davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with 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. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$12000.00}
Consumer complaint received 2019-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

fair collections and outsourcing reported a fraudulent account on my credit reports with all 3 credit bureaus. they have continuosly harrased me for about 6 weeks calling leavinf  voicemails and numerous calls throughout the day about this debt supposedly owed to apartment complex XXXX XXXX XXXX. I was in no lease the lease was up and I decided to move because the new rent charges were aittle too t expensive and I couId n't afford to pay XXXX for a new lease. I have provided them with accurate and supporting documentation to support this debt that is not owed. I have provided them with the notice to vacate the premisis and they failed to provide this documentation to the apartment complex and said it was my debt and I need to pay it. Mr. XXXX XXXX was handling this case and have and still harrases me on a daily basis.
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 — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I have inaccurate reporting of late payment on the three CRA. The FCRA states that erroneous information should be deleted if source can not be validated by the CRA. 
The late payment reported on my mortgage with XXXX is inaccurate because it is different for the month of XXXX, XXXX and XX/XX/2018. I was reported as 30 days  late on XXXX and 60 days late for the same month on other CRA. I want these late payments deleted due to inaccuracies.
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (LA)

There's a late payment that has been reported by American Credit Acceptance in XX/XX/2018 I haven't been 30 days late in over 2 years they said they were going to take care of it they have not. I have submitted several disputes to have it removed the credit bureaus denied it I have submitted my payment history to the credit bureaus and they still denied my claim. I don ; t think American Credit Acceptance tried to take care of this. They ruin people 's credit and think it's ok.
Consumer complaint received 2019-09-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jim Bottin Enterprises, Inc (NJ)

OnXX/XX/19, I made a request by telephone and email to have the account closed with a XXXX balance. Since ABC Financial refuse to closed the account and trying to aces my personal account without my authorization. The account was submitted to XXXX XXXX is not the current account the company has on file. The contract that was submitted via XXXX XXXX should be a month to month registration and should be able to cancel at any time. ABC Financial has committed fraudulent on my account. 


On XX/XX/19, I made a request by telephone and email to have the account closed with a XXXX balance. Since ABC Financial refuse to closed the account and trying to aces my personal account without my authorization. The account was submitted to XXXX XXXX is not the current account the company has on file. The contract that was submitted via XXXX XXXX should be a month to month registration and should be able to cancel at any time. ABC Financial has committed fraudulent on my account and a violations of the Health Club Services Act, the Consumer Fraud Act, the Retail Installment Sales Act, and the Truth-in-Consumer Contract, Warranty and Notice Act Customer Information : Agreement # : XXXX Account Pay Mode : XXXX Amount Due : Total : {$110.00}
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

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, XXXX, and Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 ( 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 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. (CA)

in accordance with the fair credit reporting act i believeXX/XX/XXXX XX/XX/XXXXaccount XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-09-04
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (WA)

I received a check in the mail from Department Stores National Bank ( DSNB ) issued by Citibank for {$130.00} dated XX/XX/19. It has Macy 's logo and address of XXXX XXXX   XXXX, XXXX XXXX, SD XXXX in the upper left hand corner and refers to a 4-digit " Account ending in '' Macy 's account number that I had to close years ago ( stolen wallet ). The letter states " Action Required! '' and " Discovered that a credit is due on your account. Attached is the check for the amount of that credit ''. The check is not watermarked. 

I see that there was a settlement between DSNB, Citibank and Macy 's but I don't know how to tell if this check is a legitimate payout from the settlement or a scam. There's a reference number ( # XXXX ) on it but not sure what it means. There's a phone number on the check XXXX but I thought I should call Macy 's. Macy 's   said they knew nothing about it. I looked up the number on XXXX and it appears to be Citibank 's but I just don't trust anything on the Internet in regards to these things because I have seen quite elaborate schemes. 

Anyway, I hope you can help me in determining if this check is legitimate. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

XX/XX/2019 Equifax, XXXX, XXXX all refuse to give online annual free credit report as mandated by law, through the website XXXX XXXX XXXX.action with no options or helpful information to make the online option work. 
Instead they ask for sensitive information to be sent through postal mail.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (GA)

i have a furniture lease with acima XXXX. this is not a credit account and i did not use my credit to obtain this lease. this is a no credit lease. i want this removed off my credit report. i sign a no credit lease not a reporting lease.
Consumer complaint received 2018-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

Bankruptcy : Dismissed CH-XXXX XXXX  : XXXX-XX/XX/XXXX XXXX  : XXXX Chapter XXXX Bankruptcy Dismissed Transunion : XXXX, XXXX HOSPITAL XXXX : XXXX XXXX  : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX  : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX  : XXXX, XXXX XXXX  : XXXX, XXXX XXXX. Transunion : XXXX, XXXX XXXX  : XXXX Transunion : XXXX, XXXX HOSPITAL Transunion : XXXX, XXXX HOSPITAL Transunion : XXXX, XXXX  XXXX  : XXXX XXXX  : XXXX Transunion : XXXX, XXXX  : XXXX XXXX  : XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX  : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2018-11-12
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

Bankruptcy : Dismissed CH-XXXX  Equifax : XXXX-XX/XX/XXXX XXXX  : XXXX Chapter XXXX Bankruptcy Dismissed XXXX  : XXXX, XXXX HOSPITAL Equifax : XXXX XXXX  : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXX Equifax : XXXX, XXXX Equifax : XXXX, XXXX XXXX. XXXX  : XXXX, XXXX XXXX  : XXXX XXXX : XXXX, XXXX HOSPITAL XXXX  : XXXX, XXXX HOSPITAL XXXX  : XXXX, XXXX  Equifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXXEquifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXX XXXX Equifax : XXXX XXXX  : XXXX, XXXX XXXX XXXX  : XXXX XXXX  : XXXX, XXXX XXXX Equifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2017-11-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

This is the third time i am trying to get a response as to who called me ... they represented themselves as XXXX, mediatator for them. XXXX said they sold this debt to XXXX XXXX. Then under XXXX request I ask for this to be investigated. They said you did not provide a phone number. so this case was closed. So here is entire first complaint with phone number so this can be investigated. : : : : : :received a call from a friend today stating that XXXX XXXX her to tell me i would be receiving a lawsuit paperwork and they needed to contact me to deliver. They also called both my sons from a blocked number with same information. then a lady called me and said I was being sued and they needed to tell me to be home monday ( they had my address XXXX to receive the papers. She gave me a number to call. No company name. I called XXXX and was told to give them a number -- XXXX which i did, they had my full name and social and said they were a mediatation company and that XXXX were sueing me over a debt I owed. They said they sent a letter in XXXX last year. I said I never got a letter.. I said I had a credit card in XXXX, but it was a time barred debt. They said I had made a payment in XXXX and they had 10 years to sue me for the debt and I said they did not and they hung up on me and that they were a mediatation firm. It is my understanding that I was living in california at the time and it was a 3 year time limit on consumer debt. I live in alabama now and it is 4 years. From what I see it is time barred. I also went back in some old files and found that I had responded to Portfolio rec assoc about a XXXX # XXXX acct they were trying to collect from a letter XXXX XXXX and sent them a certified letter which they did not respond to.sent XXXX of XXXX in which they alleged that I made a payment in XXXX, which I did not and looked at my old bank records going back to XXXX XXXX. Please help. I feel that they are scamming me on a time barred debt that was sold and was a zombie debt. thanks. 

please call the phone number and find out who called me. as also per first complaint I attached a copy of correspondence sent to XXXX years ago asking for verification of debt which protfolio never responded to this. 
I understand that the debt goes on forever, but they misrepresented themselves as not portfolio assoc / but as a company that represented XXXX as a mitigation firm and would be sending lawsuit papers on monday. They called relatives and a friend.this is illegal as they can not reage a debt and try and collect in this manner. They never sent any papers. I want XXXX dollars because this is illegal. I want you to find out whose number that I called which stated all those things to me. They refused to give me any information just to expect papers that monday. the XXXX is again XXXX and was told to give them a number -- XXXX .... Please handle this appropriately as this is third time for same complaint ... 

XXXX XXXX
Consumer complaint received 2018-11-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MB FINANCIAL, INC. (IL)

In XX/XX/2018, I opened an account with MB Financial. At the time, MB was offering a {$250.00} bonus that would be available after 90 days. At this point, the 90 days has surpassed and the funds have not been dispersed. When speaking with one of the relationship bankers, I was informed last month that I was on an approved list. However, the approval amount was only for {$150.00} which is not what I was originally told. After several visits to the bank branch it was explained to me that someone would look into this and then follow up with a phone call. I have yet to receive a call from the bank branch regarding this situation.
Consumer complaint received 2018-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I have a supposed cashed check with Capital One for XXXX I did not write this check. They have not been able to provide me with a copy of this check. They have also charged me multiple times over and over for XXXX charges that were not mine. I disputed charges against XXXX XXXX XXXX XXXX XXXX in XXXX, CT  since they misdiagnosed my puppy and she died. I have submitted a letter from my current vet showing that she was misdiagnosed. it cost me an additional XXXX to try to save my puppy who died after emergency XXXX. STAY AWAY FROM CAPITAL ONE!
Consumer complaint received 2017-11-09
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. (NY)

I closed an account with Bank XXXX XXXX and it 's been inaccurately reporting as closed by credit XXXX when I disputed it with credit bureau they did n't correct it even when I sent them proof as Bank XXXX XXXX sent me a letter clearly stating that I requested to close it
Consumer complaint received 2018-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BARCLAYS BANK DELAWARE (CA)

I went to XXXX XXXX and was invited to a timeshare venue. I was enticed to buy in on a timeshare but was told my credit had to be ran first since I didn't want to put any money down. I asked how long would this be on my credit report and was told if I didn't qualify they'd remove it instantly or it would fall off in a few months and to give them a call if it was not removed. I didn't qualify to buy in with no money down so I left with no timeshare and again was told that the inquiry should fall off in a few days if not a few months. To date it's been over a year ( 15 months ) and the inquiry still shows on all three credit reports.
Consumer complaint received 2022-03-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I ( last XXXX ssn XXXX ), opened a checking account ( XXXX ) at a Huntington bank branch on XX/XX/2021 based on {$150.00} bonus offer " Deposit at least {$1000.00} in cumulative new money within 60 days of account opening and keep your account open for a minimum of 90 days. '' All requirement was met but the bonus did not arrive. The bank said that my {$1000.00} electronic deposit from another bank did not count. That's not fair. Huntington bank should keep its promise to give me the {$150.00}.
Consumer complaint received 2018-11-12
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

Bankruptcy : Dismissed CH-XXXX XXXX : XXXX Experian : XXXX   Chapter XXXX Bankruptcy Dismissed XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX : XXXX, N/A XXXX : XXXX, N/A XXXX : XXXX, XXXX XXXX. XXXX : XXXX, XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX   XXXX : XXXX Experian : XXXX XXXX  : XXXX, XXXXXXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX  XXXX XXXX : XXXX Experian : XXXX, XXXX XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2018-11-12
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. (NC)

I check my credit report and it shows that I have a car loan, and that I have also a home, I am just XXXX years old. I need to report this issue in addition i want to buy a home and I will not be able to buy a car. 
In addition, I am unable to get my credit report
Consumer complaint received 2022-06-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

This complaint is regarding Countrywide Mortgage, as late as XX/XX/2022 the DOJ re-published the Countrywide Mortgage settlement information, I responded to no avail they referred me to CFPB. I am a victim of Countrywide 's unfair subprime lending practices. 
My address XXXX XXXX XXXX, XXXX, Arizona, XXXX, Acct # XXXX. I was in the process of refinancing my home with XXXX XXXX XXXX XXXXXXXX, because of the explosive adjustable interest rates. But Before my refinancing process completed, Countrywide auctioned my home off. Even though i was in the refinancing process, I didn't miss any of my Mortgage payments. 
XXXX XXXX XXXX XXXX, and I couldn't reach Countrywide Mortgage via phone. The next thing I knew, someone knocked on my door and said they owned my home. I was devastated having lost my husband to a fatal accident only months prior. About 2 months later, I received XXXX checks in the mail, they were dirty with tire prints on them. They were stamped cashed by countrywide. When i inquired about the lawsuit I was told I would hear from the attorneys/admin later, but no one ever followed up with me. I'm hoping for some type of closure. I can send supporting documents upon request. 
Thanks for your support, XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2018-11-12
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. (AL)

On date XX/XX/XXXX, XXXX XXXX XXXX XXXX ( Account ending ... ... .. XXXX ) had issued a credit card under my name and social security to someone I don't know ( possibly someone who stays in XXXX , MN where I used to live before ). I have been in state of Alabama since XXXX. One day a collection company called me and informed me of this and I had responded to them as they requested me to submit documents, I also submit an identity theft resolution on this website https : //www.ftc.gov/faq/consumer-protection/report-identity-theft, and also submitted written documents and they told me that this issue had been resolved and my credit scores will improve ; however, right now I am trying to obtain a mortgage and the primary reason not improving my credit scores is that XXXX XXXX XXXX 's negligence and inaccurate reportings. I would like to request that they need to take me out of their system and they should me compliance with credit bureau and federal regulations. How a bank can issues credit cards fraudulently to someone without proper verification of that person? Honestly I don't even know XXXX XXXX XXXX exist until the collection company called me. Please help me. XXXX XXXX XXXX NUMBER : XXXX XXXX XXXX : XXXX
Consumer complaint received 2018-11-12
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. (TX)

There is an account I have personally tried to validate and nothing was ever received. How are XXXX and TransUnion able to verify this when I can not and it is on my credit file and it is inaccurate. The social doesn't even match mine Account is listed XXXX XXXX XXXX XXXX