davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (NY)

On XX/XX/XXXX I received confirmation # XXXX from a collection company called XXXX XXXX ( XXXX ) XXXX to affirm that I had in fact resolved this matter for an old XXXX  bill, by settling the payment for {$510.00}. Then a month later the same bill was requested for me to be paid by another collection agency ( who's name I don't recall because once I gave them the information I provided above they dismissed the account ). Then on XX/XX/XXXX I received a letter date XX/XX/XXXX from another collection agency called AFNI, inc. ( XXXX ) XXXX requesting that I pay XXXX again for the same XXXX XXXX I had already resolved with XXXX XXXX. I immediately called AFNI, inc. on the evening of XX/XX/XXXX to explain that this matter had already been resolved but the representative refused to accept my information and stated that if I didn't pay that they would report the account to the credit bureaus ( which they did by the very next morning an AFNI, inc. collection account was reported on my credit report ( XXXX, not sure of the others as of yet ). I contacted XXXX in which they just directed to call another credit agency who directed me to call XXXX back and explain that they must resolve this matter. I can not get ahold of anyone at XXXX to resolve this matter, and I've tried every support avenue they offer from chat to calling them directly. I am at my wits end and do not know what to do from these predatory collection agencies continuing to try and collect on a bill that has already been paid.
Consumer complaint received 2022-02-22
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: CrossCountry Mortgage LLC (AZ)

With a drop in interest rates, I approached Cross Country Mortgage about a refinance after an unrelated solicitation implied rates were lower than I was paying. I asked the broker I was working with to explore this via email on about XX/XX/2021. We discussed over the phone and that was it. 

He pulled my credit and never got back to me. I signed no application, made no formal request to refinance, and never received a response from the broker despite several follow ups via phone call and email. 

I have reached out to remove the hard inquiry as it was not related to an actual application, and the broker never followed through on my request to explore refinance options. To wit, I received not a response or indication that could in any way be reasonably construed as guidance in the refinance process - not an indication of rate, terms, expectations, nor provided an actual application. 

I have yet to receive a meaningful response as to why I have an inquiry given their failure to provide anything for which an inquiry may be justified.
Consumer complaint received 2019-07-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Stark Collection Agency, Inc. (WI)

Didn't receive any letters stating I had a negative balance on a checking account that I had closed a few years ago. Apparently there was a balance of {$80.00} on my checking account when I had closed it and nobody told me as well as send me any information about it. It was then sent to collections and sat on my credit for a while without me knowing it which obviously hurt my credit score. This is my first and only debt issue and would like it removed so I can repair my damaged score.
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (VA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within XXXX  days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2019-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CO)

I have been contacted several times by National Credit Systems about debt to XXXX XXXX apartments for a debt I do not owe. I have been threatened several times via phone and have one recording of such. The threats include damage to my credit and making sure I would never get " another '' lease again, although I wouldn't need to ever have to worry about that. profanity used several times. I sent them 2 letters to no longer contact me cease and desist. They still call and harass. I obtain legal representation to have this matter cleared up and have provided them with my attorney 's information. If this continues and this account is not removed from my credit record I will pursue legal action against all parties involved including a XXXX XXXX XXXX who now has the account. I am sick of the harassment and do not owe this debt. I have provided an affidavit that was notarized and filed complaints with the FTC, your agency, the Georgia State Bar, and Attorney General 's office. I do not owe this debt in any way shape or form. I have retained an attorney and will pursue this as long as I need too.
Consumer complaint received 2022-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (TN)

Deposited {$50000.00} into checking account with Citibank XX/XX/XXXX via digital transfer online to receive their claim of {$750.00} reward if leaving such amount deposited for 2 months. 
Also deposited another {$45.00} from another account as well as depositing a check for {$850.00}. 
Instead of honoring their advertisement, they froze my account due to " possible fraud '' from depositing a check and have held my money hostage since. 
Not only did they finally admit to the initial {$50000.00} but they would not add the amount of the {$850.00} check deposit without confirmation from the issuer EVEN THOUGH they had already withdrawn the funds from their account. 
They where actually going to just keep that for themselves as well. 
Now that we've gone through these steps, it's XX/XX/XXXX and 30+ calls later, each employee that answers my call either hangs up on me after putting be on hold for 30 minutes ( AT LEAST, ) but never has the information " taken down '' from the last call. 
Ask for a supervisor, and they give you someone that gives you the same lines and hangs up on you after waiting sometimes an hour. 
Every time I provide information again, it's " not in the file, '' but they DO have my " case number. '' Refuses to give a phone number for a legal department and most refuse to give you an employee or supervisor ID number. When they do, it's fake. 
Supposedly going to get a call from a superior in 24-48 hours for the third time. Hasn't happened once.
Consumer complaint received 2021-03-10
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: National Credit Systems,Inc. (NV)

In XX/XX/2020, I disputed this account to say that this is not my account. The creditor could not verify my social security number for this account. There is a totally different social security number. The account was removed from the XXXX  Credit report but not all 3 credit bureaus as was it should be. I tried to dispute this again in XX/XX/2020, but still no response
Consumer complaint received 2022-02-22
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. (NY)

My credit score was XXXX yesterday and when I checked today it had decreased by XXXX points. I have 1 credit card which I am always on time paying. I am not sure why there was such a huge drop. Calling transunion did NOT help and the person had a language barrier. Nothing has changed on my report except I charged on my card. Please explain and advise what I need to do
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 


As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2023-06-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Remitly, Inc. (KS)

My name is XXXX XXXX XXXX, i tried to make an account on Remitly with all the correct details, i haven't made any transaction but still they suspended my account. for no reason. 
I request Remitly to revoke my suspension so that i can make the transfers to my friends and family. 

Company Name : Remitly Name : XXXX XXXX XXXX Email : XXXX Mob : XXXX Add : XXXX XXXX XXXX, XXXX, Kansas XXXX
Consumer complaint received 2022-02-22
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: TD BANK US HOLDING COMPANY (NY)

I am writing in reference to the 30 day late payment marks of XX/XX/XXXX - that TD Auto Finance supplied to the XXXX XXXX credit bureaus XXXX, XXXX and XXXX ( I have circled the items in dispute, on the attached copy of my credit reports. ) On XX/XX/XXXX - I mailed a payment check to TD Auto Finance dated : XX/XX/XXXX for the amount of {$660.00} which was to cover the XXXX payment in question. - I explicitly requested the post office to post-mark the envelope which they did was clearly marked as XXXX XX/XX/XXXX ( See copy of Check and Postal Receipt attached. ) On XX/XX/XXXX I noticed the late payment marks on my credit bureau reports, - I immediately contacted TD Auto Finance via phone but to no avail. Finally on XX/XX/XXXX TD Auto Finance acknowledged receipt of payment but they only posted it as a payment received on that date. 

On XX/XX/XXXX I sent a letter with certified mail to TD Auto Finance requesting them to correct the erroneous reporting. ( See attached my letter to TD Auto Finance ) On XX/XX/XXXX TD Auto Finance sent me back a canned letter declining to make any changes. ( See attached the letter from TD Auto Finance ) On XX/XX/XXXX I disputed this late payment mark with XXXX but they seemingly only forwarded my dispute to TD Auto Finance. On XX/XX/XXXX I got a response from XXXX that TD Auto Finance once again refused to update my report. ( See attached dispute response from XXXX ) Attachment Summary : 1 ) Copy of my 3 bureaus credit reports circled the erroneous reporting 2 ) Copy of dated check sent for payment 3 ) Copy of Postal Receipt 4 ) Copy of my letter to TD Auto Finance 5 ) Copy of the response letter from TD Auto Finance 6 ) Copy of response letter from XXXX On XX/XX/XXXX I got a response from TD Auto Finance thru the CFPB- with incorrect reasoning of why they wont remove the derogatory reporting ( Completely disregarding the Date stamped Postage Etc. ) The letter was signed by " XXXX - XXXX XXXX XXXX '', with his direct cell phone number XXXX.- where I can call about this complaint, but when I called the phone number XXXX the voice mail says that affective XX/XX/XXXX he no longer works with this division at TD.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting Act XXXX  Account 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 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS) (RI)

On my ChexSystems report there is a listing for a XXXX XXXX Checking account. It shows discharged and unpaid. It was actually paid before it was discharged in full. I had XXXX from the Chairman 's office at XXXXXXXX XXXX investigate this. The account is paid in full and should be removed asap. I have put in several disputes with ChexSystems through their website and it has yet to be deleted.
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: Experian Information Solutions Inc. (NY)

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notified the agency, directly or indirectly through a reseller of such dispute, the agency shall, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information or delete the item from the file in accordance with paragraph five before the end of the 30 day. Beginning on the date on which the agency receives the notice of the dispute from the consumer or a reseller. Please see attached file. 

The close dates are different from each bureau. 
The last report date is different from each bureau. 
The payment data is different from each bureau. 

Account XXXX XXXX XXXX XXXX  Account number : XXXX
Consumer complaint received 2022-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2019-07-30
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. (TX)

XXXX and Transunion are incorrectly reporting a charged-off account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page 13 of the  attached credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX   however, XXXX and Transunion have not removed this from my report. I have contacted the ( 2 )  bureaus to fix this issue but I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-07-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (OH)

I am having extreme hardship and I have talked to Ally Financial, we made an agreement to have missed payments on the back of the loan. they reneged on that and repossessed my car. That's not what has me upset the most. I feel extremely offended by the customer service reps that I spoke to. I was called a very XXXX  women by one gentleman. I am upset at that, I have called the company, I have contacted the XXXX  and the response that everyone receives is that they will not reply due to privacy concerns. I don't understand what the privacy concerns are here??
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. (VA)

In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However I requested details of how they verified them and to whom they spoke with to verify. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my request. All the data is still the same and not even the same per bureau. My XXXX suggested I file this complaint. 

Account items in question. XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX & XXXX
Consumer complaint received 2019-07-30
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. (TX)

Equifax and XXXX are incorrectly reporting a charged-off account where I am shown as an Authorized User on XXXX XXXX  - partial account number XXXX. ( Please see page 13 of the attached credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX   however, Equifax and XXXX have not removed this from my report. I have contacted the ( 2 )  bureaus to fix this issue but I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2021-03-09
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. (LA)

I paid off a debt in person to XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX in the amount of {$180.00}. I sent the receipt to XXXX and Transunion twice, XX/XX/XXXX and XX/XX/XXXX after I was told that things would update after 45 days from the payment date. This debt is no longer valid and I would like it off my credit report.