davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (CO)

Recently I switched banks and notified the creditor of the new bank account, and requested that my autopay be updated to withdraw from the new account. Instead of updating autopay, they cancelled it altogether. After this, they also made it extremely difficult to log back into the payment portal ; even using my valid username and password, they required me to input a one-time passcode, but never sent the passcode despite several attempts from me to retrieve it.
Consumer complaint received 2021-12-15
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: Experian Information Solutions Inc. (FL)

I CHECKED MY CREDIT AND NOTICED THAT XXXX XXXX XXXXLACED A FRAUDULENT ACCOUNT ON MY PROFILE WITH EXPERIAN AND XXXX FOR THE AMOUNT OF {$60.00} PLACED LATE PAYMENTS ON THIS ACCOUNT AS WELL. THIS ACCOUNT SAYS PAID BUT THIS IS NOT MY ACCOUNT AND NEEDS TO BE REMOVED! AMERICAN CREDIT ACCEPTANCE IS STATING THAT MY ACCOUNT WAS LATE FOR XXXX PAYMENTS OF XXXX AND XXXX BUT I WAS NEVER LATE ON THAT ACCOUNT. UPDATE MY ACCOUNT PAYMENT HISTORY TO CURRENT!
Consumer complaint received 2023-06-13
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-15
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 sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They removed some reports from XXXX but they were not able to remove it from XXXX and TransUnion. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the XXXX XXXX XXXX and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX XXXX XXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MI)

Citibank has restricted my account since XXXX of this year. They told that the account will be closed in 60 business days and a check will be sent to me. 
Since then, I've been calling them but I'm not getting access to my account and I didn't receive the check from the account that is scheduled to be closed. XXXX XXXX XXXX
Consumer complaint received 2021-12-15
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. (MD)

I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2024-03-30
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Portfolio put a collection for the sum of {$8400.00} in XXXX. I asked for information and they sent me receipts from XXXX XXXX. Which is what Portfolio bought that debt from XXXX. Portfolio ruined my credit report for 7 years. I worked very hard to order my report. In XX/XX/XXXX, the credit bureau removed that collection. 
Now Portfolio sent an intimidating letter on XX/XX/XXXX threatening that they will give me another collection again for the same amount of money. For the same original creditor. Which I know perfectly well that that is illegal since my collection was duly removed from the credit bureau.
Consumer complaint received 2021-12-15
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: EQUIFAX, INC. (NY)

It has come to my attention that continued requests for removal of items that do not belong to me are still entered as accounts on my credit report. Negatively affecting my credit/life. You also have incorrect names and variations listed, which is not normal. This is an immediate request for removal and blockage of incorrect and mis-represented information. 
It seems that a new account not belonging to me is appearing every few days. 
There seems to be a high-level of incompetence at this company, as I have continued to submit a dispute every 30 days with part of the disputes being removed and the other half remaining. This is unacceptable! Please remove the incorrect information immediately from my file. 

I have not placed requested for credit and my account has zero inquiries. Id like to know how your company has added credit accounts to my report that do not belong to me.
Consumer complaint received 2021-08-27
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TrueAccord Corp. (FL)

I received a text message today ( XX/XX/21 ) indicating I owe money to someone or a company. The text is from TrueAccord, a debt collector. They did not include an amount or a way to opt out of the text messages. They did include a link in the text that I have not clicked on.
Consumer complaint received 2021-12-15
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. (WA)

I give authorization for XXXX XXXX to move forward with this complaint. This account is currently in litigation in a Federal Court suit against XXXX XXXX XXXX. The account went to litigation due to a billing error that was ignored by XXXX XXXX. The account is being reported as late to the credit reporting agencies despite the fact that the entire balance of the loan is in Billing Error status. This is an adverse action and defamation and an extortionate act against the Federally Protected CONSUMER. The consumer is awaiting the courts signed summons to issue to XXXX XXXX.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX TransUnion continues to furnish Incorrect & inaccurate information about me even after providing them with FTC Report Number : XXXX. I mailed them this on XX/XX/XXXX and and in response they sent me back two letters. 

Exhibit A The response to my previous CFPB ID # XXXX Stating they would not block the unauthorized transactions even though I attached my FTC REPORT XXXX Identification, Proof of Residence, and a utility bill from the last 30 days. Dated XX/XX/XXXX Exhibit B stating that they are unable to Locate Credit Report. Dated XX/XX/XXXX The accounts listed in the FTC Report do not relate to any transactions that I made or authorized. Please remove these accounts because they are inaccurate and unknown to me. 

As required by section 611 of the Fair Credit Reporting Act, 15 U.S. Code 1681i, I am requesting that the adverse information the accounts be removed to correct and update the information. Please REINVESTIGATE these matters and delete the disputed accounts as soon as possible : XXXX  XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These were not authorized please remove them from my credit report! 
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) Which state that these accounts must be removed within 4 Business Days of receipt. Also, please send a copy of my updated credit report to the address above. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-08-06
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. (TX)

I believe the reporting bureaus are in collusion and are treating people very unfairly that is damaging their credit. I have a lot on my credit and it is very old over 10 years I took out this loan over 5 years ago and made every single payment. I just paid the last payment of this car loan and the bank closed the account. These bureaus drop my credit -27 points for that even tho I have plenty of other accounts all in good standings. It is criminal what these bureaus are doing to people and it needs to be regulated and stopped. I cant even go get a new car now because the interest will be extremely high.
Consumer complaint received 2021-12-15
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. (MD)

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over XXXX so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2021-12-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (CO)

On Monday, XX/XX/XXXX my account with XXXX ( Chime ) was unexpectedly closed. I received no notification, was not overdrawn or have had any issues with the bank prior. I had just over {$2100.00} in my savings account and {$600.00} in my checking account. I can not get anyone on the phone to find out what happend to my funds or why my account was suddenly closed. When I call, I just get an automated message that my account has been closed and that I can email XXXX for help. When I login to the app, I get a " Yikes, your account has been closed. '' I have emailed XXXX XXXX times. I did receive XXXX response midday on XX/XX/XXXX that someone would be in touch with me in XXXX hours. I still have not received a response. This has left me completely at their mercy with no funds to take care of my children. I do not get paid again until XX/XX/XXXX so I am hoping that someone can look into this for me.
Consumer complaint received 2021-12-15
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Summit Horizon Financial Services (CA)

A third party vendor loan forgiveness called Summit Horizon Financial Services had taken {$750.00} from my account and refused to return my money. They have managed to get pertinent information about my student loans and SSN via XXXX login not authorized by me. They promised to help with loan forgiveness process XX/XX/2021 but I declined the offer the very next day, but they have already gotten the money. After contacting them several times, the representative gave me a cancellation letter, but no refund was made. There are no cancellation confirmation in the letter and the representative can not give me one as well. After researching in the web I found this linked In person By the name XXXX XXXX. Please investigate this person. The emails that is used for the e-signature fee doc also gives back mailer-XXXX. Please help!
Consumer complaint received 2021-12-15
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICA FIRST FEDERAL CREDIT UNION (AZ)

America First Credit Union has been reporting inaccurate financial information to all three of the major credit bureaus XXXX, XXXX, XXXX. A creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. Creditors or collectors are not allowed to report inaccurate information to your credit reports, and under the Fair Credit Reporting Act, I have a right to have it removed. I originally submitted a dispute with American First Credit in XX/XX/XXXX and all 3 credit bureaus as well. Once I submitted that initial dispute in XXXX the balance began fluctuating on the account. The original balance being reported to the credit bureaus at the time was {$15000.00} and since the account was charged off/written off. I also requested all the financial documents from America First Credit Union to be sent to me as well. In those documents there was a balance of deficiency letter dated XX/XX/XXXX which also stated the balance was {$15000.00}. In XX/XX/XXXX the balance increased by {$7000.00} after the dispute on the closed/written off account. The balance was now reporting as {$22000.00} because interest was all of a sudden added. Upon this drastic and sudden change I contacted the company and spoke with XXXX XXXX. I advised her that in the state of Arizona it was illegal to add a sudden increase of interest to a closed/written off account. In XX/XX/XXXX XXXX XXXX sent me a email advising me the company now has a policy that interest will not be charged on closed/charged off accounts and that all the interest would be removed, which ultimately should have placed the account back to the balance which was originally being reported as XXXX. This is also the same balance that was on the balance deficiency letter from America First Credit. I submitted another dispute in XX/XX/XXXX for inaccurate information reporting to all 3 credit bureaus and the balance decreased from {$18000.00} to {$17000.00} and showed on my credit report that a payment was made XX/XX/XXXX. This is again inaccurate information and no payment has been made on this account. I am requesting per my rights that this account be removed from my credit for multiple inaccuracies. Per my FCRA rights and the rules and regulations America First Credit Union is in violation of reporting inaccurate financial information. I would like this account removed immediately from my credit report.
Consumer complaint received 2022-09-28
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. (GA)

I previously had an unsecured credit card with The XXXX XXXX XXXX XXXX XXXX and it was charged on or about XX/XX/XXXX. The account was sold to XXXX XXXX XXXX. I paid the debt and collection on XX/XX/XXXX and the debt was removed from my credit reports. I disputed the original creditor on XX/XX/XXXX and received a nasty letter that they had spoken with me and I had made a payment on the account. All of this is true ; however it was before the account became negative. I went through a lay off and could not afford to keep up with the card payments and they were not willing to work with me at the time. When account was sold/purchased by XXXX XXXX XXXX XXXX XXXX able to pay off. 

On XX/XX/XXXX I tried disputing the charge off with the credit bureaus and I received an email from Experian saying that the account had been verified. I sent yet a second letter on XX/XX/XXXX in regards to inaccurate reporting and it came back verified as well. On XX/XX/XXXX. I sent my third letter asking Who? When? How?, the debt was verified. 

The XXXX XXXX XXXX XXXX has been updating my report as OK since the initial charge off and has since added two additional charge offs. XX/XX/XXXX charge off XXXX XXXX OK and an additional charge off XX/XX/XXXX after my MOV letter was sent. 

I have attached a copy of the reporting from XX/XX/XXXX and XX/XX/XXXX, so that you may see how the report has been updated continuously since the charge off.
Consumer complaint received 2023-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

My prior case I filed case # XXXX LVNV/Resurgent responded that if I send them a copy of the Identity Theft Report filed through www.identitytheft.gov they would resolve this matter. On XX/XX/XXXX  I fax a copy to them at XXXX the 3 pages that were from the FTC. The FTC identity theft report # is XXXX. They know there are UNAUTHORIZED CHARGES on this account. and still refuse to remove this negative misleading information from my credit reports. They ask for proof I send it to them and still refuse to remove this information.
Consumer complaint received 2021-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NC)

XXXX XXXX continues every couple of months to put this collection on my account after I tell them its not mine never lived at the address or was ever contacted this is identity theft and they keep removing it and then put it back every so often this is negatively affecting my credit it has to stop immediately