davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-26
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. (PA)

I recently reviewed my credit report and noticed that there are several inaccuracies being reported. According to the FCRA, as a consumer, Im entitled to a fair and accurate credit report. Im shocked at the amount of inconsistent and inaccurate information listed on my report and Id like it to be removed. All attached letters and evidence on these inaccuracies will be listed below.
Consumer complaint received 2022-08-26
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. (FL)

I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THE INQUIRIES ACCOUNTS AND TRANSACTIONS I AM DISPUTING WERE OPENED AND MADE BY THE THIEF, AND NOT BY ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY : I DISPUTE THE FOLLOWING ADDRESS ON MY CREDIT REPORT THAT I NEVER LIVED AT OR DO I KNOW ANYONE WHO HAS LIVED AT THE FOLLOWING ADDRESSES : XXXXXXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX DISPUTE THE FOLLOWING NEGATIVE ACCOUNTS THESE ACCOUNTS ARE NOT MINE I NEED THESE ACCOUNTS OFF MY FILE IMMEDIATELY!!! : 1.DEPT OF ED/XXXX ACCT # XXXX XXXXDEPT OF ED/XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX. CHILD SUPPORT ENFORCM ACCT # XXXX XXXX. XXXX XXXX ACCT # XXXX ATTACHED ARE A COMPLETED POLICE REPORT FTC REPORT CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT IDENTITY THEFT AFFIDAVIT AND XXXX XXXX BILL DRIVERS LICENSE. PLEASE DELETE THE DISPUTED ITEMS FROM MY CREDIT REPORT WITHIN FOUR DAYS AS REQUIRED BY THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2022-01-14
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)

I have a fraudulent account on my report, both Experian and XXXX. I have filed a police report and was sent to XXXX XXXX XXXX, XXXX and Experian. I also filed a FTC report and send it with requested documents to the companies mentioned above. They did not remove the account and they are saying that the account belongs to me ( and thats what the creditor said ). I have been dealing with this issue for the past 2 years. I have done everything I asked to do including : 1- police report 2- FTC report 3- dispute the account with creditor 4- dispute the account with credit bureaus 5- submitted supporting documents 6- submitted identifications documents XXXX XXXX XXXXXXXX is claiming the account is mine, I have never had this account with them, once I new about the account at the time I as applying for a loan I contacted XXXX XXXX XXXX and reported this fraudulent account . I also went to the bank in person as I was instructed and followed all XXXX  XXXX XXXX procedures to remove the account with no luck. 

Account number XXXX ....
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc. (OH)

I received a Cash App debit card in the mail, to my full name and address, for an account that is not mine. Fraud is being perpetrated in my name. I reached out to Cash App 's support who said that, because the account is not mine, they can not help me and it will not be addressed further. Cash App is actively helping fraud to be committed in my name.
Consumer complaint received 2022-01-14
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. (CA)

I have a fraudulent account on my report, both XXXX and TransUnion. I have filed a police report and was sent to Bank XXXX XXXX, TransUnion and XXXX. I also filed a FTC report and send it with requested documents to the companies mentioned above. They did not remove the account and they are saying that the account belongs to me ( and thats what the creditor said ). I have been dealing with this issue for the past 2 years. I have done everything I asked to do including : XXXX police report XXXX FTC report XXXX dispute the account with creditor XXXX dispute the account with credit bureaus XXXX submitted supporting documents XXXX submitted identifications documents XXXX XXXX XXXX is claiming the account is mine, I have never had this account with them, once I new about the account at the time I as applying for a loan I contacted XXXX XXXX XXXX and reported this XXXX account XXXX I also went to the bank in person as I was instructed and followed all XXXX XXXXXXXX XXXX procedures to remove the account with no luck. 

Account number XXXX ....
Consumer complaint received 2022-01-14
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)

I have sent factual disputes to the credit bureaus only for them to leave several items on my reports and claim they were " validated ''. They provided no information of how the investigation was completed, only that it was verified by the creditors. I pull copies of my report every month, and I have informed them that there are several blatant inaccuracies in my report that they continue to " verify '' as accurate with every round of disputes. They have inconsistent account opening dates, inconsistent Date of Last Activity dates, credit limit or high credit amount inaccuracies, and yet they continue to report these on my credit report. 

In addition to these inaccuracies, they are listing addresses that I do not reside at, and incorrectly formatted DOB, as well as having the wrong name on my credit report. Since I share the same name as my father and grandfather, how am I to know they aren't reporting stuff from them to my report if they wont list my name correctly on all 3 bureaus?
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-10-03
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: SUNTRUST BANKS, INC. (MI)

I wanted to get a loan.I checked my XXXX report and under loans pre-approved I applied for a loan with a soft inquiry with XXXX.After I did that I received multiple emails from different loan companies like XXXX, XXXX, XXXX XXXX, Lightstream, XXXX XXXX XXXX, ETC.XXXX called me right away and asked questions over the phone and asked permission to do softpull.I was denied credit from them.Shortly after I hung up the phone, i received a email from XXXX   showing a change on my credit report.I logged in on XXXX and it shows a hard inquiry I never gave permission or even talked to them for credit.
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Around 6 months ago Bank of America randomly sends me a letter saying I am 3 payments late and this will be sent to collections. I hadnt used this credit card for a while now and they never sent any letters telling me I had anything due. XXXX XXXXXXXX was the company charging me even after I canceled my membership with them a few months prior to this. I did everything they told me to do and they stated in person that I no longer had a membership with them. So 6 months ago when this first happened I reported fraud since it wasnt me making those charges and Bank of America credited my account but never did anything about my credit score.. and then they opened a credit card again without my permission. When I reported fraud I told them I want to close my account with them and didnt want a new one but they opened one anyways. Now three months ago they send the exact same letter only with a larger amount due thats also three payments late. I called them and said how is this possible, I dont have a credit card with you. I closed it already and the lady said that someone opened a new one after the fraud claim. Ive been to XXXX XXXX numerous times and they tell me I do not have a membership so I do not understand why they continue to charge me. Ive already put up a dispute against XXXX XXXXXXXX. Both Bank of America and XXXX XXXXXXXX caused my credit score to drop XXXX points. If Bank of America had sent me a bill when they were supposed to ( Im not even set up for electronic statements ) then this could have all been avoided but instead they are ruining the excellent credit score I had over their mistakes.
Consumer complaint received 2017-02-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R & B Corporation of Virginia (CA)

CREDIT CONTROL CORP is reporting on my credit report. IT SHOWS A ZERO BALANCE BUT THE DEBT SHOULD NOT BE REPORTING ON MY " XXXX CREDIT REPORT
Consumer complaint received 2018-09-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I am a housing counselor with XXXX. SPS Inc has denied reviewing a clients RMA package stating the signature on the scan was not legible. They then asked for XXXX XXXX to note that a hardship letter was attached. SPS has unfairly delayed fair review of this client.
Consumer complaint received 2023-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc. (IL)

XX/XX/2023 I paid {$5.00} apiece to my account at XXXX XXXX XXXX  from my Cashapp account. The company never applied my payment to my account or refunded me my money. I called twice no answer the third time a lady answered. She verified who I was & my account.. When she asked how can she assist me I told her how I paid my money & Im waiting on it to be applied to my account. She hung up on me. I called back once again.. No answer. So I notified Cashapp informing them what just occurred.. The placed fraud on both accounts but arent able to make the company refund me. I want my {$10.00} back. Thank You!
Consumer complaint received 2022-01-26
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. (MI)

I purchased the vehicle when I had just started my job back in 2018, working part time. I was given an astronomical rate due to being miss informed and a young minority in a desperate situation. After a few years I lost my job and was unable to regularly maintain paying my car note. Especially after I had to replace the engine within the first few days of owning the car and replace the Transmission in the first year. I contacted the creditor and informed them of my situation and they were unconcerned to say the least everytime. I was threatened with late payment and repossession. At a point my vehicle was physically taken but never repossessed. I payed the owing balance. My car was also in a auto accident that still isnt settled. So I paid my car off my self. I've disputed the multiple lates the account created I am hoping to have the account totally removed from my credit history due to the misreporting of information.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (CO)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX  XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The vehicle was fully paid off in XX/XX/2023 account currently shows as closed on their app
Consumer complaint received 2022-01-26
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. (MI)

I purchased the vehicle when I had just started my job back in 2018, working part time. I was given an astronomical rate due to being miss informed and a young minority in a desperate situation. After a few years I lost my job and was unable to regularly maintain paying my car note. Especially after I had to replace the engine within the first few days of owning the car and replace the Transmission in the first year. I contacted the creditor and informed them of my situation and they were unconcerned to say the least everytime. I was threatened with late payment and repossession. At a point my vehicle was physically taken but never repossessed. I payed the owing balance. My car was also in a auto accident that still isnt settled. So I paid my car off my self. I've disputed the multiple lates the account created I am hoping to have the account totally removed from my credit history due to the misreporting of information.
Consumer complaint received 2022-08-28
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: Admin Recovery, LLC (WI)

I wanted to get a loan for a car on XX/XX/XXXX and the car dealership told me that I owe XXXX $ to a furniture company in California. They also told me that there are multiple accounts open in other states, also " Admin Recovery , LLC '' a debt collection agency in XXXX XXXX, New York keeps calling me and family members in trying to collect money for furniture I didn't buy in California. I fear my identity is being taken and this is effecting my credit score and I can't buy anything at the moment.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (PA)

My target red card that was closed a few years ago but they are still reporting as my account is late every month. Which is causing my credit to keep going down. I settled with them to pay a lesser amount to clear my debt but they are only showing what I paid instead of clearing the debt like we talked about which is causing my account to still keep reporting late when the account been closed. I paid the debt XX/XX/2021.
Consumer complaint received 2022-08-26
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Date Opened : XXXX Balance : {$28000.00}
Consumer complaint received 2022-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

I was just told by AES, my student loan processor, that none of my loans are subject to Biden 's executive precluding interest due to a " loophole, '' and that no letter, e-mail, or communication to borrowers was sent out regarding this. 

The loophole is that even though my loans are Stafford loans ( they are identified as so on the AES website ), they are not " held by the Dept of Education '' and therefore not subject to the XXXX. All information I can find suggests that Stafford loans are held by Dept of Education ( even XXXX defines them as loans " offered from the United States Department of Education to eligible students enrolled in accredited American institutions of higher education to help finance their education '' ). 

This is a deceptive business practice for which no notice was provided.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-01-26
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: AMERICAN EXPRESS COMPANY (CA)

I disputed a charge from XX/XX/21 from XXXX on this card. This company and its associated airline are a fraud and American Express is enabling them : They changed my flight time to 12 hours later and then changed it to 24 hours later the next day. I tried several times to call the airline customer support to get a refund before the day of flight and they either never answered the phone or pretended not to hear me and hung up. XXXX was the same. Neither had an email address, just phone # s. I then went to the airport and I was told the flight was cancelled ( confirmed by the attached email I received ) but they could not refund my ticket and I would have to call the non-functional customer service! This is a scam. In XXXX XXXX 's terms it states I can get a refund for cancellations clearly. I had to take a more expensive flight the same day because it was impossible dealing with these two companies. It's really shocking how poorly American Express treats members of its most expensive platinum card. I will be cancelling this if the situation is not corrected.
Consumer complaint received 2024-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

I received a letter in the mail that you're going to buy your own insurance for my house, without even asking me, this is not justified, you sent me a letter in the mail, instead you should have given me a call or sent me an email, because I was out of the country, I just came back. 

I have a current and active insurance and there is no need to buy another insurance by the market servicer
Consumer complaint received 2024-03-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (PA)

Comenity bank/victoria secret is reporting an alleged debt on my consumer reports however, when I ask for proof by sending me the credit card agreement / truth in lending disclosures bearing my signature they deny it. This clearly means that they are violating federal laws as they can not prove that the debt belongs to me. Both the Fair Debt Collection Practices Act and Fair Credit Reporting Act are being violated by this company. Additionally I asked for an authenticated record of the account and a copy of the right to opt out disclosures and I have yet to receive a favorable response ( i did not receive a response ). This is a huge violation of my right to financial privacy of my nonpublic information. I also requested other things, please see attached.
Consumer complaint received 2023-06-26
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: CCS Financial Services, Inc. (TX)

I paid XXXX the original creditor on XX/XX/2023 and was informed that the account was in good standings as of that date, however the Collection company ( Credit Collection Services ) report the account on XX/XX/XXXX as a paid settlement. when it wasn't supposed to report to my credit report per the agreement with the original creditor nor any collection. Basically the collection was never involved according to my understanding. Therefore reporting a paid settlement should not be on my credit report. I spoke with an actual XXXX employee XXXX on XX/XX/2023 and she said nothing should be reporting on the credit report since payment was paid.
Consumer complaint received 2017-08-23
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: Convergent Resources, Inc. (NJ)

Collection account appeared on personal credit report for the first time on XX/XX/XXXX from a business called XXXX XXXX XXXX apparently a collection agency attempting to collect on a {$190.00} debt owed to a utility company. I notified them that I have never not paid a utility bill of any kind and they stated that they do n't need to provide validation of any debt beyond 30 days and this debt was assigned to them back in XX/XX/XXXX. However, I never received any notice from them relative to any debt allegedly owed. They refuse to remove this erroneous item from my credit history.