davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-13
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. (WA)

I have disputed the late payments report on XXXX XXXX XXXX The Credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-11-13
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)

I have advised XXXX XXXX and XXXX XXXX about my concern. This account was opened by me and I have not authorized no line of credit being opened with XXXX XXXX XXXX.
Consumer complaint received 2018-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (CT)

Representatives of XXXX XXXX, XXXX XXXX XXXX and or Card Services are intentionally delaying processing payments to the account for an XXXX XXXX XXXX XXXX XXXX credit card.
Consumer complaint received 2022-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent dispute letters two times : XX/XX/2022 and on XX/XX/2022. As of today 's date I still have not received any kind of letter stating what is the status of my dispute. I have a XXXX account reporting inconsistent lates hurting my credit and I have XXXX reporting a collection that I do not owe. My credit report also does not reflect the accounts in dispute which is a violations of the FCRA. The creditor should list the account in dispute, please see my attached dispute letters.
Consumer complaint received 2021-11-24
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX-Date of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021 XXXXDate of inquiry XX/XX/2021 XXXX of inquiry XX/XX/2021
Consumer complaint received 2018-11-13
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 have disputed the late payments report on XXXX XXXX XXXX The Credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2022-07-12
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. (VA)

Please be advised that XXXX XXXX XXXXXXXX ACCT # XXXX or Acct # XXXX is attempting to collect on an expired debt. I am invoking my right to cease them, based on factual law that this debt in question is legally expired under the Statute of Limitations and Must be Deleted from my credit report the last date of activity was XX/XX/2018 I am completely aware of how long the debt is legally collectible and how long it is legally reportable. I realize an OPEN-ENDED DEBT is allowed to be reported to my credit for 3 years in the state of Virginia according XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX My research has shown me that often a collection agency and original creditors will reset the date of the original charge off to the date they purchased or sold it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I am informing you of this knowledge so that you can make the credit bureaus do the right thing. 

Also this account is showing 2 different kinds of account number XXXX and XXXX
Consumer complaint received 2018-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (FL)

On or about XX/XX/XXXX, I applied for a Wells Fargo Secured Credit Card under my old name. When I applied, I spoke to one of the customer service reps who informed that after a year of maintaining a stable account balance on the card, Wells Fargo may return to me the security deposit in full that I paid as collateral on the card. It is now past a year and around the last week of XX/XX/XXXX requested that Wells Fargo return me the security deposit I paid to open the account. Wells Fargo denied my request based on their review that my account is not eligible to receive the security deposit refund yet. I disputed their decision based on my positive transaction history over the past 12 months including 2 PAYMENTS OF THE FULL BALANCE ( {$1000.00} ) in XX/XX/XXXX and XX/XX/XXXX. I also had made numerous full balance payments on this card within those 12 months in addition to being late ( less than 10 days past due ) ONLY 3 times. I really need my security deposit as I am struggling to find stable employment and the security deposit of {$1000.00} will help me pay off the current balance on the card.
Consumer complaint received 2022-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc. (NY)

Avant card ending XXXX - raised my XXXX rate from XXXX to 30.74 % without XXXX  days notice in advance/ my card is less than a year old - both a direct violation of the XXXX XXXX
Consumer complaint received 2022-03-31
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. (PA)

n accordance with the Fair Credit Reporting act 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 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc. (IN)

I received notice that a company by the name of SageStream LLC is providing credit reports on me. 
1. ) First I am a victim of Identity them and I will not send them my personal information to obtain a copy of whatever report they claim to have. 
2. ) They are reporting to people a score of XXXX when the XXXX  and other agencies have my score at XXXX. 
3. ) I am a victim of identity theft and all three credit agencies have placed a security freeze at my request, this is a new agency that I have no idea who it is and may be allowing people to use my name and social!!! 

I was in fact approved for my requested loan once the dealership was authorized by me to access my credit score through XXXX which was XXXX, not XXXX as reported by SageStream LLC.
Consumer complaint received 2022-07-12
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. (PA)

This is the several times I've complained about being a victim of identity theft. The Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Here is the list of erroneous items found in my credit report : XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX ; XXXX XXXX
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I paid off my XXXX loan and instead of Experian increase my score, they brought my score down 2 points. I would like them to fix it since I paid off a loan and have the right for my score to go up not down. Experian rarely give any increase on my credit score like the other credit bureaus do. Experian likes to keep my score down for no reason.
Consumer complaint received 2022-07-12
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)

Upon securing a copy of my updated Credit Report from XXXX and investigated it, I noticed that there are still Erronenous accounts being reported by the Credit Bureaus. I thought these Accounts were already been taken care of due to the multiple written letters I have been sending to the Credit Bureaus, and the last letter I sent to the Credit Bureaus was XX/XX/2022, requesting the correction of the erroneous information being reported by the Accounts. Since I believed the Credit Bureuas didnt properly investigate my dispute I contacted the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. The Credit Bureaus ' records show that it was incorrect. The Credit Bureaus should have never failed to verify these accounts in accordance to the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. Once again, I am urging the Credit Bureuas to correct the following accounts : XXXX XXXX Balance Owed : {$58.00} XXXX XXXX XXXX  XXXX Balance Owed : {$9600.00}
Consumer complaint received 2022-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Unauthorized transaction of XXXX $ USD tried to get it canceled they told me to wait until its posted. It posted on my account and i filed a claim and it was denied tried multiple times to have this appealed nothing but a run around regarding my money
Consumer complaint received 2022-06-18
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)

In accordance with the Fair Credit Reporting act XXXX, Account # 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 2022-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (AL)

For some time I have wanted to pay the XXXX XXXX XXXX XXXX ( Comenity Bank XXXX for several reasons : XXXX ) Difficulty paying online from my bank XXXX ) Harassment by constant calls XXXX ) Very high interest rates and charges. 
On XX/XX/XXXX, I called the telephone system and was informed that my total debt was {$120.00} and I decided to pay it all to get out of this XXXX Last week I received an account statement with a debt of {$44.00} and when I call on Sunday, XX/XX/XXXX, the system informs me that it was {$85.00} ( XXXX and XXXX ). 
The court date told me that it was XX/XX/XXXX, so I don't understand why they don't check the debt data until that day, nor considering that I haven't used the XXXX in a long time. The payment date was the XXXX, because it was difficult to achieve, since you have to have about 30 minutes to pay, it was not the only date that I had to pay late. 
The amount of the charges that they included is greater than the minimum payment of the XXXX, so that way they have been charging money to my Card without my knowledge or authorization. 
For my purposes, pay the entire debt on XX/XX/XXXX. 
I received constant calls from Comenity Bank, at different times and several times a day, which I assumed was to offer me another XXXX. Normally, I don't receive calls that they don't have on record, so I don't receive them. The only way I could find out about the unauthorized charges to my XXXX was a delayed account statement until last week, otherwise they would continue charging their services, that is why I am making this complaint, because I want my balance to be cleared like I left on XX/XX/XXXX and not knowing more about Comenity Bank. In the same way, I hope that this does not affect my credit history, since I am a very responsible person since I have 3 additional XXXX that I use responsibly.
Consumer complaint received 2022-07-12
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 Reporting act 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 2022-07-12
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. (CA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove the inquiry from my credit file. XXXX XX/XX/2020
Consumer complaint received 2019-03-31
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. (CO)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX {$240.00} XX/XX/XXXX {$57000.00} XXXX {$140.00} XX/XX/XXXX {$12000.00} XXXX {$99.00} XX/XX/XXXX {$7700.00} XXXX {$75.00} XX/XX/XXXX {$6100.00} XXXX {$140.00} XX/XX/XXXX {$12000.00} XXXX {$140.00} XX/XX/XXXX {$11000.00}
Consumer complaint received 2018-11-13
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. (TN)

I have disputed the late payments report on XXXX  XXXX. The Credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-11-13
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. (TN)

I have disputed the late payments report on XXXX  XXXX. The Credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-11-13
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: Experian Information Solutions Inc. (TN)

The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Experian failed to demonstatrate proper procedures to remove the accounts, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( duplicate reporting ) and Chapter XXXX Bankruptcy Discharged XXXX-XX/XX/XXXX
Consumer complaint received 2018-11-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: First Associates Loan Servicing LLC (OR)

For the past 7 months First Associates Loan Servicing, LLC for XXXX XXXX Loans has been not fully applying the full payment made each months, every agent I have talked to in my previous communications is that I am being told that the issue is being fixed, it happened again this month and I am starting to wonder if anyone is truly looking into fixing it. I keep getting texts and emails about being past due when full payments are clearly being made and yet it shows that I am overdue by {$3.00} each time, also every time I call all I get is an apology and that someone will be fixing the issue. It has now been going on for months now. See attached documents showing bank payment for full payment and First Associates Loan servicing account information not apllying the full amount paid.
Consumer complaint received 2018-11-13
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. (TN)

I have disputed the late payments report on XXXX  XXXX. The Credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-11-13
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. (CA)

Equifax has been non-compliant with removing the unverified account XXXX/XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that XXXX/XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-13
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 (CA)

XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX   XXXX  and XXXX  have both completed their research and determined that XXXX XXXX XXXXXXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2023-03-23
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. (NJ)

Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Neon Newco Corporation (IL)

Email XXXX XXXX Cardholder. 
Claim # XXXX Reference # XXXX Transactions disputing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX normal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATM XXXX XXXX ATM XXXX XXXX XXXX ATM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the transactions I am disputing Sent from my XXXX
Consumer complaint received 2022-07-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and Transunion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file listed on my credit report : XXXX XXXX XXXX XXXX Late Dates XXXX