davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau Equifax, XXXX, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the XXXX. I filed disputes with these bureaus XXXX plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up XXXX day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

I paid off in FULL a Victoria secret XXXX XXXX  credit card on XX/XX/XXXX and they willingly chose to send misleading and false information to XXXX credit bureau stating that I owed more money and due to that my credit score went down -145 on XX/XX/XXXX. I called XXXX credit bureau because that is what comenity bank told me to due and trans told me that they cant due anything about it and dont have the information that community told me they would have. Comenity didnt send paper statements when I asked them to and also didnt send my credit card when opened. They violated me. When I call Comenity bank every person that answers give me different information and tampers with my information. Although I placed my correct information in store. XXXX told me on XX/XX/XXXX that the information on my file was wrong. After I created an account with the bank they my phone. After all the calls I have made. Under the Fair Credit Reporting Act XXXX FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner. I called today XX/XX/XXXX and they updated my address and email again. Every time I call its the same thing.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Bureaus, Inc. (CA)

FCRA violations because this account was charged off a year ago I do not owe this account and I want it deleted from my credit report immediately. 1099C was submitted over the summer to XXXX XXXX I have no idea who these people are this is identity theft.
Consumer complaint received 2021-04-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FORD MOTOR CREDIT CO. (TX)

Got a letter about this auto loan in collections, and they have been calling my XXXX XXXX XXXX mom advising her about attorneys, so I got this letter and called them said was for and XXXX XXXXXXXX auto back in XXXX when it was purchased I advised them never owned a XXXX or financed a XXXX advised of Identity theft back in XXXX where the female was arrested and did a year in prison so I was advised to file this complaint.
Consumer complaint received 2022-07-07
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. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : XXXX  XXXX/XXXX XXXX
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

I am subscribed to Equifax premium service which allows me to lock and unlock my credit report. For the past three weeks, my report been locked and as a result, creditor cant access my report for credit making decisions. I have spoken to several representatives and supervisors but my report continues to be locked as of today. Was giving reference number XXXX. This situation ( report being locked ) is really preventing me from doing what I want because creditors cant approve me for anything if they have to use my Equifax report.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mobiloans, LLC (FL)

I would like to know what happens, that your level of authority as an arbitrator or as a guarantee to users or clients of credits, can not take action against a company, which does not respond or in this case they ignore to eliminate the negative quota in my reports How long should I expect them to take action on this?
Consumer complaint received 2022-07-07
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. (PA)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED or DELETED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX Balance : {$61.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$380.00} XXXX XXXX : {$0.00}
Consumer complaint received 2022-03-22
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX and XXXX  XXXX  XXXX  XXXX XXXX Account XXXX 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 an account without my written instructions.
Consumer complaint received 2019-08-02
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. (MS)

Please reverse the late payments reported on the following accounts : XXXX XXXX and XXXX  XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2022-07-07
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. (PA)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED or DELETED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX CO XXXX ) XXXX* Balance : {$690.00} XXXX XXXX Balance : {$380.00}
Consumer complaint received 2022-07-07
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: Bread Financial Holdings, Inc. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : COMENITY BANK/AVENUE XXXX
Consumer complaint received 2021-06-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lendmark Financial Services (CA)

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : XXXX  Reason : Identity theft Please remove this from my Credit Report.

Account Name : LENDMARK FINANCIAL SER Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : XXXX  Reason : Identity theft Please remove this from my Credit Report.

Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : XXXX  Reason : Identity theft Please remove this from my Credit Report.

Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : XXXX  Reason : Identity theft Please remove this from my Credit Report.

Account Name : XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : XXXX  Reason : Identity theft Please remove this from my Credit Report.
Consumer complaint received 2020-02-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Hauge Associates, Inc. (IA)

I received several calls a day from random numbers throughout the country. They will not tell me who they are when they don't hang up on you, they don't leave messages, extremely rude,. I have repeatedly told them to stop calling me a contact me via mail and I will give anything to my attorney. This has been going on for months, everytime I block their call I get it from another area code. When you XXXX  some of the numbers it tell you Hauge and associates. They have no professionalism, they threaten you, they don't tell you what anything is about and just tell you to give them money. 

If I have an account out there that I don't know about or anything, why cant they send me the information I request via mail so I can validate that this is a legit debt
Consumer complaint received 2022-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 2. Unverifiable no data information XXXX  XXXX  XXXX Account Number : XXXX Delete this account immediately as you failed to perform an investigation 3. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX  XXXX XXXX  Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA
Consumer complaint received 2021-06-14
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: OneMain Finance Corporation (NY)

i do not authorize inquiries for this companies, I have never sign writen authorization. 
Inquiries have no repmissable purpose. 
Ona Main Financials : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2022-07-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. BK OF AMER XXXX
Consumer complaint received 2022-07-07
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. (OH)

I asked transunion and XXXX to verify this account because there is inaccuracies. Also, this account does not belong to me and Transunion and XXXX responded verified but did not send proper documentation showing me how they verified the account and the documents they have that verified the account. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account with a balance of {$350.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right and 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 constructions
Consumer complaint received 2019-08-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (AL)

Car was total loss in accident on XX/XX/XXXX. US Bank claims we had a late payment at some point, yet they can not give us specific dates of this late payment. US Bank is continuing to report to credit bureaus as late payments when myself and XXXX XXXX ( the insurance provider of the person at fault ) has told them they have sent payment instead to documenting accordingly. Please advise!
Consumer complaint received 2022-07-07
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. (TX)

In regards to, XXXX XXXX XXXX Acct number : XXXX According to 15 U.S. Code 1681 - Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I have a right to privacy and the reporting alone of this alleged debt violates my rights. I did not give consent to this debt collector to report this account. 

Under 15 U.S. Code 1692g - Validation of debts, debts are to be validated by law. This debt has not been validated. The 1st and only communication received from this collection agency was in response to my validation request. They responded with XXXX request for payment ( see attachments ). According to the law, a bill does not validate a debt so they continue to violate my consumer rights by reporting an invalidated debt. 


Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate XXXX and XXXX further violate my rights and the law by falsely updating the date last active each month because theres been absolutely NO activity on this account. They are illegally prolonging the length of this alleged debt.
Consumer complaint received 2021-06-14
Product: Credit card or prepaid card — Store credit 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. (MO)

On XX/XX/21 I placed order XXXX on www.HomeDepot.com totaling {$6000.00} of kitchen cabinetry including delivery using the Home Depot ( HD ) credit card. On XX/XX/21 I contacted HD Customer Service to inform them that all but 3 items had been delivered, and to inquire on the delivery of the 3 missing items. They stated that their 3rd party delivery service reported all items as delivered and told me to file a dispute with HD Credit for a refund. On XX/XX/21 I called HD Credit Services to file a dispute on the missing items totaling {$300.00} and at that time informed them that the items in question had not been received. On XX/XX/21 the HD Credit sent me a letter offering me an opportunity to provide additional information regarding the dispute. I had no additional information to provide as I had already informed them that the items had not been received. On XX/XX/21 the HD Credit sent me a letter stating they would not issue a refund. I just want my refund of {$300.00}.
Consumer complaint received 2022-03-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP (GA)

Hello, My wife and I refinanced our home through 'Intercontinental Capital Group ' ( ICG ), and were told that the loan had been posted on XX/XX/31, and our signed Closing disclosure stated that the disbursement date would be XX/XX/31. 

Turns out, the wire was posted and cleared on XX/XX/31 by ICG, but it only was received by our previous lender XXXX XXXX XXXX on XXXX, resulting in a delinquency being reported on our credit scores, dropping our high 700s credit scores XXXX points, at no fault of our own. 

We have never missed a payment on our mortgage and were told repeatedly by ICG that we didn't need to pay for XXXX as they had taken care of it. We could have easily paid if informed of this level of risk, but we were advised not to worry about it. This doesn't seem wholly fair as we had expected it to clear on XX/XX/31, and this happened entirely out of our control and yet we're the ones being penalized. 
The other parties involved with our refinance were XXXX XXXX XXXX ' and XXXX & XXXX XXXX XXXX XXXX 

Attached are the signed closing disclosure, reimbursement ledger, proof of wire, etc.
Consumer complaint received 2019-08-02
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 (NY)

I have Paypal for years, never had a charge back and have been selling on XXXX  for years ( user XXXX ). 

Recently sales gone up and paypal decided to lock my account and ban me, i have US {$9.00} locked and they say it " might '' be returned in 180 days. 

My paypal case is XXXX, account XXXX This freeze of funds totally crashed my business because I buy and sell vintage watches. All the funds i have are legit and are all cleard. Paypal can ban me but has to give my money as I have bills to pay and zero " bad '' track record. 

I believe they did on purpose ; why didnt they lock the account with XXXX? only when it reached XXXX usd?
Consumer complaint received 2024-04-01
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. (KS)

My Best Buy CitiCard was hacked for XXXX XXXX, XX/XX/XXXX. I paid-off said Best Buy card after my XX/XX/XXXX purchase for TV mount installation. 

I reported fraud/dispute charges to Best Buy Fraud Department twice . First time they denied it and requested more information. I gathered the entirety of said information they needed and snail-mailed. Fraud Department denied my claim, again.

It is now XX/XX/XXXX -- I am still in dispute with Best Buy over {$900.00}. However my Best Buy CitiCard website account has been XXXX now. I was on the phone roughly XXXX minutes with XXXX XXXX, paid {$40.00} to figure out why my Best Buy account has been XXXX but I still owe and can not pay as interest is compounded, but Best Buy says " consumer does not have to pay while in dispute, '' which is XXXX  that interest is compounded but consumer does not have to pay. Sounds like XXXX XXXX to me... 

So here I am, informing FTC. This is the XXXX time I've been hacked by someone on Best Buy.
Consumer complaint received 2024-03-31
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC (AR)

I don't have an account with Jefferson Capital system they just added my account from 6 years ago XXXX of 2018. XXXX was bought out by XXXX and I don't know how this Jefferson Capital is obtaining my information but I do know it's against the law. My power identification number is XXXX XXXX.
Consumer complaint received 2021-06-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

I was contacted on XX/XX/2021, by someone calling from XXXX stating that they were a representative from XXXX XXXX  which is my electric provider stating that I was on a disconnect list for that day for my power to be cut off.. I advised them that my payments were up to date and he stated that there was a system error causing a glitch in their system that why they were reaching out to customers and to avoid having the electricity turned off I would need to make a payment to be taken off the list and I agreed to make a {$250.00} payment to keep my lights on and was advised that I could pay thru Zelle but before the payment could be made the call dropped but was called back from XXXX. He walked me thru the process of using Zelle through my online Banking for Bill Pay with Zelle and provide XXXX ) XXXX then stated that the first payment did not go thru and try again if he sees to request he would decline one of them after about 15 minutes I retried then I saw the first payment go thru but it was too late and he stated that he would cancel the second one but never did that when I got suspicious and I contacted my electric provider and my account was in good standing. Then I reached out to my bank to see if I could put a hold on the payment. I contacted my electric provider. Transaction numberXXXX and Transaction numberXXXX