davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (IN)

I had a collection on my credit report from credit control services in the amount of XXXX. The debt was on my credit report before I had any knowledge of the debt. I spoke to the collection agency, and they said if I pay the debt, it would be removed from my report. So, I paid the debt last year in XXXXXXXX XXXX XXXX  and the collection is still on my credit report.
Consumer complaint received 2023-07-21
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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 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 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 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 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 2019-02-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings (CA)

This is regarding fraudulent activity happened on file case number XXXX with AVIO CREDIT about the fraud and sent all the documents through the email ( on Dated on XX/XX/2018, and after that I have repeatedly emailed them, however, ( They don't even care to reply to my emails ) hence no appropriate action has taken place and because of that Derogatory Remarks have been posted on my Credit Report ). I have not taken any loan and I dispute any charges that are associated with it. I have already filed a police complaint when this fraud took palace and a copy of the police report is attached. Cpl. XXXX XXXX and Officer XXXX XXXX have ensured that they will provide any additional clarification or information regarding the investigation. I'm also attaching their contact details.
Consumer complaint received 2019-02-08
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 (VA)

I called first about the same thing on XX/XX/XXXX XXXX to dispute the same transaction and after I provided all the details they asked for I was told and so forced to call again despite i Repeatedly requested to dispute the charge and when my ability was impeded to so i tried again and this is what happened : second attempt refused and here the details of same transaction : On XX/XX/2019 I initiated and made a recorded call to my Barclays Bank to dispute an online or internet transaction of {$60.00} charged to my Barclayss frontier MasterCard credit card. It was close to midnight so the call entered XXXX XXXX when the Barclays representative refused to take my dispute despite I told her I have different forms of proofs and she resisted taking my dispute in selfish manners and suddenly stated she is calling XXXX and the phone hang up on me from the other end. For the second time refusing my dispute!!! Whats wrong with the bank these days? Barclays must be subject to severe punitive sanction for violating my right to dispute a transaction. I was still talking to my bank credit card representative when I heard her saying transferring to XXXX without my consent to that and call ended not from my end their other end. I called third time minutes after the second call to contest Barclayss discrimination against my person to take my dispute or Im XXXX different than other customers and on what?
Consumer complaint received 2019-02-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (LA)

On XXXX XXXX, 2019, I received a letter via email stating that I could call to make arrangements over time to pay my delinquent American Express card. No where stated in the letter that my card was not eligible for this arrangenent. When I called American Express to make payment arrangements, I was that I could not. They need to adhere to their words stated in the letter.
Consumer complaint received 2022-09-06
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-08-18
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-18
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. (NC)

im having some very weird issues with my credit scores and the discrepancies amongst the three bureaus and my FICO score. The range of my score is so vast and the information is so different on all three I dont know whats real and I dont know how Im being denied credit. My main issue is with XXXX XXXX. I am very frustrated because I can not log into my account the website keeps refreshing and asking me for my information over and over when I phoned them trying to get someone in customer service I can not get anyone to talk to unless I give a robot all my information like my Social Security number my birthday my address and that is not OK. 

I really could use some help determining why my score is so low when the credit card companies give me my letter of denial the score they give me is way off and so low from what I see when I log into XXXX or XXXX XXXX. Also, theres information on my credit report that shouldnt be there anymore and I am very ineffective and getting it taken off. I have disputed it it has been resolved and yet its still on there really negatively affecting my life.
Consumer complaint received 2023-07-20
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Centralized Business Solutions Company (OH)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2019-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (GA)

Ive had several calls stating I need to pay but first send in documentation. The First call was from a man that gave me an email the second was from a woman that gave me a website. Neither of them were helpful and I got different information concerning my student loans from each one of them. They threatened me by telling me that if I don't start paying that there will be consequences with my account. After I had told them i was not employed and was barely feeding my children they were still adimit on telling me to borrow money from someone to pay it.
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (OH)

HERE ARE THE OTHER COMPANIES THAT ARE SHOWING AS HARD INQUIRIES ERRONEOUSLY ON MY CREDIT REPORTING : XXXX XXXX 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
Consumer complaint received 2019-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Transunion is in violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I did not authorize anyone employed by these companies to make any inquiry and I have notified the credit bureau as well as the creditors since that's what the credit bureau recommend and they have refused to remove several inquiries that they have continued to report on my credit report. I even send my letters notarized and my letter went ignored by TransUnion. This has been going on since XX/XX/XXXX. I reported inquiries that I did not recognize and I have contacted the original creditor and the credit bureau still reporting these fraudulent inquiries on my credit reporting under my social security number. I have requested several times that they remove immediately inquiries reporting from XX/XX/2018 to XXXX XXXX. They have me confused with someone else. I pulled a report in my area and there are over a thousand XXXX XXXX in my area as well as I have a child with the same exact name as myself. Transunion has failed to remove the following fraudulent inquiries XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX I have told them that I do not consent to XXXX  or any means of automated verification.
Consumer complaint received 2019-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (DE)

My complaint is with Sears Master Card XXXX XXXX XXXX, XXXX XXXX, SD XXXX.They changed the limit of {$250.00}. The XX/XX/XXXX statement came with a balance of XXXX. I called and they said the limit went up to {$350.00}. I contacted them but they still said I am responsible because the computer does this automatically. I did not receive that letter until after the fact ( I am have my mail monitored by the USPS because we have not been receiving our mail ). I called to stop the charges immediately and I paid the {$250.00} I agreed upon initially but said I will pursue this further. Then I received another bill on the XX/XX/XXXX for {$460.00} which did not reflect the {$250.00}. The next statement for was XX/XX/XXXX was for {$260.00}. I explained to many representatives and the Acceleration Dept. that I am XXXX XXXX XXXX, on Social Security and working part time. The charges went for resumes for work and the fees for resumes are flexible which drove the bill past {$250.00} which I thought was the limit. I challenge anyone to tell me that they read every long microscopic detail of the credit card company 's explanation for why they are doing me a favor changing my credit limit. 
Supposedly, I have been a valued member of this company since 2011 and been paying my bill promptly since then. I received a letter on XX/XX/XXXX from XXXX XXXX, Executive Response Unit - XXXX I appeal to you for help
Consumer complaint received 2022-08-18
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. (NY)

On XX/XX/2001 XXXX XXXX hit with a hard inquiry. I have tried on multiple occasions to have this removed sending letters and calling them over the past year. I asked them did I have new credit card or anyone apply for a new credit card they say no. I know I have had an account with them 5+ years maybe someone requested a credit line increase is the only other thing i can possibly think of that maybe I left the computer on at a library or somewhere I was at. I never authorized anyone to run my credit on that day and would like the inquiry removed. I am very happy with XXXX  XXXX otherwise as i've been a long time customer but this inquiry I honestly have no idea what there talking about and is in accurate and erroneous
Consumer complaint received 2022-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Revenue Corporation (TX)

I am a XXXX veteran, and had an emergency for XXXX on XX/XX/2022. This was the third time it has happened. 
I told the lady who takes the info that this is covered by VA 100 %. 
Now United Revenue is billing me {$200.00}, that I do not owe for their mistake. 
I asked for validation of the debt and they did not satisfy the request in a legal manner. So I wrote back with a refusal to pay. They violated the FDCPA & FCRA, which I will seek damages for it.
Consumer complaint received 2019-02-08
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: JPMORGAN CHASE & CO. (CA)

Someone had used my information and made an unauthorized hard inquiries 1.Chase XXXX and XX/XX/XXXX 2.XXXX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

A letter was sent to Equifax certified mail return receipt regarding incorrect information on my credit report regarding my name. There were several variations of my name listed on the credit report. I sent a letter to Equifax with a copy of my social security card, drivers license, and proof of residency. As a reply to my concern of incorrect reporting on the report confirmations XXXX ( XX/XX/XXXX through XX/XX/XXXX ) XXXX the incorrect names were removed. On my most recent report confirmation # XXXX dated for XX/XX/XXXX, Equifax has added the incorrect name on my credit report again which Equifax has listed as a formerly known as name. I have not been notified by Equifax about adding a name on my report, in addition, the name is not deliverable to me by the US Postal office nor is it reportable as per the FCRA since it is inaccurate. Equifax continues to record inaccurate information on my report as several attempts have been made to make corrections.
Consumer complaint received 2019-02-08
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: EQUIFAX, INC. (NC)

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-08-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DC)

My credit reporting on XXXX from XX/XX/2022 is wrong. The notations about delinquencies, past missed payments over 30, credit score algorithms are all wrong.
Consumer complaint received 2019-02-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

in XX/XX/2008 we decided to refinance our home so we chose XXXX well instead of a refinance we where pushed into a home equity loan little did we know the rest of our life would be turned upside down we ended up with a bad deed of trust a cloudy title and numerous other issues we have been fighting with the bank for almost 10 years with many attorneys with know out come they have stopped accepting payments and put us in foreclosure status the statue of limitations is up on the forclosure yet they keep on and even trying to sue us this has been an absolute nightmare fist XXXX   then XXXX XXXX XXXX And now XXXX  XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have a Visa with Capital One that had fraudulent charges on, which they took care of. They closed the account and issued a new card. When I received the new card, I put it in my safe and did not activate it. I started receiving phone calls from Capital One telling me that my account was delinquent on a card that I had not activated and had no previous balance. I looked online at the 'charges ' and the same fraudulent charges were being applied to my new, inactive card. Once again, Capital One reversed the charges, closed the account, and issued a new card. They also said that they would block any and all transactions from the companies that were charging my card with fraudulent charges. I received the new card and once again, it is being charged by those same companies for services I have never used nor authorized. Those companies are XXXX XXXX and XXXX. I want to know how an account that has never been activated can have charges on it and how is my account information being shared? I am the only person with access to that card and have not given it to anyone. The fraud has to be initiating inside Capital One. I want answers. There is no reason those charges, which amounted to THOUSANDS of dollars should have ever been allowed on my account.
Consumer complaint received 2022-08-18
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)

FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$15000.00} Status Account charged off. {$10000.00} written off. {$15000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1100.00} Status Collection account. {$110.00} FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Open. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Consumer complaint received 2023-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I checked my credit report XX/XX/XXXX and notice there were hard inquiries on my credit report that I dont have permissible purpose to be on there these hard inquiries are hurting me from being approved recognize I have reach out to all credit bureaus in the fraud department and these items are still in my credit profile. My rights are now being violated under 15 usc 168 1b XXXX XXXXXXXX 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