davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-15
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. (TX)

I previously filed a complaint regarding important credit history missing from the 3 credit reporting agencies, XXXX, XXXX and Experian. Out of the three agencies I have acquired one accurate credit report summary from XXXX that reflects my correct 30+ year credit history summary. When I checked my credit reports around 4 months ago, all 3 agencies were the same as this attached copy from XXXX. 

Once more I would greatly appreciate your assistance in getting my credit history summary corrected with XXXX and Experian.
Consumer complaint received 2021-06-25
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. (CT)

For the past several months I have been trying to have an inaccurate collection from my credit report- it is regarding a XXXX Account from over 9 years ago that went delinquent in 2013. This item should have been removed from my credit report last year- but has yet to be removed. 

It is severely impacting my credit score and I would like it to be removed. Experian and XXXX  both refuse to correct the information, despite my having disputed the account several times with them. I have no idea how they are verifying that this account is accurate and now, because I have disputed this account so many times, Experian refuses to allow me to dispute it online again.
Consumer complaint received 2022-10-15
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. (GA)

Company- EXPERIAN ; Called and was stated to file complaint with FTC .

Fraudulent Inquiries : -XXXX XXXX  XX/XX/2022 -XXXX XXXXXX/XX/2022 -XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2021-06-25
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. (NC)

Disputed unauthorized and fraudulent inquiries on XX/XX/2021 was not notified of dispute results, and investigation did not fix errors on my personal credit report. Below is attached a FTC Fraud Affidavit statement that highlights all fraudulent items and inquiries. Dispute confirmation number XXXX and dispute confirmation number XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-03-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (WA)

XXXX offered a trade-in promotion that would reduce the purchase price of a XXXX XXXX by {$400.00} if I sent in my XXXX XXXX phone in good working condition, free of damages outside of normal wear and tear. In 19 years I have never broken a cell phone, for as long as I've owned a smartphone it's been in a case. I took photographs of my XXXX XXXX phone before I sent it in, but I received notification from XXXX in XXXX that my phone had not met the conditions for " normal wear and tear ''. I reached out to XXXX for clarification, when they were unable to provide it and did not meet their promise to contact me with further details I disputed the fraudulent charge with TD Bank on XX/XX/XXXX. To my surprise, TD Bank did not temporarily credit my account while we worked through the dispute process, nor did I hear from them with questions about the dispute. I contacted them again via their secure messaging service to ensure I'd have a written record on XX/XX/XXXX, asking when I would see a credit on my account for the disputed amount. As with my first contact, they marked it as received and closed the contact. When I did not pay the minimum due ( including the disputed amount ) on XX/XX/XXXX, I was charged a late fee. On XX/XX/XXXX I called TD Bank to attempt to resolve the situation, they offered a one-time concession of reversing the late fee if I paid the past due amount in full, effectively eliminating my ability to dispute the amount. 

Around this time I received notification in the mail that XXXX had informed TD Bank that my phone did not meet the trade-in requirements due to housing damage ( please review the attached photographs which clearly show there is no damage ) and that if I had further concerns I would need to work with XXXX directly. TD Bank did NOT provide proof that the charge was valid.
Consumer complaint received 2019-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (OH)

I was notified by phone on XX/XX/XXXX that loan was in default and told that I had until XX/XX/XXXX to set up payments on the rehab program or I would incur a 19 % fee which would be XXXX. He wanted info about my AGI from tax return so I did some research to make sure that it was legitimate then attempted to call back with that info from my tax return. The wait on hold to talk to someone at PHEAA was always a long time and they are unavailable on the weekends but I finally reached someone, XXXX, on XX/XX/XXXX. The payment using my AGI was too high so we began the process of going over my income and my husband 's along with expenses then the call was dropped. I had to call back when he didn't and wait on hold again. I asked that he call back since he had my info. He did so on XX/XX/XXXX and I signed the form electronically to allow biweekly payments to begin XX/XX/XXXX while he was on the phone. He then said that he will email the agreement to me and my husband to sign and return. I had an email from them on XX/XX/XXXX but couldn't retrieve it. On XX/XX/XXXX a paper copy was received but didn't appear accurate so I tried to get ahold of them again to discuss it and did talk to someone else on XX/XX/XXXX only to be told that I now owe XX/XX/XXXX in fees in spite of the fact that I was trying to work with them.
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX  XXXX XXXX XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-07-24
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: EQUIFAX, INC. (MD)

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX appears on my report and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX XXXX - there is no balance information on this account or any dates.
Consumer complaint received 2018-03-13
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. (LA)

I have a XXXX card that was serviced by synchrony bank it was charged off XX/XX/XXXX. I have disputed this numerous times with all three credit bureaus and XXXX XXXX. The payment history is not accuracy. It shows no data until the charge off on XX/XX/XXXX then shows current on XX/XX/XXXX and XX/XX/XXXX. Then no data after that. This whole account needs to be deleted from credit reports due to none of my on time payments being posted. Also does not have exact charge off date.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

In XX/XX/XXXX, Equifax announced a data breach that exposed the personal data of hundreds of millions of people. The company agreed to a settlement to help those affected by the data breach. I filed a claim with Equifax on XX/XX/XXXX. I have proven I am a victim yet it has been 6 months and they still have no t compensated me. I have sent them multiple communications asking them what I can do to expedite the process and they provided no legitimate answer. I asked them why it has been taking so long, and they have provided no legitimate answer.
Consumer complaint received 2022-10-15
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: CCS Financial Services, Inc. (GA)

CCS collection XXXX Highest Balance {$93.00} Opened XXXX. XXXXXXXX XXXX ( 4 mos ) Account status Closed Type Paid Responsibility Individual Account. 
Remarks No Info Original Creditor Name XXXX XXXXXXXX XXXX XXXX Closed : XXXX XXXX, XXXX After telling this collection agency several times that I did not owe a bill they still proceeded to put this on my credit report from XXXX XXXX, I contacted XXXX they informed me that they gave the CCS credit company updated information for them not to report this information. I also received a refund from XXXX for the mixup. I explain this to the Ccs credit company but instead of them removing it off of my credit report they updated it instead of deleting it. I have went on all reports and asked for a deletion still remains updated. I have voice to CCS that I am in the process of trying to get a loan for a home and they refused to delete wrong information.. it is marked as paid I never paid anything that I did not owe!!! It needs to be deleted.
Consumer complaint received 2022-01-20
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: Atlanticus Services Corporation (IL)

I have sent 6 certified letters to the company and the credit bureaus stating that this card had fraudulent purchases. I submitted a police report, affidavit of identity theft, and identification. They have verified the information as accurate each time which is in violation of FCRA.
Consumer complaint received 2019-09-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (MO)

XXXX XXXX XXXX has called me telling me i owe XXXX $ for 3 months of rent but me and my wife were on three month leases and were there for 6 months and on top they cant give me any proof of the lease or anything
Consumer complaint received 2021-06-25
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. (CT)

For the past several months I have been trying to have an inaccurate collection from my credit report- it is regarding a XXXX Account from over 9 years ago that went delinquent in 2013. This item should have been removed from my credit report last year- but has yet to be removed. 

It is severely impacting my credit score and I would like it to be removed. XXXX and Equifax both refuse to correct the information, despite my having disputed the account several times with them. I have no idea how they are verifying that this account is accurate and now, because I have disputed this account so many times, XXXX refuses to allow me to dispute it online again.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2020-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX appears on my report and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX XXXX - there is no balance information on this account or any dates.
Consumer complaint received 2018-03-09
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. (TX)

XX/XX/17 a dispute was filed to Trans Union and XXXX  for a federal tax lien in the amount of {$11000.00}
Consumer complaint received 2018-03-09
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: Exeter Finance, LLC. (CA)

XX/XX/2017, I took my niece to the car dealership to look at some cars. They ran her credit and said she needed a co-signer. I was told by the salesperson that I would be able to co-sign for her vehicle after he ran my credit with the bank. I discovered later that he ran my credit 4 times with 4 different banks without my consent.
Consumer complaint received 2020-01-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Bread Financial Holdings, Inc. (FL)

I applied for an installment loan / line of credit for {$5000.00} from XXXX / Comenity Bank but was denied citing " Limited credit experience ''. However, I feel I have been discriminated against due to my age. I believe the baby boomers who are processing these applications are jealous and will not believe that a Generation X young woman is making more than any of them in their entire career. My credit score with XXXX  is XXXX ; XXXX is XXXX ; and XXXX  is XXXX. I have a 100 % payment history with all of my accounts. My car loan was just refinanced by XXXX XXXX  and went from 11 % to 5 % because of my favorable credit history. I have a XXXX XXXX  credit card in excellent standing with a {$0.00} balance of a {$1500.00} credit limit. I have an XXXX store account in positive standing. I have a XXXX credit card in positive standing. And a XXXX  XXXX card with a {$0.00} balance in positive standing. My student loan balance doesn't exceed $ XXXX and they are in positive standing as well. I work as a XXXX XXXX for XXXX XXXX and my annual salary is $ XXXX. Prior to obtaining this position, I worked as an entry level XXXX XXXX for XXXX grossing $ XXXX annually. I have no issues with my credit, no issues with my payment history or my ability to repay any loan and significant income coming in monthly.
Consumer complaint received 2018-03-09
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: Experian Information Solutions Inc. (TX)

XX/XX/17 a dispute was filed to XXXX XXXX and Experian for a federal tax lien in the amount of {$11000.00}
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Self Financial Inc. (NC)

I was accepted to have my payment extended and closed Due to family emergencies. My father passed away and my mother needed lots of financial helped. Someone at the time said they understood and would work everything out. Long story short the first late report was a scam because I asked and was approved for an extension! I called and tried explaining it was an error on their part and they act like they didn't know. So I told them I wanted my account cancelled and they said ok. Now looking at my account its under XXXX and I have 3 false late payments I NEED THEM REMOVED ILL BE HOMELESS
Consumer complaint received 2018-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Trans union posted a hard inquiry that I didn't authorize by a company named XXXX XXXX. I live in Mississippi. This company is XXXX. I want them to take this inquiry off my report because I did not authorize it.
Consumer complaint received 2023-03-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (MD)

On XXXX XXXX, XXXX  I attempted to use WISE to transfer {$60.00} euros to XXXX  a XXXX insurance company, to cover a co-pay for my deceased brother-in-law. I erroneously put his name and date of service in the purpose line so XXXX  immediately returned the payment to WISE on XXXX XXXX, XXXX  because they did not know where to credit the payment. WISE then sent the money to an unknown account on XX/XX/XXXX. XXXX has assured me that they did not receive a payment on XX/XX/XXXX. WISE refuses to provide me with the account number to which they sent the payment but have shared that the address is in XXXX. XXXX is located in XXXX. I am attaching the document that WISE gave me with details of the transaction on XX/XX/XXXX. It seems that they sent the money to the wrong bank. ( See details in the first email chain that I am attaching. ) I have asked them for a refund but they have replied that they have asked the bank for a refund but that this process takes time and is at the discretion of the receiving bank. I have been asking for this refund since XXXXXXXX XXXX XXXX XXXX. I will also attach their latest email to me after one month without hearing from them.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

Had problems with XXXX XXXX XXXXXXXX XXXX applying my monthly morgtage payments as they used wrong a personal bank account number to withdraw funds to pay monthly morgtage payments, they claim I did not pay XX/XX/XXXX on time, but, I had sent them a payment of {$4500.00} on XX/XX/XXXX, with confirmation numnber XXXX, and I talked to a person in collections named : XXXX XXXX, who stated that those funds were " just sitting there '' and were never applied to my morgtage payments, therefore, " I never missed any monthly morgtage payments and the XXXX XXXXXXXX XXXX should not have reported me to the credit bureau who, based upon the report from the XXXX XXXXXXXX XXXX the Credit Bureau lowered my credit rating from XX/XX/XXXX of XXXX, to XXXX in XX/XX/XXXX. I feel that is a wrong report because I NEVER ever missed any monthly morgtage payments, the XXXXXXXX XXXX XXXX just did not apply the funds I sent them for whatever reason. I just need them to issue a correct report that I have never missed any monthly morgtage payment. I even sent them fees for late payments which I feel they should return to me and they also charged me NSF fees, even when I have always maintained sufficent personal bank account funds which I can prove by the balances on my monthly bank statements and also, all payments made to XXXX made on time with confirmation numbers issued by them from their online site.