davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-01
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. (CA)

I was made aware of four accounts on my credit report that were opened in my name without my permission. The reason I even checked my credit report today XX/XX/2020 is because I was planning on applying for a personal loan. The accounts were opened with these companies. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I do not have any relationship, written contract or agreement with any of these companies nor did I benefit anything from the accounts that were opened with these companies such as money, goods, services or any other benefit and I did not take part in any purchases or payments that might have been made towards these accounts. have no idea who is responsible for opening these accounts in my name without my authorization but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau. I have filed this report to the best of my knowledge.
Consumer complaint received 2021-03-01
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. (AL)

I have disputed this account and it has not been corrected. The account with XXXX XXXX is still reporting wrong on my credit report. The account is closed. The account has been closed since XX/XX/2019 However, the account payment status is 60 days late. The account payment status CAN NOT be 60 days late on an account that has been closed for a year and a half. The account status is wrong. The account status should be closed. It clearly states closed in the comments.
Consumer complaint received 2020-06-24
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (TX)

There are 2 late payments on our credit for XX/XX/19 and XX/XX/19. This lates occurred due to us being over seas and payment not getting to bank in time. We are now back and currently trying to sell our current home due to covid we are making less money and our trying to sell this home so we can purchase a smaller home that we can afford. With these lates on our report we cant close on a new home which will make us homeless if we cant get these lates removed.
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I want to first and foremost thank Equifax for processing my disputes recently but I am concerned that the investigation was not completed properly. I disputed with them through the United States Post Office and I sent a certified letter to make sure they receive the documents because it contained all of buy personal information. I will link that letter and the receipts here for your convenience and proof.

Unfortunately I can not tell if they processed my disputes because the two old accounts which have not had activity on more than 7 years are still on my file affecting me. These accounts are labeled XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The payments statuses are wrong because it states on the account begging in XXXX that I am currently 120 days or more late and that is not valid because I have zero lates on this account, please check my attachment. This information should be deleted, as should the whole account. Also, on that same account there appears to be statements supposedly made by me and a comment made by me. These are false and I never authorized any comment nor statements. this is concerning and would like to know how and why this is appearing. In other words the account is not valid or verifiable so please just delete it. 

Secondly, I would like to bring to Equifax 's attention that account # XXXX is also wrong and I would like to have it deleted for premium accuracy please. I have no lates on this account as well and I am concerned here as well why it shows up on my XXXX monitoring as a late account in my summary section. 

These two accounts have incorrect and outdated information and they are not registering accurately on my general profile with creditors and this is tremendously damaging for me.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

USAA closed account sent memo that account would close the same day accepting a deposit and now it will take 60 days to release VA XXXX check that was deposited into account. Accepted deposit the same day of closure and will not release funds. There is no balance in checking account.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This communication is to address a serious matter concerning the reporting of information in my consumer file, which I have identified as a result of alleged identity theft. In accordance with 15

U.S. Code 1681c-2, a consumer reporting agency is obligated to block the reporting of such information not later than 4 business days after the date of receipt. However, despite my initial communication, 30 days have elapsed with no action taken, constituting a violation of federal law. The accounts associated with the reported information should not be included in my consumer report, as their presence violates the stipulations set forth in 15 U.S Code 1681b. Subsection ( a ) outlines permissible purposes, and subsection ( c ) ( 2 ) states that any consumer reporting agency can furnish a report only with the written authorization of the consumer to whom it relates. - Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report : This account is in violation of any credit transaction supposed to be
excluded from a consumer credit report if a social security card was used in the transaction.

Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-22
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. (IL)

Despite multiple written requests, the unverified erroneous tradeline listed by XXXX XXXX XXXX  still remain on my credit report in violation of Federal Law. XXXX XXXX XXXX is required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the result of XXXX XXXX XXXX  first investigation and subsequent reinvestigations, they stated in writing that this account in question was verified that this tradeline was being reported correctly! Who verified this accounts? XXXX XXXX XXXX  has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA  XXXX XXXX XXXX  is required to promptly DELETE all information which can not be verified. In XX/XX/XXXX correspondence from XXXX XXXX XXXX  stated that " we are obligated to report accurate information to the consumer reporting agencies ''. In your XX/XX/XXXX letter XXXX XXXX stated that my account had been VERIFIED. In XX/XX/XXXX, I requested the method of how such verification was done and none was provided! I am attaching a letter from XXXX XXXX dated XX/XX/XXXX, in which XXXX XXXX XXXX states clearly on behalf of XXXX XXXX that " we are unable to provide you with a copy of a signed contract ''. Of course, they don't have a signed contract because I NEVER had any debt with your company!
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX has ERRONEOUSLY reported late payments for the months of : XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017 & XX/XX/XXXX. I have contacted XXXX and they confirmed the received of my payment for those months and the late payment remarks have not yet been corrected. Attached please find copies of my payments accepted by XXXX XXXX XXXX
Consumer complaint received 2018-06-22
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: SYNCHRONY FINANCIAL (TX)

Over 6 months ago I got the Paypal 2 % cash back card.

At this point I have made payments of {$4300.00} and should have a minimum of {$86.00} in cash back available to redeem. The Banks website states that I have {$4.00}. Thisis not correct.
Consumer complaint received 2023-01-31
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)

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting 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 XXXX
Consumer complaint received 2021-03-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was taking avenger of by your company which server laws of malpractice under the FCRA being broken which has in fact hurt my ability to apply for credit which has cause me defamation of character and hurt me financially
Consumer complaint received 2018-06-23
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. (MO)

I have tried numerous of times to block the following inquiries from fraudulently reporting on my credit report. My next step after this will to be filing a law suit on the companies as well as the agencies that's reporting the following inquiries, XXXX XXXX ( XX/XX/XXXX ), ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2015-08-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I needed the year of birth corrected on Transunion file. I called the customer service, they directed me to a fax number which is not working, nor ringing, it is always engaged. I complained they asked me to send a letter in writing, they said allow 5 business days for the transaction to process, I am concerned because I 've already sent a letter, but they claim they have no way to acknowledge when they would receive it, simply stating to me that when there processing department does, they will update. I am just frustrated because they are not offering any confirmation when they received my documents XXXX copy of request in writing to update my year of birth including copy of drivers license ) I would be appreciative if you can put pressure, this is affecting me in getting a loan approved. I will attach here what I have sent to Transunion at XXXX. XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2020-09-11
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. (TX)

The XXXX XXXX XXXX XXXX is currently listed on my credit profile. I am not sure what this is but it looks like it may be some type of timeshare. It shows where this account was opened back in XXXX, however I have no knowledge of this account. I submitted an electronic dispute through my credit monitoring service by experian on XX/XX/XXXX. There has been no change to the negative inaccurate posted account. I would like to have this problem resolved in a timely manner.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (GA)

Yes I have been battling with discrepancies on my credit report for almost 2 years and I have not received any help from which I paid for with Experian, XXXX, or XXXX ... There are misspelled name, wrong addresses, phone numbers, ect on my credit report that should have been taken off of and the accounts with them I feel like they have just taken my money and said he will be fine well I need to get results
Consumer complaint received 2017-08-23
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: Experian Information Solutions Inc. (GA)

The bankruptcy was not removed from report. They did not send me verification. The bankruptcy does not include my name or social security number. I was told by a representative over the phone that they would delete it from my report, I was told this XXXX of 2017. Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2020-07-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: URS Holding, LLC (WA)

On Monday, XX/XX/XXXX, I spoke to an agent in regard to my account with the University XXXX XXXX. Even though I do not believe I am responsible for the debt, I have tried to dispute it gets denied. I explained what happened- that I medically withdrew from school and should not have an amount due. 

I decided to speak with an agent to see if we could come to a settlement, but he refused. I asked to dispute it, but he said that it wouldn't matter. I told him I would speak to the University XXXX XXXX, and he said they wouldn't deal with me anymore. I told him I am not responsible for the debt, and he told me they would get my money regardless- that they will take my money from my taxes or garnish my wages if I don't pay. 

I am trying to work with the company but they just will not. 

TOP can be used for delinquent student loans, but not for a delinquent account at a school. - his threatening is illegal and not accurate.
Consumer complaint received 2017-08-23
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. (GA)

The bankruptcy was not removed from report. They did not send me verification. The bankruptcy does not include my name or social security number. I was told by a representative over the phone that they would delete it from my report, I was told this XXXX of 2017. Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.
Consumer complaint received 2021-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC (NY)

I opened my acct on XXXX. XXXX with Gemini it is a bitcoin acct. My acct is still pending. I would like my acct approved or denied. I deposited a total of {$500.00} and my money is simply in limbo.I contacted them several times regarding the status of my acct and i was sent a generic email wit no definitive answer. I am very disappointed and frustrated with there customer service, I would recommend them to no one
Consumer complaint received 2020-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (TX)

Friday, XX/XX/2020, I received an email from Barclay for my frontier airlines credit card. It was a statement for the annual fee. I tried calling there customer service line to cancel this line of credit with Barclay, No answer, i was left on hold for 2 hours and I eventually hung up because I have my life to attend to. I've always had this problem with Barclay, customer service is SO poor. On top of that, I cant even get online to pay the card because I cant login. I've actually never logged in because I've never made an actual online account. I've tried to login with my usual logins but nothing. The forgot my password service doesn't let you receive a new password unless you have account number, which I cant see unless i look at my card statements which are online. I feel Like I'm just stuck with this company.
Consumer complaint received 2018-06-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

XX/XX/XXXX {$950.00} XX/XX/XXXX {$590.00} XX/XX/XXXX {$850.00} And another {$40.00} charge, not sure of the date. 


Have no idea of these ER visits. I'm a victim of identity theft and have been battling since XX/XX/XXXX.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

They sent me an alert saying one of my accounts was reported late. When I finished reading all my alerts and went back to read it again they were gone. I DID NOT DELETE ANY ALERTS BUT THEY DID WITHOUT MY PERMISSION. 

I HAVE NO LATE ACCOUNTS SINCE XXXX 

I tried to call them at the number given on their website but no-one answered the phone. This is the phone number I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Collections U.S.A., L.L.C. (WV)

They 've been calling constantly all day long for weeks now. When I 've answered the phone, they either hang up or just breath into the phone. I had to block the number. I XXXX the number and saw that it 's Credit Collections U.S.A., who have ALOT of complaints against them. I have NO debts. If they 're calling about my ex wife, we 've been divorced over 15 years and I 'm not responsible.
Consumer complaint received 2021-03-01
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: U.S. BANCORP (MN)

I had purchased a XXXX from XXXX in to be shipped to my house. My card was charged the {$430.00} on XX/XX/XXXX. As of XXXX the company had still not gotten the item to me in working order. It was delivered broken I tried to initiate a return on 4 occasions and each time the return was cancelled and no one picked up the item each time I was given multiple and conflicting stories about what actually happened. I finally voiced my concern that they were only delaying the process to get beyond a return window to deny the return. I informed them I would contact my bank US bank and card to dispute the charges. I completed the process and XXXX sent them false information about never having received a return. on or about XX/XX/2021 I was called and told the reversal of charges was going to be reversed and that XXXX said I could return the item. I asked for documentation of that and US bank sent me a copy of a fax that stated something to that affect. I then tried to initiate a return again with XXXX which as I predicted was denied because it was beyond the due date. US bank is no longer Returning my calls or emails. I sent them Screen shots from my computer documenting everything I said. I followed all the steps to dispute a charge and I am left without my money and without a tv. I was basically robbed by XXXX with the assistance of US Bank.