davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-11
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)

Just recently I ordered my yearly credit report and noticed many errors your company is reporting on my report. Not only is it distressed but I am disappointed at how I was affected by the Equifax breach. It has affected me in many ways and has caused so many problems that are out of my control with my identity being used. I am unaware of the accounts and inquiries listed in this letter and I demanded that theyre investigated internally by disputing only the accoutns and inquiries mentioned below. I have never given my consent to open any of the listed accoutns or any new accounts due to the being puzzled of how inquiries were placed on my credit file. These are serious errors that your company has made time and time again concerning my credit file and I will take legal issues if I have to immediately. This has been the 2nd time that I am disputing and it seems that Im being ignored for a particular reason and theirs no answer on to how the errors got any my credit file. I will go beyond measures to get the errors removed and if theyre not removed by XX/XX/2018 I will be taking legal actions against your company. 
Accounts Errors : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.  XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX Unauthorized Inquiries : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX/XXXX 4. XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7.  XXXX XXXX 8. XXXX/XXXX
Consumer complaint received 2019-08-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Cooling & Winter LLC (GA)

The company XXXX XXXX XXXX files 2 suits against me for 2 Credit Cards that fell victim to Identity Theft. On the recent credit report it shows one of the accounts with a balance of {$0.00} and the other as being charged off. The lawyer working with XXXX XXXX XXXX ( XXXX XXXX XXXX ) has provided no communication about this case after XXXX XXXX. In XXXX I received 5 forms requesting a date to appear in court. 2 of these were mailed from Texas, one was mailed in an envelope with a Judges name and address, and 2 were mailed with a PO box Georgia address but no firm name in the return address. The first item I received was a incomplete form requesting a court date. The other 4 followed but none of them had the stamp of the clerk of the court.on them. I emailed XXXX XXXX XXXX who replied that he and the court sent them. I replied XXXX 's email that I received a total of 5 of these forms, 2 with a PO box return in Georgia, 2 with PO box in Texas, and one from in the envelope with the Judge 's Name and address. Mr.XXXX did not reply to my last email. 
So the other day went to the county website to check on the tax bill to find out that XXXX XXXX XXXX and XXXX XXXX have placed 2 Liens on my home. The Judgement date on the liens is XX/XX/XXXX the same day that the tax assessment bill was processed. However, the liens were not recorded until XX/XX/XXXX ; about 2 weeks ago. 
I have received no word from XXXX XXXX since the email of XX/XX/XXXX. 
And the liens now have had the attorney 's fees added to the total amount.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

Hello I have several inaccurate information on my reort that doesn't belong to me I never filed bankruptcy or have any negative information on my report. Please remove XXXX, 2 ban ruptcy. address where I never lived. XXXX 2007, XXXX XXXX. This mail has been going to this address. please help to remove all information that's not mines. XXXX, bankruptcies 2, XXXX XXXX, 2 XXXX, a collection XXXX. Please its hurting me.
Consumer complaint received 2018-03-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (CA)

Some one named XXXX XXXX tried to access my wife 's account and she is going " Who is this '' They have a lot of information about me, almost to much. I do not know who this company is. I have never even heard of them and why are they trying to access my wife 's account and she said she received a very strange number a couple weeks ago, but did not think anything of it. Please remove me and do not try to access her account again. She is very upset with this.
Consumer complaint received 2024-02-05
Product: Credit reporting 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 recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2019-08-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A. (CA)

Dear to whom may concerned, Here are some details : when we opened this joint account with citi-bank, the person who helped us didn't mentioned about a monthly charge fee. For the past 12 months, they have been charging this account for XXXX dollars, accumulated for XXXX dollars. I called them through phone, they are only able to refund me XXXX dollars. They told me to go to a branch to take it further. then i went to the bank. the first bank i went to they told me that their manager will contact me through phone. so i went back home and i got nothing from them since then. then the next week, i went to another citi bank 30 minutes away from where i lived. they also told me to wait for call. for the following days, i went to them several times. they either told me that the manager is not available or to wait for their call. I was able to get a direct number of the manger. i called this number for more than 5 times. the assistant picked up the phone and told me that the manger is not available and will reach me back. for the last 3 weeks. I've been reached out to them, and i got no reply. nothing at all. this is the worst experience i have with a bank. I am asking for your advise on how i can do to get this fee reimbursed and i want to know what i can do to their behavior of treating their customer. 
Thank you!
Consumer complaint received 2021-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (GA)

I opened a Merchant ( XXXX XXXX Credit Card account, issued by TD Bank NA, in XX/XX/XXXX for {$3200.00}. Agreed minimum monthly installment payment was {$94.00}, to be paid off by XX/XX/XXXX. 
I was determined to pay it off much sooner, so I started paying larger installment amounts. All my payments were made through my XXXX XXXX XXXX, Money Market Account by Electronic ACH Web Payment : XX/XX/XXXX : ACH Electronic debit TD Bank NA, Web Payment XXXX = {$250.00} XX/XX/XXXX : ACH Electronic debit TD Bank NA XXXX Web Payment XXXX = {$350.00} XX/XX/XXXX : ACH Electronic debit TD Bank NA , Web Payment XXXX = {$400.00} XX/XX/XXXX ACH Electronic Debit TD Bank NA XXXX XXXX XXXX = {$480.00} XX/XX/XXXX - XX/XX/XXXX : Total amount paid to TD NA Bank XXXX {$1400.00}. These amounts were not reported on the statements. 

On XX/XX/XXXX Statement, they finally recorded my 5th installment of {$150.00}. What did they do with my four earlier instalments, totaling {$1400.00}? 

I just went on the web site of their subsidiary company ( XXXX ), who services the credit payments. I tried to pull my statements. To My greatest shock, none of my four ( 4 ) payments were reported on all 4 statements. Each statement was BLANK, with the notation " NO TRANSACTIONS FOR THE SELETED MONTH '' TD Bank NA, is running a very fraudulent system. If a little mom-and-pop shop tried such scheme, they would be rotting in jail by now. I hope to XXXX that, CFPB will take a serious look at this. I have copies of the 4 blank monthly statements, should you need them, to support my case. 

Thank you very : XXXX XXXX
Consumer complaint received 2022-06-10
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. (FL)

In accordance with the Fair Credit Reporting act US BKPT CT CA XXXX 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 an account without my written instructions.
Consumer complaint received 2020-12-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have sent numerous letters with no response requesting investigations and verifications of information on my credit report. This bureau has ignored my requests on the following occasions : Letters sent dated : XX/XX/2020, XX/XX/2020, XX/XX/2020, including a complaint warning letter dated XX/XX/2020. I have been more than generous with allowing the bureau more time than allowed by law to investigate and update my credit reports, but these incorrect accounts listed below have been negatively affecting my credit and I have had no luck in them doing what is right to fix this. The items listed below have been disputed with no response for over 6 months. This is ridiculous 1. Validate Account Chapter XXXX Bankruptcy Case Number : XXXX Please supply information on how you have verified this item. 

2. This Account was not XXXX days late. 
XXXX Account Number  : XXXX Please correct/update this inaccurate information on my credit report. 

3. This Account was not XXXX days late. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. This Account was not XXXX days late. 
XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

5. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

6. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

7. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

8. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

9. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

10. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

11. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.
Consumer complaint received 2019-08-27
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CNG FINANCIAL CORPORATION (AZ)

Ms. XXXX called me XX/XX/XXXX, trying to collect a debt from XX/XX/XXXX. She would not verify herself, her company, and she did not verify me. She did not read the " this is an attempt to collect a debt '' nor was i on a recorded line. If i was on a recorded line, she did not notify me. She told me I had ONE hour to pay. I told her I needed time and needed to research this before paying. She then somehow called my boss 's mobile phone, was rude to her, and this was extremely embarrassing to me at my place of work. When I called her back ( I called her on an XXXX number, she answered " hello '', she did not answer with a business name ) to tell her it is illegal to contact my boss, and it is also illegal the way she handled the entire call. She became irate, unprofessional, and told me to " quit stealing money and I should know better '' then she became threatening, and told me to " just wait '' There are SEVERAL Fair Debt Collection Act violations in this scenario, and I can not find any information on " XXXX XXXX '' there is also a XXXX number she has called from.
Consumer complaint received 2021-04-04
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: CITIBANK, N.A. (GA)

A citi bank credit card was opened in my name XX/XX/2019. It has been written off with a balance of {$1000.00}. I did not open the account. I have contacted Citi Bank numerous times to remove the account and they continuously refuse to remove the account from my credit report.
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Hi I have an issue with my credit score report. Earlier, muly score was XXXX but because of wrong inquiry my credit score has been down to XXXX for last month. XXXX XXXX  put creditor on my credit score report even i am not customer of bell mobility. Actually there is pne girl whose name and birth date matches to me, she did not pay bill around {$470.00} which i can see on my credit report. Transunion mismatched our information with each other. I can see her addresses on my credit file and even her phone number too. But when i filed a dispute with transunion they said information reported correctly on my credit. When i called to transunion they said i need to call XXXX XXXX but when i called to XXXX XXXX they said i need to call transunion. Now, i am getting run around. Even this is not my fault. When i told to the agent you can check my last 2 years history that where i belongs to XXXX XXXX, he did not give me any response. They are not checking my history that i do not belong to XXXX XXXX in any case. She is a different girl who is not making payment for XXXX XXXX. I really hope you can help me with that. I will look forward to hearing from you. 
Thank you Have a good day.
Consumer complaint received 2018-04-09
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: CITIBANK, N.A. (CA)

On XX/XX/XXXX I called XXXX 's regarding my account. I had not received a bill from them for a couple of months. I was told that it was overdue on XX/XX/XXXX So I went to XXXX 's store and paid the balance due. They waived all late fees and penalty fees due at that time. However, XXXX 's continued to charge me late and penalty fees for two months afterward. XXXX and XXXX had late fees and penalty fees added. I called XXXX 's and on XX/XX/XXXX and again on XX/XX/XXXX to clear the charges of {$81.00}. I even sent a letter to XXXX XXXX and XXXX XXXX, President and CEO of XXXX XXXX to help clear this matter. Nothing was done and the executive department said that the charges of {$81.00} were to remain on my credit report, even though there was a XXXX  balance on my account. 
On XX/XX/XXXX XXXX 's again reported my account of {$81.00} past due. I called XXXX XXXX credit department and they told me that there was a XXXX balance, but the charges of {$81.00} were to remain in my credit report as past due even though it wasn't.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

There is in correct accounts being reported on my credit report. There is a bankruptcy showing on my credit file. I need this investigated and removed from my credit report. I pay all my bills on time. There is no need for me to ever have filed bankruptcy. There are numerous hard inquiries showing on my credit report. I did not authorize for these inquiries to be ran. These are in accurate, and I did not sign anything for these inquiries to be ran. XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX Resident Verify XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX Us Small Bus Admin Oda XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Us Depart Of Edu XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2019-08-28
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: EQUIFAX, INC. (AL)

Equifax ; XXXX and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX  - account number XXXX. ( Please see page 6 of my credit report attached. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the ( 3 ) bureaus to fix this issue but I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2022-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Avant Holding Company, Inc. (TX)

i wrote about a chg on my acct back in XXXX,, and want this chg taken off as if was chg a # of times on same merchant
Consumer complaint received 2021-12-23
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. (OK)

I submitted documents to this company requesting removal of fraudulent account in accordance with FCRA sect. 605B. Company did not remove account but instead fraudulently and without my request, knowledge or consent, opened a dispute Which is in violation of FCRA rules in 605B
Consumer complaint received 2024-02-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (IN)

My wages were garnished by Midland Credit Management. Each time my employer forwarded a payment to MCM they reported a lesser amount of payment to the credit bureaus. When I inquired about it they said they deducted from the payment for interest, although they constantly added interest to my balance several times while I was being garnished. ( Reporting a false amount is wrong regardless of the reason ). When I called MCM I asked if I had any other accounts with them. The representative informed me that there were three other accounts. I asked her for the balance. She said the balance is XXXX on all three accounts and they were closed. I asked for the previous balance and she said she could not see that amount because the balance is now XXXX. I asked for the name of the original creditor and she informed me they are XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, all three of my credit reports still showed a balance for three accounts after three weeks. I phoned MCM again and inquired if I had any outstanding accounts with them. I didn't mention my previous conversation with their representative. The second representative said the exact thing the first representative said. The three accounts were closed and the balance is XXXX. I asked if they would update that information to the credit bureaus. I waited a couple of weeks and the information remained the same. I disputed the information to all three credit bureaus. The three accounts on XXXX stayed and the balance increased and then decreased by the same amount. The three accounts were removed from XXXX. After some time they returned to my XXXX report. The balance increase and then decrease by the same amount. The same with XXXX. They continue to remove one or more account, report it back, increase the balance, and decrease the balance to all three credit bureaus. Each time they perform an action they are negatively effecting my credit score. I am trying to get back on my feet after a tragedy that set me back financially. MCM is making it hard for me to do that with their illegal tactics.
Consumer complaint received 2021-12-05
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. (WI)

Experian has not accurately verified any of the information on my file related to this account nor have they adequately investigated the supporting documentation I have sent them including ID Theft Affidavits and Police Reports, as I have been a victim of identity theft originating back to XXXX. Instead, Experian has negligently allowed their automated disputing processing system to repeatedly list inaccurately information on my credit file causing me extensive hardship since XXXX. Below, I have listed some of the recent multiple dispute attempts I have had to file in order to have each individual account errors deleted from my credit file as it has been negatively impacting my credit score for more than one year at least : 1 XXXX XXXX XXXX XXXX XXXX, open date XX/XX/XXXX a. dispute filed XX/XX/XXXX as not my account, possible fraud, ID theft Police Report & fraud affidavit provided b. dispute filed XX/XX/XXXX as not my account, possible merged file with someone with similar names, police report provided, affidavit of iD theft provided c. dispute filed XX/XX/XXXX as not my account, possible fraud, Police Report & ID Theft Affidavit provided Experian only removed multiple addresses and social security numbers listed on my credit file after multiple dispute requests. I assumed, Experian reviewed my ID theft report and affidavit which was sent with the dispute because the inaccurate account was eventually removed, but after months the account reappeared on my credit file with a new closed account status.