davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2018-03-06
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Business Corporation (AL)

I lost my job two years ago and took advantage of the Alabama Hardest HIt program where they will pay your mortgage for one year. I was assured in a three-way phone conversation by both Hardest Hit Alabama rep and SWBC rep who works with these types of programs that this would not negatively effect my credit. I was concerned when i first went through the application payment because the end of the month would come and they hadn't paid it so I would pay it to keep it current and they told me to stop paying it, late payments under these programs would not be reported to my credit. This fall, the Hardest Hit program made three late payments, I believe on over 60 days late and two over 30 days late. This was reported on my credit and now my score has dropped drastically and I am having my credit card companies cancel cards on me. I filed a dispute with the credit agency, who told me I had to also file one with the mortgage company, which I did via a letter and also email. I received a letter from them last week assuring me it was under investigation. Yesterday, XX/XX/XXXX, I received a second letter from SWBC stating that the found the information to be accurate and are not going to fix this. This puts me in great jeopardy as I have started a business and my money is tied up and until it becomes liquid, I am dependent on credit cards - which I have always made my payments to all of them, mortgage included ON TIME!!! Please help me! I'm going under! My retirement is at stake here! Please help!!!
Consumer complaint received 2018-03-06
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. (DE)

There were 2 items placed on my cbr that are not mine. I share the same name as my mother who recently filed a chapter XXXX bankruptsy so I believe these creditors put her information on my cbr out of frustration. I verified with my mother that these items also showed on her cbr.. And she advised they did. And they both show as a chapter XXXX bk. I disputed the items XXXX XXXX XXXX and XXXX XXXX and advised them. Of this information. The dispute results finally came back and experian advised that they were both updated.. They remained ... So I called experian and the rep could not tell me anything about the dispute. I know for certain tht these are my mothers so I asked what kind of proof did they provide validating that these debts were mine? Rep advised they did not and do not need to provide proof and that they just notified them stating debt was mine. I find that absurd. The representative then said he did not show the XXXX XXXX dispute and that it was never disputed. I was appalled and advised him that I had received emails from them advising of the disputed items being completed and that i also had the email confirmations whsn i first placed the items in dispute. The rep then miraculously saw that XXXX XXXX was disputes..but told me it was. Still showing on my cbr And that there were no notes so that must mean that they verified the debt. Could not tell me a thing concerning that dispute and had no proof or notes and yet they have decided that these 2 debts that are not mine and are already being reported to someone elses cbr as well are to remain. I find this unjust and plan on taking legal action if need be. Asked rep for supervisor, he advised they would tell me the same thing..placed me on hold for over 30 mins and never returned when I decided to end call.
Consumer complaint received 2022-08-17
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. (DC)

To Whom This May Concern, After checking my credit report there are a number of listed inquires that I have not applied for listed on my account. Please assist XXXX XXXX XXXX Credit Bureau XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2023-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rozlin Financial Group, Inc. (NE)

I received a letter from RFGI stating that I owe money to them for XXXX 

I have not been a customer of XXXX for some time and cancelled my subscription. RFGI has not provided any proof this debt.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (VA)

Please reinstate my SSN as alive. It is : XXXX. It has been listing me as deceased. I am very much alive. My XXXX XX/XX/1986. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2020-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent TransUnion my written dispute letter on XX/XX/2020. The letter was sent certified with tracking in which it shows that they received it on XX/XX/2020 ( Tracking # : XXXX ). Today XX/XX/2020, it has been a total of 45 days without a response from them. I sent TransUnion another letter on XX/XX/2020, for the nonresponse. I don't know why it's taking them this long when XXXX  and XXXX  both responded back to me within the 30 days.
Consumer complaint received 2018-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gurstel Law Firm, P.C. (MN)

My pay was garnished by Gurstel law firm on behalf of XXXX XXXX for the full amount of money I owed on a debt from XX/XX/2012. I was out on XXXX during the garnishment period and this money was paid from my XXXX XXXX  XXXX benefits. While I am relieved to complete payments on a debt I rightfully owe, the original creditor is still reporting my account as unpaid on my credit reports. 

I have tried contacting the bank customer service with no success. I also disputed the account with the credit bureaus but they are verifying the debt as accurate. I did not receive a garnishment release although they stopped taking my pay.
Consumer complaint received 2020-06-04
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XX/XX/2020, I was notified by Capital One & XXXX  that a hard inquiry was placed on my credit report to open a new line of credit with Capital One in Michigan - a state I have never even visited or resided. This inquiry was flagged as potentially fraudulent & I was immediately notified. I responded to the messages, confirmed my identity to XXXX and Capital One, fraud alerts were placed on all 3 credit reports, and Capital One denied the application as fraud. 

XXXX immediately removed this hard pull from my account, but Capital One failed to remove the fraudulent hard pull from XXXX & XXXX. 

Since these are hard pulls, they negatively impact my credit score.
Consumer complaint received 2019-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (NC)

Once a month I have received three blank " Superchecks '' from Wells Fargo ( my primary checking/credit card company. Because I do not with to receive blank checks in the mail that are attached to my credit card, I have reached out to the bank to have them stop mailing me these. Each time the bank has acknowledged the request to stop marketing materials, and stated that it will cease next billing cycle. 

But each month since XXXX, I have continued to receive the unwanted checks. I live in an area where my neighbors and I continually receive each others mail, and as such I have no desire to have Wells Fargo making it easy for someone to commit fraud against my account. 

As my repeated attempt to have this resolved have gone no-where, can you please engage with them to ensure they are following the law/procedure regarding financial marketing. 

Best, XXXX
Consumer complaint received 2023-06-06
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. (SC)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-04-06
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. (CA)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hello. my information was stolen from me as evidenced by my credit report and score I never needed my credit so I never paid attention to it. Now when I am about to purchase a house, I saw all the negative accounts on my credit report. I contacted the federal trade commission and have attached all my documents the federal trade commission told me to do
Consumer complaint received 2018-03-06
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. (FL)

In XX/XX/XXXX the credit bureaus adopted a new policy : tax liens and judgments will be removed from credit reports if they do not include the proper information identifying them to the individual. 

On XX/XX/XXXX I sent a letter to all three credit bureaus requesting that the following judgement be removed from my credit report due to the adopted new policy. 

XXXX XXXX Account # XXXX TransUnion XXXX the judgement and then added XXXX XXXX to my credit report as a collections account. According to Florida State Statute 95.11 ( a ) ( b ), a debt is no longer legally collectible after five years, thus making this debt no longer legally collectible. 

In XX/XX/XXXX, I was denied credit and requested a free copy of my credit report from all three credit bureaus. 

In XX/XX/XXXX, I received my free TransUnion credit report. I mailed a certified letter to dispute the XXXX XXXX collections and several other accounts that are listed on my credit report. 

XX/XX/XXXX, I received the results of TransUnions investigation. TransUnion stated that XXXX XXXX was Verified as Accurate and Updated. When I received my updated FICO score in XX/XX/XXXX, I noticed a 21 point drop in my FICO score. When I inquired as to why there was a significant drop in my score, the report states Presence of serious delinquency and public record or collection. 

Prior to me disputing the accounts on my credit report. My FICO score history was as follows : XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  According to the free TransUnion report I received in XX/XX/XXXX, Portfolio Recovery was showing on my credit report as a collections account and my score at said time was XXXX. However, after I disputed the XXXX XXXX my score dropped 21 points because of the presence of serious delinquency and public record or collection account appearing on my credit report. 

This leads me to believe that when TransUnion verified and updated my credit report, they reported the debt as new, which is called re-aging. This being the reason why my FICO score dropped 21 points. 

A creditor or collection agency that deliberately changes the date of a debt for the purposes of making it show up on my credit history or appear to be within the statue of limitations is breaking the law. 


Uploaded : Letter of Dispute XX/XX/XXXX credit report XX/XX/XXXX credit report XXXX FICO score report TransUnion XXXX FICO score report
Consumer complaint received 2018-02-15
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Resurgent Capital Services L.P. (DC)

reply : i received an e-mail from XXXX an advertise on sale we have an men 18 '' ct gold ring for sale for a {$30.00} dwn pmt so i gave it a thought so i said o.k. also with 8 diamonds it looked so real so i took the ring to have it tested by a jewler and it was a fake piece of metal with gold coating on it so my next stept was to advise customer services about my service? it was a charge from my credit card whitch i never received in return so at this point i'am fileing a dispute fraud charge thank you
Consumer complaint received 2022-11-19
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. (GA)

After apply for a loan, I noticed my credit score was extremely low. Once I checked my report i found out that my identity was stolen and I do not understand how they stole my information. Please Help. I have a fraud XXXX  Account I have a Fraud XXXX  XXXX Account I have several inquires on my report that i did not authorize.
Consumer complaint received 2022-05-02
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. (LA)

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX  XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX Balance : {$7500.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2022-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After apply for a loan, I noticed my credit score was extremely low. Once I checked my report i found out that my identity was stolen and I do not understand how they stole my information. Please Help. I have a fraud XXXX Account I have a Fraud XXXX  XXXX Account I have several inquires on my report that i did not authorize.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-02-28
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. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and DELETION because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2020-07-13
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: JPMORGAN CHASE & CO. (IL)

I'm currently in a dispute with XXXX  and XXXX for deleting my XXXX XXXX credit card accounts from my file without my permission, by starting internal disputes of their own with my creditor and then deleting the account without my knowledge. Then I certified mailed them letters last month stating that I did not give anyone permission to view my account on XX/XX/19 by JPMCB or XX/XX/19 from XXXX/XXXX. About 2 weeks later I received a response from one of the bureaus saying that the inquiries will not be removed and to contact the creditor. I've certified mailed the two creditors informing them that these inquiries were not authorized, but the creditor has yet to remove them. These unauthorized inquiries are dragging down my credit score. I'm having enough problems trying to keep the credit bureaus from deleting positive accounts from my credit profile and beating down my score even more.
Consumer complaint received 2020-12-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: VW Credit, Inc (SC)

We traded in our XXXX in early XXXX. We received a letter from Volkswagen Credit XXXX XX/XX/2020 stating our loan had been paid off. On XX/XX/XXXX, we saw we had a pending payment to Volkswagen Credit for the loan that was already paid off. We called Volkswagen Credit immediately and were told that the payment would have to go through. They would refund the money in two weeks. I said that since the money should never have been taken out in the first place, it should be refunded immediately. The woman said that would happen. Today, XX/XX/XXXX, I called again to check on the status of the payment. Nothing had been done. A second woman said she would request the payment be XXXX XXXX  and we should see it be the end of next week. I asked that we receive the money on Tuesday since this money should never have been taken out of our account. 

Volkswagen made two errors. The first was not terminating the automatic payments on a timely basis. I would think that would have been done that when the paid off letter was sent to us, XX/XX/XXXX. The second one was not refunding us our money on a more timely basis since the money should never have been taken from our account in the first place. 

Volkswagen Credit should have the letter sent to us along with recorded calls.
Consumer complaint received 2023-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I can not find the expiration date for the promotional XXXX % interest balance transfer ' I have with this credit card. The date that the promotional period expires is not on the monthly statement, nor can I find it anywhere on the website.
Consumer complaint received 2022-05-02
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: Experian Information Solutions Inc. (GA)

Experian, XXXX, XXXX XX/XX/XXXX, I sent my XXXX and last dispute to all 3 bureaus via certified letters regarding information that is illegal according to the law- XXXX. There's MULTIPLE information ( false collections, paid acct 's showing contrary, false addresses, misspelling of my name, etc ) from companies that I've NEVER given permission to use my name, signature, etc to report to these 3 bureau 's. There's no contract with my signature to report from any of the information from as early as XXXX on back ; on my behalf. Today 's date is XX/XX/XXXX & there are OVER 56 inquiries & multiple false reports that I've constantly disputed to all three bureaus to no relief nor change! One great example is a 10+ year OLD closed bankruptcy that's FRESHLY reporting AS OPEN!