forbearance period ). Navient continues this fraudulent practice of erroneously reporting negative statuses to credit agencies and nothing is being done.
Consumer complaint received 2018-12-11
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: CITIBANK, N.A. (CA)

On XX/XX/2018 I recieved a notice that CBNA had pulled my credit report resulting in a hard inquiry. I immediately called in to alert them to the fact that it was a fraudulent inquiry and they agreed that the name and phone number on the application did not match my own. I asked them to remove it and they said that they would, but as of XX/XX/2018 there has been no change.
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (NV)

Way2go has claimed to transfer new unemployment deposit, although the bank has not yet received the money but is REFUSING to effect or permit the transfer of withheld monies issued to them prior to my original complaint. I tried to make a single transfer rather than recurring to move the {$820.00} but Way2 go refuses to permit it as a recurring order exists. They have isolated to retain the original deposit accumulated solely because they issued the cards weeks later than directed according to unemployment notices.