davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-24
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

A company by the name of Portfolio Recovery Associates contacted me at work one day during the week of XX/XX/2019 and I told the young lady very clearly to not call my job or I would in fact sue them. Again today I receive a phone call from the same company Portfolio Recovery Associates # XXXX and I told him again to not ever contact me at my job again.
Consumer complaint received 2023-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX is reporting an inaccurate charge off account on my reports with multiple inaccuracies. This account was previously deleted from my reports by XXXX back in XXXX XXXX XXXX  but has been recently inserted back onto my reports. Per the consumer laws, I am supposed to receive a letter in the mail with a five day notice of any accounts that will be reinserted onto my reports and I never received anything from them, XXXX nor XXXX XXXX. 

I have contacted XXXX XXXX directly along with each bureau requesting documents and how did they verify this account and have never received any sufficient proof or documents to me as requested. Not only have I not received any documents but each credit bureau is reporting very drastically different information. 

Transunion is reporting an open date of XX/XX/XXXX, a high credit if {$500.00}, a last report date of XXXX a last active date of XX/XX/XXXX and a last payment date of XXXX 

XXXX is reporting an open date of XX/XX/XXXX, a high credit of {$0.00}, a last report date of XXXX a last active date of XXXX  and a last payment date of XXXX 

XXXX is reporting an open date o XXXX, a high credit of {$350.00}, a last report date of XXXX  a last active date of XX/XX/XXXX and a last payment date of XX/XX/XXXXXXXX 

If all of the credit bureaus are getting their information from the same place, how is it that they are all reporting very different information. Given the facts of this matter the credit bureaus as well as XXXX XXXX is clearly in violation of the consumer laws and should delete this account from my reports immediately.
Consumer complaint received 2019-04-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TN)

I was told I had terminal XXXX XX/XX/XXXX, I recently have had 2 surgeries and is currently receiving XXXX treatments. I have submitted several request for mortgage modification with Wells Fargo Home Mortgage. Wells Fargo has been very difficult to work with. Recently on XXXX I submitted request for mortgage modification with my updated financials. There is a property foreclosure sale date set for XX/XX/XXXX, I don't want to lose my home. My wife is the sole provider for our family now Please, Please Help!!!!!
Consumer complaint received 2019-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft and I have noticed that the following items are being reported and do not belong to me. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-02
Product: Credit reporting 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)

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, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, I contacted XXXX XXXX concerning a paid off account since XX/XX/XXXX. I was told that there is nothing they can do about it and they can't take it off my credit report. I can't get a mortgage loan due to this account. The company could not help me with this unfair situation. Right now the account is paid off and they can't still do nothing about it.
Consumer complaint received 2023-03-18
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)

Equifax have not provided any evidence showing that you have conducted a full independent investigation on the fraudulent charges as required by the Fairs Credit Act when official police report ( s ) by law enforcement has been provided to you. 

According to the XXXX  case of Cushman vs Transunion, the court has ruled that a full independent investigation needs to be done and provided to the consumer if the consumer disputes the accuracy of their credit report.

Equifax CAN NOT SIMPLY say " EXUIFAX VERIFIED THAT THIS ITEM BELOGS TO YOU '' without conducting their own INDEPENDENT INVESTIGATION as stated in the Fairs Credit act and proved by court in the XXXX  case of Cushman vs Transunion. EQUIFAX HAVE NOT PROVIDED ANY EVIDENCE NOR DOCUMENTS THAT SHOWS HOW THEY CLAIM TO HAVE VERIFIED THESE ACCOUNTS. 
These credit bureaus are lying and violating these rights under The Fairs Credit Act. They are NOT conducting a full INDEPENDENT INVESTIGATION and has not provided not one single evidence or proof about how they " VERIFIED '' these accounts. Without evidence or proof, these accounts are considered " UNVERIFIABLE '' and according to the Fairs Credit Act they must removed them IMMEDIETALY from my consumer credit report.
Consumer complaint received 2022-09-28
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX  more than 21 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2019-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NJ)

I received and signed up for an offer associated with my Chase Sapphire Reserve account. The terms state that upon spending {$100.00}, I would receive a cashback of {$20.00} ( screenshot of offer attached ). Due to this offer, I made a purchase of {$140.00} on XXXX. XXXX charged me in 2 separate transactions, with {$63.00} on XX/XX/XXXX, and {$79.00}  on XX/XX/XXXX ( screen shot of transactions attached ). I did not received the cashback, suspecting that Chase 's system was not able to identify this transaction over {$100.00} due to the separated transactions. So I called Chase to inform them of this situation, and was informed that their team would contact me within a week. So far, it has been about a month from that conversation, and I have not heard from Chase on a resolution on this matter.
Consumer complaint received 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

These accounts are fraudulent ( Original Creditor : XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX  XXXX XXXX  {$4000.00}
Consumer complaint received 2019-04-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (TX)

I have a negative entry on my credit report from Synchrony Bank. I have never received any letter from them saying I owed money. They provide no proof that it was my debt. The debt was sold to XXXX XXXX and that account is closed but the negative information that Synchrony Bank reported is affecting my credit and the only answer that I get from them is that they sold the account. I need them to remove the negative information from my credit report.
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (OR)

I am paying XXXX XXXX  interest on this card and they keep on raising my limit ( without my permission ) in order to cover the additional finance charges. My debt is a bit over $ XXXX and I pay over $ XXXXmonth in order to try and pay off this card. I have been a good customer for many years and so I thought that I would surely qualify for a rate reduction. I called and asked and was told that their current policy is to not grant rate reductions. I asked where I could appeal this decision and was told that their current policy is to not allow appeals. 

I dont understand how a company can not allow an appeal to a decision make by somebody who works in a call center. Further, I can not continue to pay over $ XXXXmonth for very much longer. Im on a fixed income and with prices going up and my social security actually decreasing ( because of the increase in XXXX premiums ) Im terribly afraid that this card is going to max out soon based solely on the interest and I dont want to default. 

My question is, under the current laws, do I really have no recourse to appeal this decision?
Consumer complaint received 2022-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Account number XXXX I have been trying to contact the credit agencies and furnisher of this account, as after reviewing my credit report I noticed this charged off account that showing negatively on my reports. I am demanding CFPB to enforce federal consumer financial laws and Fair Collection Practices Act. I am demanding this account be removed from all reporting agencies asap. 

remove from all reporting agencies and mail me an updated report from all reporting agencies once updated.
Consumer complaint received 2020-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (TX)

An error appeared on my credit report in XXXX. 

As a result many of my credit lines were affected. Most of them were decreased in response to the error, making my credit utilization ratio disproportionately high. It went from 8.5 % to 75 %. 

I have had the error removed from my report, however American Express refuses to acknowledge that it was an error. My account spending was limited on my charge card while the error was present but now that the error has been removed the limit is still there. 

Additionally, I am working with other banks to increase my lines to their previous limit so that my utilization ratio is again below 10 %, but in the interim my credit score is artificially low. While American Express is aware that this is happening, they are not incorporating that fact in to their credit decisions.
Consumer complaint received 2023-05-07
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: ALLY FINANCIAL INC. (TX)

Ally financials used my credit in an improper way without my written permission. Ally financials obtained a credit validation application from XXXX dealership for the purposes of financing a XXXX XXXX XXXX. However, when properly reviewing the details of the application it states the applications was specific to XXXXXXXX XXXX XXXX no other entity 's. I have notified ally financial services of there wrongful actions to access my credit report and asked them to remove and to provide proof of the application signed by me with the permission for them to access my credit report. They are willingly refusing to provide me with this documentation.
Consumer complaint received 2021-03-08
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: Experian Information Solutions Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX  XXXX ... XXXX/XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-03-12
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)

This item is identified as bankruptcy. The bankruptcy was dismissed. You need to remove this Bankruptcy from my record to make sure that I don't need to comply with my personal legal rights according to 15 USC Section 1681n or 1681o, which needs your conformity utilizing the law. US XXXX  CT CA XXXX XXXX  Reference number : XXXX
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX {$11.00} fraud charge to XXXX, credit limit $ XXXX.Had a {$0.00} balance. Only used this card couple times a year. XXXX  late fee {$11.00} + {$1.00} interest charge. Balance {$23.00}. I believe it was XX/XX/22 when I noticed the fraud. I made no purchases and unfortunately XXXX XXXX emails went to my spam. I contacted XXXX and they cleared up the fraud issue. Issued new card. Do to late fees/fraud on my account credit was dropped to {$750.00} and 30 day late was posted to my credit report. XXXX told me the Credit Bureaus would fix this and so. Been a big run around
Consumer complaint received 2023-05-07
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: TRANSWORLD SYSTEMS INC (NJ)

XXXX XXXX uses XXXX to manage student accounts. They reported me delinquent for many months in a row in error. XXXX said they cant retroactively change my report even though i provided them with a letter from the finance director at XXXX stating that the loan should have been in forbearance
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have incorrect 30 day, 90 and 120 day late payment on my XXXX accounts but have documentation showing current and correct payment amount. I have repeatedly asked XXXX to fix the incorrect information on XXXX, experian and XXXX for XX/XX/2016, XX/XX/2016, and XX/XX/2016. These late marks are hurting my credit report and preventing me from getting a mortgage.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Trans Union is reporting a closed account as open.Plus it show a Derogatory {$82.00} a month payment on a closed account? Plus the account is a fraudulent account listed in a FTC report and police report. I was a victim of Identity theft. I sent trans union the report 3 times and it does not seem to matter to them. Plus the account is duplicated XXXX  times. 
Account # XXXX, all give different amounts on owed and XXXX showing a balance of {$570.00}. 
All opened in 2021. I have sent them everything proving my case! Account Name : XXXX XXXX XXXX Acct # XXXX **** ( XXXX of these accounts all duplicated and showing different things ) I have called them several times also. I have certainly did my part under the dispute process, They have never even responded about this dispute by mail or email or anything. It has been over 120 days waiting for response with this. This is violating my rights with FCRA etc. Even with the certified mail process. Trans Union is violating all my rights.
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (FL)

I disputed a XXXX  XXXX XXXX XXXX./XXXX XXXX ( XXXX ) in regard to an unknown XXXX 'XXXX XXXX  account after pulling my credit reports which was said to been verified. XXXX   said they aquired the debt from parent company XXXX XXXX XXXX ( XXXX XXXX ) but say they sold the debt to RESURGENT CAPITAL SERV around ( XXXX ). All 3 companies are reporting inaccuracies to the credit bureaus in violation of CFPB law. XXXX charged off acct. on ( XXXX ) with a balance of {$440.00} which is still reported as XXXX with ( XXXX  ). XXXX 'S also reports acct.with XXXX as ( C/O BAD DEBT ). RES.CAPITAL SERVICES is reporting to ( XXXX  ) the same acct. open with ( BAL.DUE {$440.00} ) on behalf of XXXX from ( XXXX-current ) which I believe is double jeopardy and in violation of CFPB and FDCPA. Its negatively hurting my credit score and XXXX/XXXX  XXXX sent a letter saying they reported  everything to all 3 bureaus accurately and won't remove any negative remarks. XXXX  also shows a Charge-Off from XXXX/XXXX XXXX  on ( XX/XX/XXXX ) and PAID ON TIME status from ( XXXX XX/XX/XXXX ) with Date of Last Payment as ( XXXX ). Which one is accurate. The last reports/updates are ( XXXX XXXX, XXXX  XXXX AND XXXX  XXXX ) which makes me believe they never actually investigated the dispute.
Consumer complaint received 2022-12-29
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: EQUIFAX, INC. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-05
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. (VA)

I'VE CONTACTED THE BUREAUS MULTIPLE TIMES REGARDING THIS ACCOUNT. PROVIDING DOCUMENTATION OF WHO I AM AND WHERE I'VE LIVED INFORMING THEM THAT THIS ACCOUNT HAS NEVER BELONGED TO ME.