davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reported a fraudulent charge of {$520.00} that occurred on XX/XX/2023 on my XXXX XXXX Credit Card. I submitted a dispute for this charge via the XXXX website as soon as I noticed it in XXXX. I also reported it by calling customer service and they told me my dispute is under investigation for the next 30-60 business days. I proceeded to call multiple times in XXXX and XXXX to check the status of the dispute, and they continued to tell me the dispute is under investigation and that the charge itself is on-hold and my account would be " on pause ''. Despite this, XXXX continued to charge my account late fees and interest charges. I called back several times in XXXX and XXXX to ask why I am being charged these fees. Furthermore, XXXX fraudulently reported my credit account as delinquent, even though I had an active dispute investigation ongoing. This negatively affected my credit score and my credit line for this account. In XXXX, I called again once I learned of this, and XXXX admitted their mistake and told me I should have been given a credit for the fraudulent charge much earlier. XXXX fraudulently and incorrectly reported my account as delinquent to credit agencies, even though I have a valid dispute of a fraudulent charge ongoing.
Consumer complaint received 2020-02-08
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: EQUIFAX, INC. (NC)

I recently disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Take a look at the attached documents. I request the bureau to investigate these accounts, as they incorrectly portray me as late when I have been consistently on time with my payments.
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I filed a Chapter XXXX in XX/XX/XXXX. I recently looked at my credit. I have/had no late payments as reported by all of my creditors on all 3 reports. 

All creditors have noted " wage earners '', Chapter XXXX on each account. Federal Court has Chapter XXXX noted on credit report. 

CRA 's have added, in each account, a failure to pay, on whatever month they choose. The lastest being XX/XX/XXXX, which will extend the 7-10 years. 

So, Federal Court noted Chapter XXXX, creditors noted Chapter XXXX. Now CRA XXXX  have added to each account. So I had nothing bad reported except chapter XXXX. Now I have 12 derogatory remarks on my credit. It makes it impossible to rent or buy anything on credit. I can't even refinance my house. I understand it's bankruptcy, but without the CRA 's doing more than just coordinating the submissions, my score would be in the 600-700 range. My situation is different than most because I had no derogatory remarks from creditors. It's bad enough having a bankruptcy, having CRA 's do this is even worse. 

Why are CRA 's allowed to add any additional information to a creditors submission? Is this actually accurate?
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Despite multiple written requests, the unverified account listed below continues to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK (NY)

This debt has already been settled in court it was also sold to a third party so I don't owe them anything, discover bank keep reporting the debt to the credit bureaus and it keeping my credit score down, I have prof from the court that the debt has been discontinued.
Consumer complaint received 2023-06-27
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2020-08-03
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX {$220.00} XXXX XXXX XXXX XXXX {$8400.00} XXXX XXXX XXXX {$410.00}
Consumer complaint received 2019-06-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HW Holding, Inc (VA)

I received several threatening phone calls on my phone. They were so threatening, like call in 30 minutes or you'll go to jail etc, from a collection company called Hunter Warfield , Inc., that I thought they were fake calls because this kind of talk is illegal when collecting debts.

The debt they refer to as a joint debt, is not. It is a debt from my ex wife regarding a home she lived in and I never lived in because I lived in another state and we are divorced.

Additionally, I never received any written notification regarding the debt, just random threatening phone calls about going to jail from Hunter Warfield , Inc .

This is not my debt, and their collection practices are illegal.

Also, this was placed as a collection account on my credit report. I was never informed besides threatening messages even what the debt was about. I was never informed I could dispute. And I want it off my credit report because it is not my issue.
Consumer complaint received 2021-10-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TX)

I am a victim of identity theft and enclosed you will find a debt validation and full material disclosure request for the alleged debt I owe Midland Credit Management. I never authorized or entered a consumer credit transaction with Midland Credit Management, XXXX XXXX or XXXX  XXXX.
Consumer complaint received 2019-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (SC)

My home mortgage was with a bank named Nationstar a year later I find out that the name Mr Cooper will be taking over that old company and will for now be handling my account. My payments are set up to be automatically drafted from my checking account. Starting in XX/XX/2018, this company starting taking triple the amount of my SET rate out of my bank account. I went to the bank stopped the automated drafts. I called the company and told them for now on I will send you my payments. From then on I have. I have not missed a payment, never been late. I have full proof. My complaint is on this company for continuous bullying and harassment. I hired a attorney and he sent them a letter saying to no longer contact or mail me anything. So with that being said my most recent problem is I received a letter from the mortgage company saying Im 4 months behind in my payments. I told my attorney and he recommended contacting you because he could not do anything w/o taking them to court. I have plenty of proof of me making my payments and sending them on time. Please help me, im In desperate need of help.
Consumer complaint received 2021-10-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: M.A.R.S., Inc. (MI)

Mars trying to collect money from me I asked them to send me signed documents and they failed to submit anything. Told them to stop calling me I get calls from different numbers threatening to take me to court asking for my bank information talking disrespectful to me. I dont know these people this is on my credit asked for it to removed due to they cant provide proper documentation I feel threatened at this time.
Consumer complaint received 2021-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (CA)

I purchased a power cord for {$31.00} from XXXX XXXX XXXX XXXX using my Discover Checking ATM Card, and was sent someone else 's partial order. I called XXXX to rectify the problem as was told that they would overnight me a cable and issue a call tag for the wrong items I received. I did not receive the cable I originally paid for, and followed up with a call. I was told they could not help me further. I tried to contact corporate by received not correspondence back. 

I then proceeded to start a chargeback claim with Discover Bank on the basis of fraud. I was told twice by them that they could not help me because Regulation E did not protect me if the merchant sent me the wrong item. 

Discover is allowing this fraudulent charge and not protecting me as a consumer and customer. I have banked with them for over 2 years and have been an outstanding customer. I would like to proceed with a complaint against Discover Bank for this incident.
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: American Financial Network Inc. (NJ)

American Financial Network keeps sending plastic cards via USPS with personal mortgage information for all to see - how much I still owe and estimated home value, I had previously submitted opt out to XXXX which has been ignored
Consumer complaint received 2020-09-25
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)

I have sent them four certified letters, asking the agencies and companies to investigate that these accounts are not mine and asking them for the original contract with my signature, which I have never received any document and the accounts do not belong to me.
Consumer complaint received 2023-05-20
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. (NJ)

To whom it may concern : I am writing to dispute the inclusion of a cellular bill on my credit report. I have reviewed my credit report and noticed a statement from a cellular provider that I do not recognize. I have never had an account with this provider or received any services from them. 

This bill has been included on my credit report in error. Please investigate this matter and remove the account from my credit report immediately. I am concerned that this bill may affect my credit score and would like to remove it quickly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Maximus Federal Services, Inc. (NM)

Advantage student loans is on my report twice called the company and they have no records under my name or social they told me to call the national student loans called them they have no records of any student loans on my name either the first one on my report is for {$3900.00} it has no monthly payment on in and both where open the same day please help me remove this from my report thank you so much
Consumer complaint received 2021-06-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (TX)

In XX/XX/XXXX, my daughter was involved in an auto accident in which the insurance company deemed the vehicle as a total loss. In XX/XX/XXXX, the insurance company submitted a settlement check as well as the extended warranty was canceled and the proceeds were also forwarded to Santander Consumer USA. At the time of the accident, there was a total principal amount due of XXXX. This also does not include any past fees or late charges that are due. After speaking with Santander numerous times in XXXX  while navigating thru the insurance claim, it was my understanding that what was received from the claims would apply to principal. 

In XXXX XXXX XXXX issued a check in the amount of XXXX to Santander as part of the insurance settlement claim. Also in XXXX, XXXX issued a check in the amount of XXXX from the canceled extended warranty. Total net proceeds was XXXX which would have left a principal balance of XXXX. 

In an attempt to negotiate with Santander to close out the loan, the amounts due are not matching up. They are seeking XXXX when one screen says XXXX due with an account balance of XXXX. The company refuses to settle for less based on company policy after their own agents told me over the phone that once it left the insurance department that I could create a settlement agreement on the deficiency balance and now are threatening to charge the balance off.
Consumer complaint received 2019-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

Hello, i lived at XXXX XXXX XXXX apartment XXXX. 
XXXX XXXX XXXX, XXXX, TX XXXX XXXX the accounting for them said my final bill was paid on XX/XX/19 she gave me a paid in full ledger and letter. 
the following week im sent to a collection agency iq data. XXXX XXXX XXXX, XXXX, WA XXXX. 
they tried to collect the debt that the apartment said i paid in full. last week i fax them the ledger and the letters of paid in full. to this day they are still trying to collect from me and telling me i am wrong. i ask for a manager and manager sent me to voicemail.
Consumer complaint received 2023-06-28
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: MicroBilt / PRBC (formerly CL Verify) (MA)

I checked my XXXX credit report and noticed an Inquiry dated XX/XX/XXXX from a company, Microbilt, which I never applied to for credit. The unsolicited inquiry impacts my credit report negatively and remains until XX/XX/XXXX. I work hard to protect my credit and do not appreciate unsolicited inquiries on my report. Thank you for your prompt follow up on this matter.
Consumer complaint received 2023-05-21
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. (GA)

XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX XXXX late payment XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (LA)

I first called into Ford Credit on XX/XX/2020 about extra fees being past due on my account. I keep getting the run a way. They keep saying theyre working on the account, but updating it incorrectly. They updated my account as 90 days past due for the last two years payment history. I want this entire account deleted immediately.
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

On XX/XX/XXXX I opened an account with XXXX XXXX XXXX XXXX and the account was closed on XX/XX/XXXX, A derogatory remark was made on my credit report XXXX, Equifax, XXXX, stating that this account has a balance of {$2500.00}, and also that I have late payments XX/XX/XXXX of 120 days late I can not understand how this can be possible is the account was closed in XX/XX/XXXX and how can any account be reporting late for 120 days for 3 consecutive months? Also I did have an account here but my balance has never been {$2500.00}, I do n't understand how they can add {$1000.00} plus dollars to my account, please help me I have contacted this company many times I would like to address these issues by either paying what i truly owe them or get this negative remark removed from my credit report.
Consumer complaint received 2023-01-18
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: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.