davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please work with XXXX to update my Student Loan accounts as paid as agreed and Chapter XXXX bankruptcy deleted from my file. reinvestigate these matters and delete or correct the disputed information as soon as possible. And the 2 public records Chapter XXXX bankruptcy accounts deleted. XXXX is reporting several accounts as being in a chapter XXXX bankruptcy however XXXX XXXX is stating that they have no record of a credit file on me. 
Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. 
I previously disputed this public record stating : ''I dont recognize this public record. '' Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. I previously disputed this public record stating : ''I dont recognize this public record. '' XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed. 

XXXX XXXX XXXX  Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed. 

XXXX XXXX XXXX  Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed.
Consumer complaint received 2021-11-08
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)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 2021
Consumer complaint received 2020-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

everyone is aware of the many data breaches. my wallet was stolen a while ago while i was hospitalized, and that was a mess and soon after, when i was turned down for credit, i reviewed my credit report to find several accounts/creditors, and other inquiries, obviously the thief is trying to get more credit. i've always had perfect credit, and this is ruining my ability to commerce. my mother is coming from XXXX to live with me, and i need to have access to credit options, to take care of her and myself, can anyone please help me. i have contacted the bureaus several times, and they have refused to remove this negative information off of my report. being from another country i can not understand how anyone can put something on a persons report, and then the innocent party pays a cost. ve written the bureaus and the creditors asking me to provide the contracts with my wet ink signature, and to date not one has responed, and the negative information remains on my file, can anyone please help me
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (NV)

THERE WERE SEVERAL CHARGES ON MY NETSPEND CARD THAT I DID NOT AUTHORIZE THE CHARGE OR THE PURCHASE THREW A INTERNET. I BELIEVE MY LAPTOP GOT COMPROMISED AND HATCHERS GOT MY CREDIT CARD NUMBERS. I HAVE FILE A COMPLAINT WITH THE IC3.GOV AND WITH LOCAL AUTHORITIES. HERE IS THE LIST OF MERCHANTS THAT CHARGED MY CREDIT CARD FOR SERVICE AND PRODUCTS THAT I DID NOT ORDER OR AUTHORIZE THE CARD TO BE CHARGED. 
Transactions included in this dispute If you have additional transactions to dispute, that are not listed here, please contact Customer Service. 
Special Note : When you file an unauthorized transaction dispute we require the affected card ( s ) be blocked to protect your account. We will show you options for replacement cards once you finish filing your dispute. 
Transaction Date Description Amount XX/XX/XXXX XXXX XXXX XXXX {$24.00} XX/XX/XXXX XXXX XXXX US {$15.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$8.00} XX/XX/XXXX XXXX XXXX XXXX {$24.00} XX/XX/XXXX XXXX # XXXX XXXX XXXX {$28.00} XX/XX/XXXX XXXX # XXXX XXXX US {$47.00} XX/XX/XXXX XXXX XXXX XXXX {$6.00} XX/XX/XXXX XXXX   XXXX XXXX {$49.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$8.00} XX/XX/XXXX XXXX XXXX XXXX {$1.00} XX/XX/XXXX XXXX   XXXX XXXX {$1.00} XX/XX/XXXX XXXX  XXXX XXXX {$24.00} XX/XX/XXXX XXXX XXXX XXXX {$1.00} XX/XX/XXXX XXXX XXXX XXXX AXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$20.00} XX/XX/XXXX XXXX XXXX XXXX {$20.00} XX/XX/XXXX XXXX XXXX XXXX {$20.00} THANK YOU VERY MUCH FOR YOUR TIME AND CONCERN ON THIS MATTER.
Consumer complaint received 2023-01-18
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. (PA)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 2018-02-07
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: SYNCHRONY FINANCIAL (AL)

Copy of my latest letter to XXXX XXXX XXXX Customer Service ... ... .. 

Dear Lowes, I have always been faithful to pay my account balance on every debt I owe, including Lowes. However in XX/XX/2017 I purchased a refrigerator on my Lowes account ... it was not in stock so was delivered several weeks afterwards. It was defective and Lowes came back and picked it up several days later and was supposed to credit our account because we chose not to order a replacement at the time. I wasnt upset and I didnt blame Lowes. Sometimes manufacturing defects happen. 
Several months later my husband and I start getting a bill .... the extended warranty that we added was never refunded when the refrigerator was refunded. We have been to the local store numerous times to try to get this corrected and no one would help us. We were told different stories and excuses basically pushing this problem off on the credit card. We would be given a XXXX number to call and have called countless times and attempted to dispute the bill only to be cut off, put on hold, told it would be investigated, told it had been corrected and refunded ... etc etc .... never of which any calls resulted in the situation actually being corrected. Now I have a collections agency harassing me daily trying to collect and it is showing up on my credit report. 
I have talked to the collection agency, they say they can do nothing, tell me to call XXXX XXXX, so when I call XXXX XX/XX/XXXX they say this is now out of their hands and transfer me back to the collections agency. So round and round and round and round I go .... NO ONE will fix this. I am grown increasingly angry. I would certainly be glad to pay my balance in full as soon as the extended warranty charges and associated late fees and collections fees are removed from my account. However, I have yet to find one person to help. Can you please NOT give me another useless XXXX number to call and PLEASE either forward this to your CEO or to someone who can fix this.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following account : XXXX : Account Ending XXXX
Consumer complaint received 2021-11-08
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TMX Finance LLC (NV)

I took out a loan on a XXXXXXXX XXXX back in XXXX I contacted Titlemax and let them know I had lost my job and was unable to pay. I offered them the car in lieu of paying off the loan. Shortly thereafter a tow truck came by and took the car. I figured the issue was done and now almost 4 years later I am getting repeated calls from various numbers on my personal cell phone with an automated message to call Titlemax back or press 1. I have pressed 1 on one occasion and was transferred to a rep that started asking me all kinds of personal info, as if they had no idea who I was. They proceeded to tell me I owe an extreme amount of money and they told me that I still owe them regardless if the car was taken or not. I told them I would do my research and call them back, and proceeded to call local tow yards and police department. Various searches for the VIN and License plate show that the vehicle is nowhere to be found. So now I'm out my vehicle and Titlemax is demanding their money. It has been way too long and I'm pretty sure they screwed up somewhere and don't realize they have my vehicle. 

I would like them to double check their records and leave me alone, since they took my car and per their agreement them having the collateral ends the contract.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I should only have two addresses on my credit report : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2018-02-06
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: BARCLAYS BANK DELAWARE (TX)

I called the company and they said they have no records of me applying so they dont know why the inquiry was on my report. I had receive a note from them and it had an account number and I never applied with them and thats what the agent told me. The inquiry is from XX/XX/2016 I have  called these companies all of them I have attached a copy of the inaccurate ones thats on my file I have put a block on credit report because I have lost social Card and when I receive letter of items I apply for I call them
Consumer complaint received 2023-01-19
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. (PA)

Upon review of my credit report I discovered a loan account that I did not authorize and have XXXX knowledge of. I do not have a relationship with XXXX XXXX but they have me documented as having acquired a loan in XX/XX/2022 in the amount of {$17000.00}.
Consumer complaint received 2022-07-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my cre
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY (RI)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2021-11-08
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. (TX)

Complaint : ( XXXX/XXXX ) has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
I have NOT given permission for ( XXXX/XXXX ) to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b . 

Experian must remove all information reporting from and relating to ( SYNCB/SMRTCN ) including third party debt collection accounts associated with ( SYNCB/SMRTCN ) because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b. 

XXXX/XXXX Experian Account # : XXXX Account Type : Revolving Account Type - Detail : Charge account Bureau Code : Individual Account Status : Transferred Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 0 High Credit : {$4000.00} Credit Limit : {$5500.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Account closed due to transfer Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX
Consumer complaint received 2021-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CA)

IC Systems Collections claims i owe them {$2000.00} for a closed sprint account. It was placed for collections on XXXX I have not knowledge of this collection. I had and paid a XXXX  cell phone bill back in XXXX. I have not used or had XXXX  services since XXXX. I've asked for a detailed bill, but I haven't see one. I've attempted to dispute this with IC Systems Collections on several occasions, but no one from the company can produced the original documents.
Consumer complaint received 2018-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (FL)

On XX/XX/XXXX I sent Procollect a letter requesting that they validate the debt they claim I owe. I received a letter from Procollect dated XX/XX/XXXX which included a final account statement with another individuals identifying information. They failed to provide any competent evidence. They failed to provide me with an original contract. I do not owe this debt. They must remove this account from ALL 3 credit reports and agree not to sell it.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been watching my credit and Transunion has not timely updated my report with the correct up to date information. My score is not calculated correctly as in positive changes to my report decreases my score instead of increasing my score. My score with Transunion is 100 points lower than other bureaus because they are not reporting accurate nor in a timely manner. I have disputed with them in writing about this matter and when I call I can never speak to anyone. This is unfair reporting processes. I need help with speaking to a live person that will be able to understand that they are the bureau thats lagging in time and does not hold accurate information. They should not be allowed to report if the consumer does not have the ability to rectify wrong information. This is unfair!
Consumer complaint received 2021-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (DC)

On XX/XX/2021, I called my mortgage company and talked to XXXX ( employee # XXXX ) in the mortgage department who transferred me to XXXX XXXX employee # XXXX ) in the tax department at US Bank. I shared with both of them how I received a mortgage bill for {$3300.00} when my mortgage is supposed to be {$3100.00}. I asked them to explain to me why my fixed mortgage had increased and was told that my property tax was adjusted and there was not enough money in my escrow to cover it so they added it to my bill. I shared that I specifically called the tax department on XX/XX/2021 and talked to an agent ( on a recorded call ) that told me that not only was my XXXX tax bill paid but that I had {$990.00} left over in my escrow account. So, to now receive an increased bill is not only shocking but it is in opposition to what they told me was in my account. I asked to speak to a manager and have them pull the record- and both XXXX and XXXX confirmed that they see in the notes that an agent told me this information but this was in error. I shared that this is unacceptable. I should be able to trust my mortgage company has properly calculated my mortgage and taxes and when I call them to inquire on this information ( because they had not sent me any documentation that my escrow account was depleted ), they should have accurately reported the balance. This comes across as predatory to just increase my mortgage and the only explanation is that the agent was wrong.
Consumer complaint received 2018-03-30
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (LA)

I have noticed that I have a hard credit inquire from your company on my XXXX XXXX and XXXX XXXX credit file that I did not authorize to acquire. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the understandable language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer because of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/2018 with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated regarding this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, LA XXXX Email : XXXX XXXX
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (NV)

I applied for an apple credit card with Goldman Sachs Bank and was emailed an adverse action letter. I sent out two letters, and spoke to someone on the apple chat telling them the problem and how I felt like I was discriminated against due to my application and exercising my rights as a federally protected consumer and was told " discrimination does not work like that ''. I felt like the person I was chatting with was basically talking to me as if I didn't know the Law and my Consumer Rights. My credit was also ran twice which resulted in two inquiries and I only applied once.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (ID)

My XX/XX/XXXX payment was due by XX/XX/2019. I made my payment by the due date but the company still reported me late. I have two different forms of proof showing my payment was received on XX/XX/2019. I received online confirmation and an emailed confirmation. When I opened my dispute with the credit reporting company they did not fix the 30 day late on my credit report for XX/XX/2019. They updated my XX/XX/2019 payment which is fine but my XX/XX/2019 payment needs to reflect that it was paid on time as it was paid by the XX/XX/XXXX due date.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (CT)

I am disputing inaccurate information affirm continues to report to credit bureaus. Its been over 60 days since paying off loan. 
Affirm still continues to report inaccurate information to credit bureaus I have open loan with revolving balance account open. Numerous calls to customer service refuses to look into problem tells me not much they can do. 
I'm requesting affirm immediately report this account closed and paid off with credit bureaus