davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-25
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. (NY)

I am submitting this CFPB Complaint to dispute the accuracy of my credit report. After reviewing my report, I have identified an erroneous account that is negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information on credit reports is accurate and up-to-date. I am requesting that you investigate this account and make the necessary updates to ensure that my credit report is accurate. The listed accounts is erroneous and should be removed from my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$31000.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy.
Consumer complaint received 2022-04-26
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. (MI)

I have over several inquiries on my TransUnion credit report. I have sent letters and disputed over the phone. These inquiries are unauthorized and I want them removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( hotel and travel ) XXXX XXXX Credit Union- Charge off This information is incorrect and I have requested countless times this XXXX XXXX.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

Equifax is reporting inaccurate information on accounts that are closed, these accounts are XXXX XXXX XXXX and XXXX XXXX was investigated by CFPB and was closed, they are reporting them open still.
Consumer complaint received 2020-12-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (NY)

I moved into a new apartment in XX/XX/2020. I had XXXX cable TV and Internet service installed on XX/XX/2020. The internet never worked from the day it was installed. I called customer support and they had 5 different technicians over to the apartment to try to fix the internet service. The service techs indicated that this particular building is a " known problem '' to XXXX and many other residents also experienced the same problem, namely no internet service. As this was over the covid crisis and I was required to work from home and required to use the internet for my job function, I was financially harmed as my employer refused to pay me since I could not get my work done online and had to drop off work files instead which my employer could not eventually use. I was financially harmed and lost income of over {$15000.00} during the two months the internet did not work. XXXX kept promising to adjust the bill and credit my account for {$120.00} each full month that I was billed for internet. I called XXXX over twenty times to speak to a billing manager but was always advised that no one was available and was assured that a billing manager would call back to properly adjust the bill for the lack of internet service. I never received any response from a XXXX representative or billing manager. I request a credit of {$300.00} for the internet service that I never received, yet XXXX continued to bill me for. I terminated XXXX on XX/XX/2020. I called XXXX XXXX and they installed internet service for me that has worked perfectly since it was installed. See attached work orders for XXXX technicians that were never able to correct their failure to provide internet service. I am being harassed by Sunrise Credit services, a collection agency that XXXX is using to collect the fraudulent charges they have billed me for. I never received internet service, yet XXXX continued to bill me and refused to issue a credit. I believe this constitutes consumer fraud and respectfully exercise my legal rights under the Fair Credit Reporting Act. 

Thank you
Consumer complaint received 2020-12-01
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. (IN)

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XX/XX/XXXX ' MY NAME AND ADDRESS HAS ERRORS AND WRONG PREVIOUS ADDRESSES NOT FACTUAL
Consumer complaint received 2020-12-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHEDXX/XX/XXXX ' MY NAME AND ADDRESS HAS ERRORS AND WRONG PREVIOUS ADDRESSES NOT FACTUAL
Consumer complaint received 2021-04-10
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. (NY)

On XX/XX/2021, I submitted a request to both Experian and XXXX  requesting that they remove inaccuracies from my credit file with them. The credit file shows the following " Public records concern legal matters associated with you and are gathered from courts and government agencies. '' and that the " US BKPT CT NY XXXX '' shows a " Bankruptcy chapter XXXX-discharge. '' However, per the bankruptcy courts, they do not report such information to the credit bureaus. XXXX has already done the right thing and removed this inaccuracy from my file so i dont understand why XXXX  and experian continue to harm my ability to obtain credit. 

All I request is they remove these items from my report immediately as this is inaccurate per the reasons stated above.
Consumer complaint received 2021-04-10
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)

My account XXXX XXXX/XXXX  was paid on the agreed terms and was never late. However, Equifax still has not removed the 30 day late being reported on XX/XX/XXXX. Equifax is reporting inaccurate information on my credit file. On XX/XX/XXXX, I requested Equifax to verify this 30 day late and to send me the name, documentation and the exact and specific procedures they used to verify this late payment. I only received a generic letter response. I sent them another letter on XX/XX/XXXX and they still have failed to provide this vital information. And I still have a 30 day late on my credit file.
Consumer complaint received 2021-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Meade & Associates, Inc. (IL)

Meade and Associates is trying to collect a debt not owed it was discharged in a banruptcy filed XX/XX/XXXX. This company reported this account on XX/XX/XXXX on my XXXX credit report but failed to update it as included in bankrupty, They have also now reported this account 6 years later XX/XX/XXXX on my XXXX Report as a new collection. This should have not been reported on my transunion report after my bankrupty discharge. IT was only on my XXXX  report. This company Meade and Associates is violating Fcdpa and the also Section 524 Title 11 of the Us Bankruptcy Code. This is harming my XXXX  Report and it need to be removed from it being that they havereported on this report after my discharge. This particular account shows like its a new account, The account is due fall off of my XXXX credit report nent year. XX/XX/XXXX. But it was reaged on my XXXX  report.
Consumer complaint received 2020-06-02
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$140.00} XXXX  XXXX {$660.00}
Consumer complaint received 2020-09-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX  1. The high credit or original amount is being reported inaccurately and inconsistently on all my three bureau reoports. How did this happen when the information is from one and the same creditor? All information must be accurate, verifiable and consistent to all 3 credit bureaus. 
XXXX Account Number : XXXX Please investigate what happened and delete this inaccurate information from my credit file. 
2. The account is a collection/charged off account the balance should be XXXX but I am currently looking a balance in the amount of {$4500.00}. How did you validate this? 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

FOR Experian XXXX. The high credit or original amount is being reported inaccurately and inconsistently on all my three bureau reoports. How did this happen when the information is from one and the same creditor? All information must be accurate, verifiable and consistent to all 3 credit bureaus. 
XXXX Account Number : XXXX Please investigate what happened and delete this inaccurate information from my credit file. 
2. The account is a collection/charged off account the balance should be XXXX but I am currently looking a balance in the amount of {$4500.00}. How did you validate this? 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

FOR XXXX  1. The high credit or original amount is being reported inaccurately and inconsistently on all my three bureau reoports. How did this happen when the information is from one and the same creditor? All information must be accurate, verifiable and consistent to all 3 credit bureaus. 
XXXX Account Number : XXXX Please investigate what happened and delete this inaccurate information from my credit file. 
2. The account is a collection/charged off account the balance should be XXXX but I am currently looking a balance in the amount of {$4500.00}. How did you validate this? 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-10-12
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. (DC)

This company is continuously reporting inaccurate information on my credit report. Transunion claims to have reached out to the data-furnish er ( which could only be XXXX XXXX ) in attempt to verify if a payment was made 4 years ago. It's against the law to report transactions and or experiences between a consumer and the person making the report.
Consumer complaint received 2019-08-02
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: BARCLAYS BANK DELAWARE (FL)

This is an extension of Complaint XXXX. After Barclays failed to adequately address my concerns, I discussed with Barclays representatives that i would return the merchandise that was purchased. I was told by XXXX XXXX and two other employees of Barclays that i would receive a full refund of the exact amount I was charged without any exchange rate issue. These people were XXXX id # XXXX, XXXX XXXX id # XXXX and XXXX XXXX. In reliance of these three representatives, I returned the merchandise and was issued two receipts equal to the purchased amount in Euros. No restocking fee at all. However, Barclays, did not give me a full refund. The difference is nearly {$40.00} off from what was charged on my account. I want the full refund of my two charges as represented by these people. I am attaching receipts and screen shots of my account.
Consumer complaint received 2020-12-01
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)

Fraudulent account identity theft XXXX XXXX Open XX/XX/13 Amount XXXX While in coma XX/XX/2013 in hospital unknown person applied for credit card in my name who ever applied for this credit was assuming I was going to die an took advantage of my name social security number while under coma to receive benefits of this credit card while counting my life out
Consumer complaint received 2020-12-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2020-12-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2023-03-25
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. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX USDOE/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-11-02
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (AZ)

I am supposed to be informed per the FCRA before any trade is listed on my file. No paperwork for was provided to me at my CORRECT address nor did I receive phone communication prior to this illegal trade being put on my file.This is illegal and infringes on my rights! This fraudulent charge is hurting my credit report. Remove this fraudulent trade on all CRAs ASAP!
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

We had XXXX accounts with XXXX XXXX XXXX. One was closed in XX/XX/XXXX ( Loan A ) because it was a tied to the home we sold. The other one was a consumer line of credit ( Loan B ). I paid $ XXXX on Loan A after it was closed thinking I was paying loan B, which is the only loan with a balance. Instead of sending the money back to the account I paid out of ( XXXX ) XXXX put the payment into a member savings account. I didn't realize my mistake until I got my XXXX statement. At that time I initiated a payment from that XXXX savings to loan B. They kicked back the payment to the savings account and would not accept it. Again, I didn't realize this until I received my XXXX statement. I then called XXXX and they told me the account had been put on hold for non-payment, even though we had a paper trail of payment trying to be made. We worked with XXXX XXXX at XXXX in XXXX XXXX, CO and after about a month they were able to look further into this and see that in fact we did attempt To make payments. We were sent an email on XX/XX/XXXX saying that they were updating the credit information. XXXX  has been updated, but transition and equites have not. I have disputed this information several times and they are keeping the derogatory information even though we have a letter from XXXX stating otherwise.
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

While using our Capital One credit card for an online purchase on XX/XX/20 the transaction was declined. I called our card company and was transferred to their fraud department. There were two charges in question which I affirmed were made by us, ( i.e. no fraud on the account ). In the verification process, we were required to submit personal information ( last 4 of social security number, date of birth, address ), a text message verification code and photos of the front and back of my state issued drivers license through a secure internet portal. We were notified two days later that the drivers license would not pass the banks verification tests and that our account had been permanently closed. We were further told that we forfeited our cash back rewards totaling {$710.00} that have been accumulating throughout 2020. 

We feel this forfeiture is completely unfair as : 1 ) there was no fraud involved 2 ) we complied with all identity requests 3 ) we did not initiate the account closure My husband spoke with representatives of the fraud department for over 5 hours, offered to provide alternate identification, even offered to appear in person at a bank branch, spoke to their fraud specialists and supervisors. They refuse to tell us the problem with our identification ( can not share their identity verification procedures ) and refuse to provide any additional contact information within the company for us to continue to discuss this issue. They simply made the decision to close our account without any further document requests or contact with us, and state their decision is irreversible.
Consumer complaint received 2020-12-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

To Whom It May Concern : I hope this email finds you in the best of health. My name is XXXX XXXX and the reason you are receiving this email is because of a dispute on how Capital One Auto Finance is reporting a collection debt to XXXX, Acc # XXXX, {$11.00}, XXXX. 

This debt amount is inaccurate. The correct amount owed was {$8.00}, XXXX, Acc # XXXX which was settled and paid with Capital one Auto Finance on XX/XX/2020. 

Capital One Auto Finance already reported the correct amount with XXXX, but they are reporting it incorrectly with XXXX. 

As such, I would like this information to be reflected correctly and updated with XXXX and or removed from XXXX because of the inaccurate reporting. 

Thanks