davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Consumer complaint received 2019-05-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

They call excessively every day from different phone numbers each time, including Saturday and Sunday, and sometimes before XXXX and XXXX. Today, XX/XX/19, they called me at work. I am not allowed to receive personal phone calls at my place of employment.
Consumer complaint received 2018-02-01
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: Experian Information Solutions Inc. (CA)

I am an XXXX XXXX XXXX XXXX currently serving overseas. I recently received a copy of my credit report. The credit report showed the CRAs XXXX, XXXX  and Experian are reporting inaccurate information on my credit profile, even after I have sent them thorough proof, that they are reporting inaccurate info. They have not investigated the accounts properly. All three bureaus are in violation of FCRA Section 623 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( XXXX No. XXXX ). 

I have sent a number of documents proving the following facts. 
I AM an XXXX XXXX XXXX CURRENTLY serving overseas Department of Defense Loan for XXXX has been paid off having a XXXX BALANCE since XX/XX/XXXX but they continue to report it as an unpaid collection XXXX XXXX XXXX is a {$900.00} debt that was created fraudulently. XXXX XXXX claims to have sold the debt, yet the company that the account was sold to REMOVED the account from my credit profile.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Verisk Analytics Inc (MO)

I have disputed the inaccurate Bankruptcy on my Credit Report at all 3 Credit Bureaus and LCI Consumer Center and it continues to report on my credit reports. 

LCI Consumer Center has not responded to my dispute, and the Credit Bureaus continue to report the Bankruptcy that I never filed.
Consumer complaint received 2018-01-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (NY)

I agreed with Sallie Mae to withdraw auto payments from my account so I can get a reduction on my student loan interest. My many months they have failed to withdraw money from my checking account making my student loans higher with accrued interest and fees. I called many times and online it says that Im enrolled in auto debit but they dont withdraw the money making my loans higher in accrued interest and my payments higher to a point that I cant afford it. Every month Sallie Mae is suppose to take an amount of XXXX dollars from my debit card and they dont. Now I have accumulated fees and interest. Im tired of calling them and solving the issue every month. Sallie Mae is affecting my peace of mind and well being with this issue. I want to pay my student loan and I would like to see my student loans being pay off.
Consumer complaint received 2018-01-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc. (VA)

This week AR Resources recorded a opened two open collections accounts backdated to XXXX XXXX for {$39.00} each. The original creditor was XXXX XXXX XXXX of XXXX, MD. This medical bill was paid in full in XXXX XXXX to XXXX XXXX XXXX, and I have proof of payment including both a payment receipt and a payment confirmation number.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (GA)

Experian is not reachable via the phone as I have been trying to reach them now for 2 months. Experian is reporting a collection on my account that has previously been deleted. This is a very old debt from   XXXX   XXXX  . When I contacted   XXXX    over 6 months ago, they advised they were no longer collecting on debt and to disregard as they will no longer be collecting on this debt. I then contacted  XXXX  several times to see where balance and numerous fees came from but each time I was told will research and call me back, but did not.   XXXX   consequently was deleted from my file and appeared again to my surprise  XXXX  on Experian.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX, XXXX, and Transunion credit reporting agencies are reporting inaccurate information in regards to late payment marks and derogatory remarks in comment section on my reports and I need the late marks removed or corrected to paid as agreed because it is affecting me purchasing my home. my rating of 99 % on time payment history has now dropped because of these inconsistencies in reporting. I am also requesting that the credit reporting agencies are consistent in what all 3 report as far as my account behavior is concerned. I file disputes with all 3 reporting agencies to remove all negative and derogatory remarks from my report seeing how I have no collections on record, no past due payments on accounts and no missed payments on my reported accounts. The comments and derogatory remarks listed DO NOT MATCH MY ACTUAL CONSUMER BEHAVIOR please advise them to correct and address the issues at hand because again it is affecting me purchasing my home right now. Thanks in advance concerning these complaints
Consumer complaint received 2017-04-20
Product: Credit card — 
Issue: Application processing delay — 
Company: Bread Financial Holdings, Inc. (PA)

On  X/XX/17   , I went to   XXXX   XXXX   to purchase a couch. I had been planning to purchase said couch with my tax refund, but it had not yet arrived and the couch was temporarily on sale for {$100.00} less. Signs in the  XXXX   XXXX  store were offering no interest credit for 6 months, so I applied for a   XXXX   XXXX   store credit card while physically in the store. Store associates provided me with a laptop to complete the application online. After completing the application online, I was shown a message that I would receive notice of whether or not I was approved in the mail in  5-7  days. I was under the impression that I would be approved immediately. This not being the case, I asked the store to call the company and cancel the application as I no longer had a use for the card. ( I ended up buying the couch with my  XXXX  card. ) The associate was told by the company that there was nothing they could do that evening and for me to call tomorrow. I pho ned Comenity ( the company that administers their card ) t he next da y (   XXXX   ),   and was told they could not cancel the application, to wait until the card was issued, then call and they could reverse everything, including the hard credit inquiry. Today,   XXXX    , I received a letter stating that they needed more information die to the  Patriot Act i n order to complete my application. After being passed from department to department, I was told that they can not cancel the application, but if I do not supply them the requested information in 14 days, the application would stop. However, whether I supply the information or not, they will still be making a hard inquiry into my  credit score. I  feel I was misled from the very beginning and that I should have been able to stop this process long before it reached this point. Furthermore, if they do not have all the information required by the  Patriot Act in   order to give consideration to my credit request, they should not be making inquiries into my  credit score.    XXXX   XXXX   is a great company and I will continue to shop there, but I have serious concerns about Comenity and the other store credit cards that I have under their administration.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I attend here back in XXXX XXXX XXXX XXXX University of Arkansas - XXXX this school was recently change name was XXXX at time I attend classes do not transfer debt owe XXXX XXXX XXXX XXXX this school misrepresent me leading to a false lie about degree These school are rip off
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My purse was stolen from the restroom of the XXXX XXXX station. My ID, SSN card, Debit Card, Library Cards etc were inside. My information was also included in the XXXX data breach. My information is out there on the dark web as a result of this. 
The dates are ranging from 2020 to current. I agreed to work with Law enforcement. I have requested that the false accounts be removed, however these accounts are still present.
Consumer complaint received 2021-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

On XXXX I reviewed my credit card statement from Bank of America and discovered fraudulent charges totaling XXXX. I contacted them on XXXX to report the fraud and a customer service representative indicated that the charges would be reversed pending an investigation. On XXXX I received a letter denying my fraud claim. I then contacted their fraud department asking about how to appeal that decision and was told I would have to contact the retailer XXXX XXXX XXXX that allowed the fraudulent charges and my fraud claim would be kept open. I, twice, by email, requested XXXX XXXX XXXX send me information regarding the fraudulent charges but they refused to give me information. I also sent information to Bank of America by mail indicating that there were fraudulent charges on XXXX. I filed a Identity Theft Report with the Federal Trade Commission on XXXX as well since it was clear that someone was able to use my credit card to initiate an agreement with XXXX XXXX XXXX in my name and continue to order items. As of XXXX I have yet to receive any communication from Bank of America and XXXX XXXX XXXX has refused my request for information. Therefore I am at an impasse and would like some assistance in resolving this issues.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

These accounts are reporting inaccurate on my report XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TransUnion, XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX, TransUnion, XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX
Consumer complaint received 2021-06-30
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. (NJ)

On XXXX I had sent you a letter disputing UNKNOWN accounts and asking for it to be verified or deleted. The 3 Bureaus has failed to respond to my letter. It has been more than 30 days since the last letter and as I understand, the bureaus are obligated to respond to my letter within 15 days but still I did not received any reposnse
Consumer complaint received 2019-10-29
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: AMERICAN EXPRESS COMPANY (WA)

I got an impostor scam. He Sent me a spoofed Email, pretending to be a senior pastor from our Church. He told me to get XXXX cards for XXXX women at our Church. He said that he cant go to stores because he is in a meeting and cant use his cell. He needs give cards immediately and give him cords on the back of the cards. He told me to scratch on the back of the cards to get those cords. He told me to save the actual gift cards. I did all that he told me to do, believing that it is our senior pastor. I gave {$1200.00} worth of XXXX cards cords. At the end of the day, I received another email from a scammer to get {$300.00} more. I found out that it was not our pastor after giving him a phone call. I immediately contacted to my credit card company to ask for help. They have set a dispute. But they told me that I may not be able to get my money back even though they have set a dispute because I actually went to the stores to get those cards and a scammer already got the card cords. 
I asked them to submit a claim to fraud department, but they told me that my case doesnt fit to the regulation, so I couldnt. Basically I have been told that I have to give up and pay. 
I have saved all the Emails from a scammer and ready to submit.
Consumer complaint received 2019-10-29
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: Innovis (AR)

ALL 4 CREDIT BUREAUS ARE FALSELY REPORTING XXXX, XXXX XXXX REMOVED DO TO SOL EXPIRED, ON XX/XX/2019 WAS SOLD TO XXXX XXXX AND OWNS DEBT AND CEASE COLLECTIONS.
Consumer complaint received 2018-02-01
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)

I am an XXXX XXXX XXXX XXXX currently XXXX overseas. I recently received a copy of my credit report. The credit report showed the CRAs XXXX, Equifax and XXXX are reporting inaccurate information on my credit profile, even after I have sent them thorough proof, that they are reporting inaccurate info. They have not investigated the accounts properly. All three bureaus are in violation of FCRA Section 623 XXXX, XXXX XXXX XXXX XXXX US Court of Appeals for the Third Circuit Court Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( D.C. No. XXXX ). 

I have sent a number of documents proving the following facts. 
I AM an XXXX XXXX XXXX CURRENTLY XXXX overseas Department of Defense Loan for XXXX has been paid off having a XXXX BALANCE since XX/XX/XXXX but they continue to report it as an unpaid collection XXXX XXXX XXXX is a {$900.00} debt that was created fraudulently. XXXX XXXX claims to have sold the debt, yet the company that the account was sold to REMOVED the account from my credit profile.
Consumer complaint received 2022-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (TX)

I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to ABSOLUTE RESOLUTIONS INV reporting and dispute with them. They were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this!
Consumer complaint received 2019-10-29
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. (AR)

ALL 4 CREDIT BUREAUS ARE FALSELY REPORTING XXXX, XXXX XXXX REMOVED DO TO SOL EXPIRED, ON XX/XX/2019 WAS SOLD TO XXXX XXXX AND OWNS DEBT AND CEASE COLLECTIONS.
Consumer complaint received 2018-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I applied for a line of credit from XXXX XXXX XXXX XXXX Bank at was declined saying my score was XXXX.But through XXXX XXXX it 's showing over XXXX
Consumer complaint received 2021-06-30
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Transunion ( date issued XXXX file # XXXX ) has violated the FCRA by reinserting XXXX XXXX XXXX XXXX XXXX XXXX back onto my credit report without the 5-day notice. 

I was not notified as a consumer with a written notification within the 5 business days. This is against the FCRA. 

XXXX and XXXX as well
Consumer complaint received 2020-04-03
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. (TX)

XXXX XXXX Account XXXX XXXX  XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX  Account XXXX sent ftc violatons taking more than 30 days
Consumer complaint received 2019-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

i was charged for thing that i didn't do i was still paying the card since my mother had a copy and my wife sometimes used my cards. 
i log in to my account and make payment sometimes because of the annoying and low credit limit on my account and sometimes my kids log in by mistake with face id in my cellphone. 
i didn't authorized or do any of the charges that i reported.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I disputed account number XXXX with all three bureaus in XX/XX/XXXX. In XX/XX/XXXX the item in question was removed for each of my credit reports from all three bureaus. As of XX/XX/XXXX when I last pulled my reports for all three bureaus, it shows that this item was reinserted onto all three reports. As of today, well past the five days in which I noticed the item added back to my report, I have not received notice of reinsertion from any of the three bureaus.
Consumer complaint received 2017-04-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (MI)

I signed up for  XXXX   XXXX   XXXX  tv/internet then a week later got a job offer in another city where I now live, so I cancelled the  XXXX   XXXX   XXXX  service within the first month period.  XXXX   XXXX   XXXX  had a 1 month trial where it is free if you cancel in the first month ... Even though they claim its a free trial the terms require a {$50.00} " fee '' for the services in which I was happy to pay because I received service for the month. Not sure why they are claiming I owe {$100.00} or what it 's even for. I returned all my equipment and called them and was told I was all set ... This is a  XXXX  " bully the little guy '' in hopes the little guy pays instead of spending $ in the wasted time refuting the charge.  XXXX  did the same  XXXX  thing to me when I left them due to being overcharged every month .... The  XXXX  debt collection was removed from my credit report a little while back because they have no basis for a judgement, just like  XXXX   XXXX   XXXX .