davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-22
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$210.00} / XXXX XXXX Date opened XX/XX/XXXX Balance {$3900.00} / XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX/
Consumer complaint received 2019-07-30
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. (NC)

I am very concerned about the number of unauthorized inquiries that I found on my credit report. I do not understand how credit bureaus received this information but it is completely false! As a result of this, I can not apply for the things that I need to apply for because this information is ruining my credit.Delete it immediately XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX/XXXX, XXXX-XXXX, XXXX XXXX   XXXX
Consumer complaint received 2022-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I consumer XXXX XXXX contacted TRANSUNION to request my credit file. TRANSUNION stated they do not issue consumer files, only consumer reports.
Consumer complaint received 2022-02-22
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. (TX)

I am victim of identity theft and XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX was disputed in 2014 and wrongly reported and equifax is supporting XXXX and take money from XXXX and ignore consumer and there Rights Need to be deleted as following information is wrong : Date of First delinquency is XX/XX/XXXX. 2014 Account status is paid off Balance not correct Available Credit is 0 Date of last payment is wrong Paid in full with on condition to delete account
Consumer complaint received 2021-06-11
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. (NM)

My girlfriend used my Macys credit card to purchase some gifts for XXXX on XXXX XXXX XX/XX/XXXX XXXX. I did not like the clothes purchased, so I returned them to a Macy 's store in XXXX XXXX, Fl on XX/XX/XXXX ( jpeg of return from Macy 's website attached ). I received a credit of XXXX}. The return should have been credited to my Macy 's credit card and my next bill would reflect the credit and be accurate. I am on my Macy 's account and clearly see the return was processed and is on their own website ( attachment below ) But the credit card was never credited. I have my XXXX statement attached showing the purchases and then my XXXX statement showing no credit and no credit on any subsequent statement from XXXX through to XXXX. I first called about this issue in XXXX and told it was resolved and the returns would be credited to the credit card. In fact, I complained and said they owed me a gift card. They actually sent me an email with a promo card saying sorry in the email and so I thought the whole thing was done. Except I keep getting Macy 's Credit Card bills in the mail saying I owe money and they are charging me interest charges and late fees. This is going on my credit report while I'm in process of buying a home. Its incredible. I called again today XX/XX/XXXX to find out the problem and dealt with Citibank who manages the Macy 's Credit Card ... the representative says they have no record of the return or the credit for the return. I was transferred to Macy 's billing and credit and the representative said they had no record of any return. I made the rep stay on the phone as I told her I was reading right off the Macy 's website showing the return was posted right on my account!!! She lied to my face. She said without a record or a receipt should could not and would not help me. Macys has registered my return, but they refuse to credit the return to my Macy 's credit card therefore my credit card is racking up charges for something that I purchased and have returned. They refuse to help me.
Consumer complaint received 2021-03-10
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. (TN)

I PULLED MY CREDIT REPORT. I CANT BELIEVE WHAT I SAW. I HAVE STUDENT LOANS AND IVE NVER ATTENDED COLLEGE. THIS IS HURTING MY PRFILE TREMENDOUSLY. THIS IS A VIOLATION OF MY RIGHTS. THESE ACCOUNTS ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS. I ALSO HAVE A MEDICAL BILL FOR MEDICAL SERVICES I NEVER RECIEVED. PLEASE HELP ME FIND A SOLUTION TO REMVE THESE ACCOUNTS FRM MY PRFILE. 
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI Late Payments from XXXX
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (IL)

In XXXX of XXXX my credit limit was {$14000.00} with 0-5 % usage at a time. In XX/XX/XXXX my credit limit was decreased to {$1600.00}. There has been no history of late payments with the account
Consumer complaint received 2021-06-11
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: Security Credit Services, LLC (AL)

On XX/XX/2017 from Security Credit Service in the amount of XXXX it added a derogatory mark on my credit report per XXXX XXXX.Upon further research this account was transferred / sold and I am not responsible for the account as I have stated to them before and they have yet to send any type of documents to back up the charge. Debtors creditor did not verify this collection. also there was no written form of communication contract or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and says that it is mine.According to the FCRA, ( Security Credit Service ) has violated my RIGHTS AS A CONSUMER AND IM REQUESTING legal action to remove these account immediately.
Consumer complaint received 2021-06-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (TX)

Sent a Debt validation request to Southwest Credit according to USC 1692g to validate the debt they in returned sent me paperwork of which is inside the attached files.. They verified the original creditor and that it is a consumer credit transaction This was a Consumer credit transaction, Everyone was credited so there is no need to attempt to collect a debt.
Consumer complaint received 2019-07-30
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. (FL)

The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. 
Delete inquiries done by XXXX XXXX XXXX XXXX XXXX, ON-SITE MANAGER
Consumer complaint received 2021-06-11
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)

I XXXX XXXX the natural person did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. I already filled out a FTC report # XXXX which is attached. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Consumer complaint received 2021-06-11
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: Experian Information Solutions Inc. (CA)

Experian is allowing XXXX XXXX XXXX  to report an collections account on my credit report even after XXXX XXXX XXXX confirmed that all correspondence was mailed to the wrong address. The Fair Credit Act states that I have 120days to handle before its reported to Experian. If the correspondences was mailed to the wrong address how could I have handled?
Consumer complaint received 2021-06-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I'VE NOTICED SEVERAL ERRORS REPORTING ON MY CREDIT REPORT AND NEED THE CREDIT BUREAUS TO PROCESS MY DISPUTE.
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

There is a student loan account that is reporting on my credit report in which I am unsure that student loan belongs to me. I have tried contacting the school via correspondence ; however, I haven't received any documentation suggesting that this account belongs to me. 

I never received any documentation or invoice regarding this account.
Consumer complaint received 2023-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
Consumer complaint received 2021-06-11
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: Experian Information Solutions Inc. (TX)

XX/XX/2021 : Experian added a new COLLECTIONS ACCOUNT to my credit report, which in turn devastated my credit score by -40 points. The new Collections account was by XXXX XXXX for an amount of {$430.00}. I immediately filed a dispute for this with Experian because I have never heard of XXXX XXXX, nor do I owe anyone {$430.00}. This is not my account and should not be on my credit report. XX/XX/2021 Experian completed their dispute investigation and claimed that they have verified the information as accurate and refused to remove it from my credit report. I contacted Experian to find out how they verified that information but they refuse to disclose that information to me. Experian refuses to disclose ANY information regarding the collections account by XXXX XXXX nor will they provide ANY proof or evidence that they investigated it in the first place.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

On my chase app credit XXXX  theres a closed account for XXXX XXXX XXXX XXXX for {XXXX} i don't recall making this or even know this existed.I 've never seen this on my chase app till now.
Consumer complaint received 2021-03-10
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. (TN)

I PULLED MY CREDIT REPORT. I CANT BELIEVE WHAT I SAW. I HAVE STUDENT LOANS AND IVE NVER ATTENDED COLLEGE. THIS IS HURTING MY PRFILE TREMENDOUSLY. THIS IS A VIOLATION OF MY RIGHTS. THESE ACCOUNTS ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS. I ALSO HAVE A MEDICAL BILL FOR MEDICAL SERVICES I NEVER RECIEVED. PLEASE HELP ME FIND A SOLUTION TO REMVE THESE ACCOUNTS FRM MY PRFILE.

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''
Consumer complaint received 2022-02-22
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: BMW Financial Services NA, LLC (ME)

On XXXX, I have opened a loan account with BMW financial services for buying a used car from BMW dealership XXXX my monthly payment is {$740.00} for XXXX payment was paid on XX/XX/2022, at that time I was sick with XXXX and was not able to go out until few days after. the total late days were only 13 days but BMW Financial services reported it as 30 days late payment which is totally wrong. I have written up a request ( XXXX ) to BMW financial services asking them to remove that from my credit report with all XXXX credit bureau but they rejected my request. Also, I did dispute it with the credit bureau but the result came back as accurate info. I am attaching a proof from my account page with BMW financial services showing the payment has been received on XX/XX/2022 which means only 13 days late from the initial payment scheduled date. 
Their intensionally wrong report caused me losing my eligibility for home Mortgage 3 weeks ago, where I was buying a house to my family and elderly parents.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX : XXXX XXXX XXXX XXXX, LA XXXX
Consumer complaint received 2018-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

I have received repeated telephone calls from Citi Bank, XXXX, attempting to collect on a debt on behalf of Home Depot. The debtor is not known to me and I have had my existing telephone number for over 15 years. I called Citi Bank on XX/XX/18 and informed a representative that Citi Bank is calling a wrong number and to stop calling my home 's telephone number. I received another call from Citi Bank the following morning, XX/XX/18, at XXXX XXXX PST. I repeated my demand that Citi Bank not call my telephone number.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been disputing the late payments showing on my account for Capital One Auto Finan which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Consumer complaint received 2023-12-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (PA)

Hello my name is XXXX and I have been a customer of cashapp for almost 3 years I have made many attempts to contact them and have not received anything substantial from them I have attached my account transactions. I want to know where my money is being held and why I cant ever purchase anything.
Consumer complaint received 2018-04-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SUNTRUST BANKS, INC. (FL)

Suntrust Bank opened up a checking and money market account for me on XX/XX/XXXX. I deposited XXXX in the money market account and XXXX in the checking account. On XX/XX/XXXX Suntrust told me my accounts have been closed due to undisclosed federal regulations. They would not tell me the reason even after going into the branch. They then told me my money would take 30 days to mail back to me. I find this unacceptable that over $ 21k dollars is tied up by the bank for this long.
Consumer complaint received 2015-11-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (FL)

My husband signed for a car loan on XXXX/XXXX/15 first payment due XXXX/XXXX/15. He inquired by phone about a concern if the payment electronically went late. He was NEVER told he had a grace period of 10 days. His VA checks goes into his cu acct on the XXXX of every month and so the XXXX is fine without any change to the XXXX of the month for an electronic payment to occur.. The representative for the finance company by phone went and changed it to the XXXX of the month. We set an automatic payment on XXXX/XXXX/15 for payment the XXXX of the month and was reassured that it would be on the XXXX but it has changed to the XXXX plus additional XXXX added to the loan.We have tried to reverse charges of this and to restore to the original payment date and have called numerous times without any resolve. The representative encouraged a payment change date rather than explaining that if a payment did not reach them electronically as scheduled or payment received within the next 10 days he would not be facing a late charge, instead told him to pay XXXX along with his monthly payment and his due date would change to the XXXX or we could add it to his loan. He was discriminated by age and lack of financial knowledge. This representative took advantage of this and encouraged him to change the due date so that she could acquire this transaction. I called and was told a return call within 48 hrs from a supervisor and no call. I called again and was told 3-5 business days I would get a return call. Most financial companies are fair and usually give you all of the information as needed but this one was a mistake to borrow from with the intent to have scrupulous phone representatives that are conniving.
Consumer complaint received 2022-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

i applied a home loan but my loan was not approved due to low XXXX score and when i checked my XXXX XXXX XXXX no is not matched. the XXXX  shows in XXXX  report is belongs to someone else.all other details like XXXX number, email id and mobile number are mine but XXXX  number is not mine due to this loan numbers shown in my XXXX  report are not belongs to me