davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

Experian refuses to remove the following inaccurate information from my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have contacted them as of XX/XX/22, to inform them I've never resided at these locations, that is not my name, and some of the addresses are not identified by the XXXX. The rep XXXX refused to remove despite inaccurate reporting because in her words, " they are reported by creditors. '' This is inaccurate reporting on Experian 's behalf.
Consumer complaint received 2019-08-08
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. (GA)

Please reverse the late payments reported on the following accounts: XXXX XXXX XXXX XXXX XXXXThe 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 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute the presence of unauthorized accounts on my credit report, which I believe to be fraudulent. Upon reviewing my credit report, I discovered accounts that were not authorized by me and do not belong to me. I am certain that these accounts are fraudulent and request that they be removed from my credit report immediately.
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 — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

XXXX is reporting to the credit reporting agencies that our loan was XXXX through bankruptcy when it was NOT. I've submitted paperwork showing that it was never XXXX, payments were never missed ( but this was not reported ) and the loan was paid off when we sold the home. We did have a bankruptcy, but the home was NOT included in XXXX assets. I've sent the bankruptcy documents, sale documents, and payment history to Experian and they continue to mark it as XXXX through bankruptcy.
Consumer complaint received 2015-04-27
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I went to see a teller about a check deposit, and Bank of America banker applied for credit card without my consent or knowledge. She offered me a cc offer, but I said no thanks several times, to which she lied, saying that it 's already in the mail. Boa regularly mails out credit cards to our best customers. To which I said. That 's illegal. Bank is breaking law if you send me a cc without my request. She said BOA does this all the time, said if I did n't want it, I should just not activate it. I complained to her that 's not how it works. But we ended our conversation there. To my horror and surprise I received a boa credit card in the mail with a letter dated for that very day I was in the branch regarding my check matter. Bank employee proceeded to lie to me over and over. She did not have my consent. Verbal or written. She just lied to apply for this without my knowledge. I do Not want a BOa credit card.
Consumer complaint received 2022-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (OH)

My complaint is against PayPal and their PAY in 4 service. On XX/XX/XXXX I purchased tires for my son using this service the amount was XXXX {$.00}. We attached his credit card to pay the four payments.On this date PayPal removed The first payment of XXXX. The merchant did not send for tires as we had purchased. They report two of the tires were lost in transit. They stated if we returned the two tires that we received they would refund the account in full. I immediately called PayPal and explain the situation to them. The male representative I spoke to told me this would not be an issue. He specifically told us to decline any further payments to the credit card as the merchant would be returning the funds. On XX/XX/XXXX the merchant returnsXXXX to the account. On XX/XX/XXXX PayPal credited my account the initial payment of two XXXX. They close the account as paid in good standing. The account was then re-open by PayPal and they began to report that I have missed two of the four payments. I sent to them statements from the credit card company showing that the first payment did go through the credit card account. Originally they had stated they never received the first payment. I then sent them statements showing that the amount that was disputed was closed when the merchant returned the monies to PayPal. I then sent a certified letter to PayPals legal department. I received a response from an attorney clearly stating that I owe no money on the account. I responded by email to her letter stating I was not asking for any monetary settlement I just want them to update their records to show my account does not owe any money to them. They refuse to do this. I have not received a response back from the attorney and as of this date the account still shows I/O money. on XX/XX/XXXX I received an email from PayPal stating they had transferred my account to XXXX to collect these funds they state I owe.
Consumer complaint received 2022-03-18
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. (OH)

I XXXX XXXX XXXX, natural person, living person is giving written instructions to XXXX to remove and cease furnishing any and all reporting activities in regards to the accounts above.
Consumer complaint received 2022-03-18
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. (OH)

I XXXX XXXX XXXX, natural person, living person is giving written instructions to XXXX to remove and cease furnishing any and all reporting activities in regards to the accounts above.
Consumer complaint received 2022-03-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX {$1800.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A debt collector was allowed to post inaccurate and incorrect data on my credit reports without first providing validation per XXXX, on XX/XX/XXXX i demanded verification/proof of this debt from XXXX XXXX XXXX and to date XX/XX/XXXX have not received this verification which is in direct violation of the Fair Credit Reporting Act. 

I have attached proof along with XXXX certification receipt showing it was received by XXXX XXXX. XXXX which clearly shows this company is in direct violation of XXXX laws.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
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 — Public record information inaccurate
Company: LoanCare, LLC (AZ)

Loancare is reporting to the credit reporting agencies that our loan was discharged through bankruptcy when it was NOT. I've submitted paperwork showing that it was never discharged, payments were never missed ( but this was not reported ) and the loan was paid off when we sold the home. We did have a bankruptcy, but the home was NOT included in discharged assets. I've sent the bankruptcy documents, sale documents, and payment history to XXXX and they continue to mark it as discharged through bankruptcy.
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: EGL US, LLC (TX)

PLEASE SEE ATTACHED THESE ACCOUNTS : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX TO ENTER THE REQUIRED NOTICE OF DISPUTE INTO COMMENTS SECTION. 
DATE LAST ACTIVE DIFFERENT DATES AND YEARS AS WELL AS PROOF OF RE-AGING. 
CHARGE OFF ACTIVITY AFTER THE CLOSE DATE ( OR ( XXXX ) XXXX XXXX ( COLLECTION ) WITH BALANCE {$14000.00}. DATE LAST ACTIVE XX/XX/XXXX ( XXXX  ) DATE LAST ACTIVE XX/XX/XXXX ( XXXX ) XXXX SHOWING DATE LAST ACTIVE XX/XX/XXXX ( XXXX  ) DATE LAST ACTIVE XX/XX/XXXX ONE BUREAU SHOWS YOU WERE PAID ON TIME BUT ANOTHER SHOWS YOU WERE 30 DAYS LATE THERE SHOULD NOT BE LATE PAYMENTS OR CHARGEOFFS ONCE THE ACCOUNT IS CLOSED. HOW DOES THAT MAKE SENSE?
Consumer complaint received 2022-03-18
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. (TX)

Early XXXX I attempted to get my free annual credit report and was only provided with my XXXX and XXXX and I got an error message that my Equifax report was not available. I went to the Equifax website to attempt to login only to get an error message telling me to call XXXX for assistance. I called the number and no one has been able to tell me why I cant access my account and that the would proceed to open a ticket and will call or email me when the issue has been resolved. I spoke with someone on XX/XX/22 who assured me the issue was resolved yet I am still not able to access the account. I called Equifax again on XX/XX/22 and spoke to an agent who told me that I needed to send if all this proof of identification to open a case to " see '' why there was a block on my account but couldnt tell me if the issue can be resolved. I spoke to someone in the Consumer Affairs department and they still cant get it resolved and have continued to open tickets that never resolved the issue. I cant even access my Equifax reports from XXXX party sites.
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)

PLEASE SEE ATTACHED THESE ACCOUNTS : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX TO ENTER THE REQUIRED NOTICE OF DISPUTE INTO COMMENTS SECTION. 
DATE LAST ACTIVE DIFFERENT DATES AND YEARS AS WELL AS PROOF OF RE-AGING. 
CHARGE OFF ACTIVITY AFTER THE CLOSE DATE ( OR ( XXXX ) XXXX XXXX ( COLLECTION ) WITH BALANCE {$14000.00}. DATE LAST ACTIVE XX/XX/XXXX ( EXP  ) DATE LAST ACTIVE XX/XX/XXXX ( XXXX ) XXXX SHOWING DATE LAST ACTIVE XX/XX/XXXX ( EXP ) DATE LAST ACTIVE XX/XX/XXXX ONE BUREAU SHOWS YOU WERE PAID ON TIME BUT ANOTHER SHOWS YOU WERE 30 DAYS LATE THERE SHOULD NOT BE LATE PAYMENTS OR CHARGEOFFS ONCE THE ACCOUNT IS CLOSED. HOW DOES THAT MAKE SENSE?
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 — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

I, XXXX XXXX XXXX, consumer, original creditor, in fact did not consent to, authorize nor benefit from any of the following account. There was no consent nor did anyone give permissible purpose for the account listed pursuant to 15 USC 1681b ( a ) ( 2 ). I have been injured from identity theft from this fraudulent activity. Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act.
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: OneMain Finance Corporation (PA)

The following inquiries are on my Credit report, I have not made these inquiries and are requesting them to be removed. I have sent 4 letters for removal to XXXX, XXXX and XXXX and these have not been removed.This is hindering my ability to gain approval for a home and relocate my family to safer area : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ONE MAIN XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-06-09
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. (LA)

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 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 2022-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE SEE ATTACHED THESE ACCOUNTS : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX TO ENTER THE REQUIRED NOTICE OF DISPUTE INTO COMMENTS SECTION. 
DATE LAST ACTIVE DIFFERENT DATES AND YEARS AS WELL AS PROOF OF RE-AGING. 
CHARGE OFF ACTIVITY AFTER THE CLOSE DATE ( OR ( TRAN ) XXXX XXXX ( COLLECTION ) WITH BALANCE {$14000.00}. DATE LAST ACTIVE XX/XX/XXXX ( EXP ) DATE LAST ACTIVE XX/XX/XXXX ( TRAN ) XXXX  SHOWING DATE LAST ACTIVE XX/XX/XXXX ( XXXX  ) DATE LAST ACTIVE XX/XX/XXXX ONE BUREAU SHOWS YOU WERE PAID ON TIME BUT ANOTHER SHOWS YOU WERE 30 DAYS LATE THERE SHOULD NOT BE LATE PAYMENTS OR CHARGEOFFS ONCE THE ACCOUNT IS CLOSED. HOW DOES THAT MAKE SENSE?
Consumer complaint received 2019-08-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (FL)

I enrolled in XXXX  XXXX XXXX XXXX  program in Accounting I was unsure whether I would like the online learning format, so I asked the enrollment counselor with whom I spoke on the telephone what date I would have to withdraw by in order to not incur tuition charges. And I was been told you will receive student grant financial add you don't have to pay anything I hated the online format, and was absolutely certain to withdraw by the date I was told by the advisory. However, I was subsequently billed by XXXX, nonetheless. I disputed the matter back and forth with XXXX, informing them of the conversation I had with the enrollment adviser, but they insisted I withdrew past the deadline. Since the conversation I had with the adviser took place over the telephone, I have no proof -it is merely word against word. But I am certain I withdrew by the deadline in order to not incur charges. XXXX turned the matter over to collections Agency and they, in-turn have now reported a derogatory remark on my credit report, resulting in a lowered credit score.
Consumer complaint received 2016-03-26
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC (WI)

I was checking my credit report on XXXX/XXXX/16 and noticed a negative collection item reported to the credit bureaus as a collection item from Jefferson Capital Systems. I do n't know who or what this company is and never received any written communications from them. I checked my records and I have never received anything from this company or any written notice giving me a 30-day opportunity to respond.
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MI)

The company is XXXX 's XXXX XXXX. The credit company is Comenity Bank. 
I set up an autopay for my account. When I contacted them they said that the information I put in the payment section was incorrect. I called my bank to verify that the info was correct. It was. So I went ahead, just in case, and re-entered the information. I paid the XXXX on the account. I contacted them via a message on their site to see if they would excuse the fee on XX/XX/22. I tried calling them, but I got cut off when I didn't click the right option because none of them applied to what I needed. On XX/XX/22 they sent me a response that the account was closed so they could not credit the fee of XXXX. I didn't see the message on their website until I received the statement in the mail that showed now my fees were XXXX. I went on their website and saw the message saying they could not give me the credit because the account was closed. I have no idea why they didn't email me or call me. They have both my email and phone number. I called to see if they could excuse the fees again. The response was that the account is closed so they can not credit the fees. My response to them was if the account is closed and you can not credit the fees how can you be charging the fees on the closed account. One can't work without the other. They would not credit the fees. It is not about the money, it is about the shady practice. I think they have done this on purpose to make money. Very troubling to take advantage of people. I also went to check their reviews, they are very low, so I don't think I am the only one who had had problems with them. Thank you, XXXX XXXX.
Consumer complaint received 2022-03-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo is saying I have not paid them for 22 months. I have bank statements to prove I have. I have charged them for my accounting services. Even though I have sent my bank statements, they still say I haven't paid. Since the last fax of bank statements, they are saying they can't read the statements. Other times they said they never received them. I want to sue them for this negligence. They are claiming I owe them 20k. This is 20k of money I gave them that they are stealing from me. They want me to sign a loan modification for another 30 years and add on about 20k.
Consumer complaint received 2022-03-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Received a Bank of America credit card in the mail for an amount {$6000.00}. I notified Bank of America I did not request this and they did close it. But when I asked to have removed from my credit report they refused. I did advise them that I have a Fraud alert and a credit Freeze on all 3 credit Bureau 's. XXXX XXXX XXXX