davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-04-04
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. (NV)

I have reached out to Transunion on several occasions and its causing emotional STRESS and financial damage to me. Failure to provide me with a appropriate legal and lawful response will result in further action. This the last time failure to respond 5 calendar days will be constituted as your acceptance that the debt is not valid. Please be advise verify, validate and document for your records that I AM LEGALLY Obligated to pay these alleged debts. Please be advised that a simple verified will not constitute an appropriate legal nor is it a lawful response. PLEASE REMOVE THE FOLLOWING IMMEDIATELY XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX XXXX {$960.00}, XXXX XXXXXXXX XXXX {$1300.00} REF CFPB PRIOR COMPLIANTS XXXX, XXXX
Consumer complaint received 2023-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-02
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. (CO)

XXXX  and Transunion are reporting incorrectly that I am 30 days past due on XXXX XXXX partial account number XXXX. ( Please see pages 17 and 18 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2019-09-24
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. (NC)

I have a lot of inquiries on my credit report from TransUnion that I dont recognize ... Ive updated a fraud alert in the past and they do not suppose to let anyone check my credit without contacting me first ... these inquiries shall be removed immediately started from XXXX XXXX until now! I did not authorize my credit to be pulled ... and this includes XXXX  and XXXX ....
Consumer complaint received 2019-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (NY)

this bank is crazy they dont call me from executive to hear my concerns im having with my secured card i applied for the unsecured card as told and was declined which makes no sense on their letter it just states PAYMENTS WERE RETURNED FOR INSUFICIENT FUNDS OVER THE PAST 12 MONTHS AND TO CALL CUSTOMER SERVICE WHEN I DO THEY CANT FIND THIS INFORMATION THIS IS NOT A VALID REASON TO DECLINE ME WHEN IM APPLYING FOR ANOTHER ACCOUNT THEIR USING MY CURRENT ACCOUNT AGAINST ME IVE BEEN WAITING YEARS FOR GRADUATION AND THEY TOLD ME TO APPLY IF I DONT WANT TO CONTINUE TO WAIT FOR SO LONG
Consumer complaint received 2019-09-24
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. (GA)

I was in the process of refinancing my mortgage when I had my credit report done and it was at that time that I noticed things on my credit that looked unfamiliar. I discovered that there are things on my credit that don't belong to me and I'd like them removed as quickly as possible. XXXX XXXX
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (CA)

XXXX XXXX XXXX is stating that the original creditor is XXXX XXXX. But the original creditor is XXXX financial. The date this account was opened was XX/XX/2017. The amount is for {$3700.00}
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently pulled my credit report and found some inaccurate accounts that are reporting on my credit. I have made a list of these inaccurate accounts that I would like removed. I am in the process of purchasing my first home for my family. Please review my documents and remove the accounts that are listed.
Consumer complaint received 2022-03-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX Account # XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Amount : {$1700.00} XXXX Placed For Collection : XX/XX/2021 Date Updated : XX/XX/2021 I demanded Commonwealth Financial Systems to provide me with validation of the debt to include the signed contract between me, XXXX XXXX XXXX and Commonwealth Financial Systems which claim to be collecting and a complete accounting of all charges and credits concerning the account from the time it was opened. 

I also asked them to provide me with the signed contract between Commonwealth Financial Systems and the " original creditor '', XXXX XXXX XXXX XXXX which Commonwealth Financial Systems are collecting on behalf of, if they, Commonwealth Financial Systems have been hired to collect it for someone else.

I informed them that if they did not provide proof or the existence of the debt and their authority to collect it within the next 30 days or have it removed entirely from my credit file with all three credit bureaus, that I may file a claim against them in state court under the laws of Arizona, or the FDCPA, for damages against me related to their fraudulent reporting of the debt to one or more credit bureaus. 

Commonwealth Financial Systems failed to provide proof of the existence of the debt and failed to remove it from my credit file with all three credit bureaus within the 30-day time frame, therefore I wish to file a claim with FDCPA.

Commonwealth Financial Systems bought this debt from a previous debt collection agency which had removed the debt from my credit file after receiving a letter from me with the same requests. 

Signed XXXX XXXX XXXX Without prejudice UCC 1-308
Consumer complaint received 2019-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (WA)

I have a PayPal account which I have used without problem for several years.

I recently received an email saying I could like my PayPal credit account with my normal PayPal account. I never authorized PayPal to create a credit account, nor do I want a credit account.

I called PayPal to cancel the account ( they never gave me a number or information about the account ). I hung up after they advertised my wait time would be 1 hour 5 min.

I emailed them through their website. Over the course of 4 emails and replies, at first they acted like they did not know about it. I told them that was unacceptable, they were the ones telling me they created an account and wanted to link my normal account to their credit account. By the third email they admitted they had created an account in my name with a credit limit of {$13000.00}. They offered to close it. I emailed back to close it. They responded it was closed. So the " problem credit account '' is now presumably closed if I am to believe them. 

My concern is this is like XXXX XXXX. PayPal is creating accounts for their customers without their knowledge. They need to be stopped. This is wrong.
Consumer complaint received 2019-04-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (GA)

I got a call out of the blue saying that we were late on a payment. Called my wife and found out we were. So we paid two payments that month. Then a couple months late the same thing happened but we hadnt missed any payments. But in trying to keep late payments off my credit we paid two payments that month. Now this is the 3rd time this has happened and shows we are two payments behind still. Thank you XXXX XXXX
Consumer complaint received 2019-09-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NJ)

My family members have received multiple phone calls attempting to locate me, even though the original company already has my name and phone number. 

I have spoken with agents of the company previously and asked them only to contact the phone number that they have on file for the account ( my phone number, listed above in this complaint ) but they have repeatedly made phone calls to my friends and family members after I issued a verbal request to them to stop.
Consumer complaint received 2022-03-30
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LD Holdings Group, LLC (CA)

I submitted a complaint with XXXX last XXXX XXXX XXXX about the inquiry that they made into my credit report. The XXXX responded with a letter that they obtained inquiry with my permission that the Loan depot gave to them. The loan depot agent told me that this is only a soft pull and not a hard pull since this is just a verification and once we move forward with the loan they will do a " hard pull '' Unfortunately they were not able to qualify me for the loan and left damage to my credit by leaving that hard inquiry on my credit report.
Consumer complaint received 2019-09-24
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. (NC)

Hey I wanted to contact you all because I went to my bank to get a loan to help my brother by and get a car and they told me that I was not able to cosign for him. I don't know why I wouldn't and plus I have been with my bank for years since I was 21. My mom told me to look at my credit and there is some stuff on there that isn't mine XXXX XXXX, XXXX XXXX XXXX , DPT ED/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 and there Is an account that don't even have a name but it's an account number XXXX. My mom told me to get in touch with police and FTC, I did both.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2019-09-24
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC (CA)

I completed a full documentation refinance transaction with XXXX XXXX XXXX   thru a broker named XXXX XXXX signing closing documents on XX/XX/XXXX. My previous loan was held with XXXX and the new transaction was originated thru XXXX ... additionally my current loan was kept and is serviced by XXXX. I was approved to close in mid XXXX and completed the closing without issue on XX/XX/XXXX with a guarantee to fund before the end of the month. My XXXX payment was outstanding, and I followed up with XXXX and my broker multiple times to ensure that it did not need to be paid. I was assured that the funding of the loan would occur in XXXX and that the payment was included in the payoff of the old loan. Additionally, XXXX waived a late fee proving that this was in fact made note of in their system. I followed up on the funding of the loan daily, and was assured on XX/XX/XXXX that the loan was funded and satisfied. It was not until XX/XX/XXXX that I realized that the entire time XXXX had reported me 30 days late regardless of the aforementioned facts. The entire time I had the money to make the payment as scheduled and was told not to make it by both the broker and XXXX. It has drastically reduced both myself and my wife 's credit score. We could not take advantage of multiple rewards offers for credit and we can't refinance to obtain the currently low interest rates. Prior to this we had a perfect payment record and our scores were almost 800. Please help.
Consumer complaint received 2019-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MA)

On XX/XX/2919 I sent a check ( XXXX XXXX  ) for {$5000.00} in full payment of my bill to XXXX XXXX MasterCard ( Barclays Bank ). I was credited with a payment of {$50.00}, Interest on the unpaid balance was waived when I complained. However, they refused to provide a copy of my check, saying it had been destroyed and no copy was retained. On XX/XX/XXXX, I sent another check ( this time for {$14000.00} ) to them and this time was credited with a payment of {$1400.00}. Again, interest was waived and their account manager told me neither the actual check or a copy existed. That I refuse to believe! My bank told me that they receive only notification of an electronic cash transmittal and no paper confirmation. No human being takes part in the process! Checks are read by computers and payments are processed entirely by computers. I have written over 10,000 checks during the past seventy years and these are the only two instances in which the amounts were misread.
Consumer complaint received 2019-09-24
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. (TX)

equifax and XXXX XXXX data breach caused the violations : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6 different name on credit 3 different address
Consumer complaint received 2019-10-01
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 ; XXXX and XXXX are reporting incorrectly a charge-off in the amount of {$12000.00} on XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This loan was opened fraudulently. I did not sign any documents, nor did I authorize this loan. I was not aware this account existed until I viewed my most recent credit report. This account was opened at a car dealership that is no longer in business. I have attached a copy of the XXXX XXXX Report that shows a printed version of my name, however nothing was ever signed and this printing of my name was done by someone else! I have filed a police report regarding this matter as well. This incorrect reporting of a charge-off that does not belong to me is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-05-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Richard Sokoloff, Attorney At Law (TX)

Richard Sokoloff Attorney at Law claims to have served me with a judgement that I never received and didn't want to give me any to verify, stated my spouse and I received services and they would not give proof of being served. WHen we contacted the dental place they have no records of what services were provided so no way to verify that this is a legitimate debt. Worse is this was a judgement from XX/XX/2012 and now 6 years later that I have more than the amount they can place a lein from my insurance check, they place one. The lawyers info is XXXX XXXX XXXX - XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX This is second complaint, after speaking to his office, his office is no longer answering phone calls and has not sent any of the faxes he said his office would do so this has been 4 months and no updates, he needs to release my insurance funds or I will take the steps of counter suing for the money he placed a lien on. I have contacted another attorney about this.
Consumer complaint received 2019-09-24
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: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I applied for credit in XXXX, I was told by the finance company I had a negative reporting on XX/XX/XXXX by Portfolio Recovery Associates appear on my credit report. so I pulled my credit report XX/XX/XXXX. This also the same month I began to dispute this item from XXXX to present XXXX this item continues to remain on my report and Portfolio Recovery Associates continue to provide false information from their XXXX XXXX XXXX and XXXX California Location.
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

The last attempt to remove inaccurate information to Experian was on XX/XX/2019. One of the addresses on my report of XXXX XXXX XXXX is a location I have never lived at in my life and they will not remove it. It says that a creditor sent information to that address but I never gave it out because I never lived there. And I am not sure who lives at that address. Also the letter included a past address of XXXX XXXX XXXX which I asked to be removed as I have updated my current address with Experian. I have applications pending where my credit will be accessed and it makes my credit file appear scattered as far as the addresses goes. I have been trying for over a year now to get the inaccurate information removed.
Consumer complaint received 2019-09-24
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)

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this line item however, I have not been successful.
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This incorrect reporting is harming my cXXXXedit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this line item however, I have not been successful.