davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the account that are still showing on my report. 
XXXX XXXX XXXX creditor XXXX XXXX LEASING XXXX Balance : -
Consumer complaint received 2022-03-15
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 (CA)

On XX/XX/XXXX I went on my credit report to see what I could be eligible for and 3 hard inquiries were on my report I didn't recognize such as : XXXX XXXX XX/XX/XXXX XXXX XXXX bank XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I had called 2 credit places XXXX XXXX and XXXX and the both said they cant do anything without a report from the FTC
Consumer complaint received 2022-03-15
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: CURO Intermediate Holdings (CA)

On XX/XX/XXXX I went on my credit report to see what I could be eligible for and XXXX hard inquiries were on my report I didn't recognize such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had called XXXX credit places XXXX XXXX and XXXX and the both said they cant do anything without a report from the FTC
Consumer complaint received 2022-03-15
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. (CA)

On XX/XX/2021, I sent a letter to XXXX, and Equifax addressing a concern about an account that they were and still are reporting on my consumer credit report. 

They are reporting a collection account as an open account with a past due balance and late payments. I have never opened an account with the company reporting, and a collection should not be reported as an open account. 

I have tried to get this matter resolved on my own by writing letters to both of these reporting companies. 

I have tried 4 times via letters and they keep reporting the same status. 

They have also failed to provide me proof that they have conducted a proper investigation to my request.
Consumer complaint received 2022-12-16
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 appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MI)

The Synchrony Bank/PayPal account with the account number XXXX was marked as Charge-off with an identified balance of {$3000.00}. However, a charge-off account should have a {$0.00} balance so, my question is why does this account have a specific amount?
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IN)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2022-03-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

My loan was in forbearance for XXXX relief which ended on XX/XX/XXXX. I called in XXXX to discuss my options for bringing my loan current and was told I was calling too early and to call back in XXXX. I called back at the beginning of XXXX and was given XXXX options : pay the full amount of arrears, defer the missed payments to the end of the loan, or get a modification. I told her I needed the modification because my financial situation has changed. She told me she'd send the request and someone would be in touch with me. I never heard from anyone. Then I received a letter in the mail telling me my deferral was approved. I called back and asked why my payments were deferred when I asked for a modification and was told the first woman never sent the request. This woman told me she could see in the notes that I had asked for a modification and not to worry, she'd get it fixed. She told me someone would be in touch. A couple of weeks went by and I hadn't heard from anyone so I paid my XX/XX/XXXX payment on XX/XX/XXXX. A few days later, I received a phone call from someone telling me my loan was in default. They had reversed my deferral and credited my payment to the arrears, She said I had to pay {$22000.00} to bring my loan current. I explained everything to her regarding my prior phone calls and she said she could see it all in the notes and that my loan was sent for modification approval. She told me not to worry, someone would be in touch. Today I received a letter in the mail that says I have to pay {$23000.00} or they're going to start foreclosure proceedings. I called again and spoke with someone who left me on hold for over an hour and told me to ignore the letter, " everything 's fine. '' She said my modification has already been approved and I've already signed all the documents. I've signed nothing, nor has anyone called me or told me my modification has been approved. When I login into my online account, it's showing me that my loan is in default and that I owe mortgage payments back to XX/XX/XXXX. Telling me to ignore a default letter seems like an underhanded way to take my house. I asked twice to speak to a manager or a supervisor and was told there were none available to talk to me. The 15 grace period for my XX/XX/XXXX payment which I already made but wasn't credited, is up today. I was told not to worry about a late payment being reported to the credit bureaus but I don't believe that either. " The Consumer Financial Protection Bureau ( CFPB ) issued a new rule requiring lenders to allow borrowers with certain hardship qualifications to modify their loans through a streamlined process. This rule went into effect on XXXX XXXX, XXXX, and currently extends through XXXX XXXX, XXXX. '' If this requirement ended on XX/XX/XXXX, it explains why they told me to call back in XXXX.
Consumer complaint received 2017-09-08
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)

The credit reporting agency, Equifax, has had a severe security breach to which I have " possibly '' been affected -- not a " yes '' and not a " no ''. While that sounds extremely vague, it is extremely unsettling. I 've heard that the security breach could have been as early as XX/XX/XXXX - XX/XX/XXXX, and it is only now becoming public knowledge here at the beginning of XX/XX/XXXX. I work very hard to pay my bills on time and to establish myself as a trust-worthy borrower. This company has my confidential information, and I am not pleased that their digital security is lacking enough to have had a breach. Not only is my personal information possibly in the hands of others whom should not have it, I also heard that their executives issued an impromptu stock/sharing sell-off prior to the public 's knowledge of this security breach. I 'm not an expert, but that sounds like insider trading to me. From what I hear, and if past occurrences are any indication of the precedent that has been set, this company and its executives will receive a " slap on the wrist '' while other hard working Americans could possibly have their lives ruined due to identity theft or other types of forgery at the carelessness of others. I 'm sure this is not going to be the first complaint against Equifax, or the last, but this is absolutely unacceptable.
Consumer complaint received 2022-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NE)

I mailed my credit card balance of XXXX to comenity on XXXX XXXX payment in full. Finally on XX/XX/XXXX my online profile showed my payment updated and that my balance was XXXX. A day or so after I went to delete my profile and noticed a XXXX late fee plus XXXX minimum interest fee being applied. I called customer service who first tried telling me that I had paid on line and that my payment was late but of course I had mailed in a money order. I was placed on hold forever, then the rep comes back and informs me per his supervisor my payment came in late on the XXXX. First it wouldn't have taken that long for the mail to have reached them. Secondly if this business is receiving mail that late in the day show me the envelope with the post mark. Also, my online profile shows where this company indicates a late fee on the XXXX on this acct and the due date isn't until the XXXX. I have my screen prints from my on line XXXX XXXX showing where my payment on the XXXX ( my due date ) was updated reflecting payment received on the XXXX. Also, I have a screenshot showing where this company applied the XXXX late fee on the XXXX prior to my due date of the XXXX.
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (TX)

They texted me stating is an attempt to collect a debt for Southwest Credit. I do not know who that is nor have I ever opened an account with them. I do not trust a debt collector coming through text messages either. The number it came from is XXXX. Happened on XX/XX/2022.
Consumer complaint received 2022-03-15
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. (NC)

I submitted 4 separate disputes to this company. One of my issues on my credit report were multiple unknown inquiries. Instead of this company addressing my concerns, they were flat out ignored. This is a direct violation of my consumer rights under the FCRA which gives me the right to dispute all information on my credit file, for the bureaus to respond, and lastly, have my credit file reporting ACCURATELY. 

Dates of my letters are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

I've had a Citibank XXXX XXXX XXXX card for over three years. I made the payment ON TIME every month via direct deposit from my XXXX checking account. In XX/XX/XXXX there was fraudulent activity on my wife 's ( over {$2000.00} ) debit card so XXXX closed the account ( the account that was tied to direct deposit ). After closing the fraudulent account, we opened a new account with XXXX with a new number. 

Obviously, when Citi tried to take payment from the XXXX account via auto-pay they were unable to do so as the account was closed for fraud. Therefore, the payment was never received by Citi. I received an email for the lack of payment, attempted 4 times to update the account number online and was unable to do so. So, I called Citi on XX/XX/XXXX to tell them the new account number verbally. The agent was fine with and in fact said they would waive any late fees or penalties as this was a simple oversight on my part. 

OnXX/XX/XXXXI was informed my account was closed and I have no available payment. Again, this account was ALWAYS paid on time and never late - even after the mix up the payment was not 30 days late. This is truly ridiculous so I am filing a complaint in the hopes you can get my account reopened. Thank you.
Consumer complaint received 2022-03-15
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account number : XXXX, XXXX XXXX XXXX  Account number : XXXX has violated my rights. 
15 U.S.C 1681 Section XXXX A. States I have the right to privacy. 
15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-11
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 discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX
Consumer complaint received 2023-05-19
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: REGIONS FINANCIAL CORPORATION (TX)

I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information.

I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing again in regards with the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section XXXX which requires all reporting to be 100 % accurate. 
XXXX XXXX XXXX XXXX Balance : {$29000.00}
Consumer complaint received 2021-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (CA)

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 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XX/XX/ - Initiated transfer from Capital One to XXXX XXXX account using XXXX XXXX XXXX This is a normal transaction I do every XXXX weeks ), {$600.00} withdrawn from Capital One. 
XX/XX/ - Money has yet to hit my XXXX XXXX account, called Capital One and they said the transfer had failed and had not credited my {$600.00} back. Submitted complaint and was informed that a credit would be applied next business day. 
XXXX  - Followed up in regards to credit to my account, they informed me it would take 10 business days despite being told to call next business day on the XXXX.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2022-03-15
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. (GA)

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 2022-10-24
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

To Whom it may concern : I recently received a Copy of my ( XXXX, XXXX and XXXX ) Credit report, and I noticed some late payment posted 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 XXXX XXXX ( Capital One Quicksilver ) XXXX XXXX Showing late on the following dates. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The companies is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this account on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;