davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX Bank reported late charges in XX/XX/XXXX for XXXX and XX/XX/XXXX and XX/XX/XXXX for XXXX and XX/XX/XXXX. Both times this was due to issue with XXXX. In both cases XXXX removed an incorrect charge, and then the late fees assessed by XXXX  were appropriately removed. As such my record continues to show NO payment made by me to XXXX since XX/XX/XXXX, and my balance paid in full since such date, with NO current balance, NOTHING due by me, etc I disputed the XX/XX/XXXX and it was removed from my credit reports ; then I disputed the XX/XX/XXXX and it was removed but the previously removed XXXX re-appeared!! I disputed that and then the XX/XX/XXXX re-appeared and remained the XXXX one showing!! What kind of sick game is XXXX and the credit bureaus playing with peoples lives here???! I have perfect payment history ; No late fees ; no late payments ; accounts paid in full. Incorrect charges and therefore inappropriately assessed late fees were removed. WHY am I being penalized for that???
Consumer complaint received 2022-01-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.
Consumer complaint received 2020-10-19
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. (AL)

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and Transunion has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : XXXX
Consumer complaint received 2020-01-23
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. (TX)

XX/XX/XXXX To Whom it may concern, ATTN Fraud Department : Remove fraudulent accounts from my credit report Dear Sir or Madam : I was recently a victim of identity theft. I filed a report with the credit bureaus and also with the FTC and my local police department. These fraudulent accounts appearing in my credit report were deleted. But I woke up this morning to find out that an additional new collections account was placed in my credit report. This account wasnt on there at the time I filed my FTC report and contacted the credit bureaus. It looks like this is one of the fraudulent accounts that was just sold to another collections company. This account is fraudulent, and I dont know where it is coming from. I have never received any services from this company. Please delete and block. There are also some fraudulent inquiries still appearing in my report. I HAVE ATTACHED A SUPPLEMENTAL FTC AFFIDAVIT WITH THE SUPPLEMENTAL INFORMATION HIGHLIGHTED. Thanks Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX XX/XX/XXXX Please Remove and block this information from my credit report, pursuant to  section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Yours Sincerely, XXXX XXXX
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (FL)

I am submitting a CFPB complaint to report an alarming incident of identity theft. Upon receiving my credit report, I was astounded to discover multiple accounts that I did not initiate or have any knowledge of. It is imperative that you take immediate action to remove these fraudulent accounts as per the FCRA Section 605b which mandates Credit Reporting Agencies to delete any information listed on an ID Theft Report. I have attached relevant documents to support the blocking of the erroneous information being posted on my report. Kindly provide prompt assistance in resolving this issue. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$8000.00} 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. Rest assured that I did not initiate or authorize anyone to open these accounts on my behalf. It is essential to note that FCRA Section 605B ( a ) clearly states that Credit Reporting Agencies must block any information in a consumer 's file identified as resulting from identity theft not later than four business days after receipt. I expect you to take immediate action to adhere to the FCRA regulations and promptly block the identified fraudulent information from my credit report.
Consumer complaint received 2021-02-26
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: American First Finance, Inc. (GA)

Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and requests to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my XXXX XXXX by reporting fraudulent accounts, this constitutes the crime of defamation. I sent XXXX XXXX XXXX a request to block a fraudulent account that is being reported on my credit report. The account in question was not opened by me nor did I benefit from it being opened, it was opened as a result of identity theft. The request was sent via certified mail recorded delivery.
Consumer complaint received 2020-01-23
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. (FL)

I am a consumer in pursuant to 15 USC1692A3 XXXX, XXXX, and is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX XXXX nor transunion  nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. In pursuant to Title 31 U.S.C.  Sec. 3123 ALL DEBTS ARE UNITED STATES OBLIGATIONS! XXXX XXXX XXXX {$18000.00} IS IN VIOLATION of federal law in attempt to collect a debt they are also violation of The false Claims Act ( FCA ), 31 USC 3729-3733
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

My capital one account is showing 30 days past due on my account which is incorrect. My most recent payment was on XX/XX/XXXX for the amount of {$65.00}. And the payment isn't due again until XX/XX/XXXX. I have never made a single late payment on this account, and it is showing as closed, past due and decreased my credit score by 113 points.
Consumer complaint received 2020-10-19
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: Bread Financial Holdings, Inc. (OR)

On XX/XX/XXXX I purchased airfare through XXXX for XXXX XXXX using my Comenity credit card - 2 roundtrip flights and I was charged twice each {$830.00} and {$490.00}. On XX/XX/XXXX I had logged onto the XXXX website and noticed that they had cancelled those flights, but had not contacted me ( they never did actually ). On that day I went on live chat with an XXXX rep who confirmed that I was to receive a refund to the credit card I used and sent an email confirmation. After 5 weeks ( around XXXX ) I sent a dispute to my credit card company because I felt that 5+ weeks was sufficient to issue my refund ( I included a copy of the email confirmation ). The credit card company did nothing for several weeks. So after 8 weeks of waiting ( the longest XXXX claimed it could take ) in XXXX I sent another dispute to Comenity including the email again. In XXXX I noticed that they finally issued a provisional credit for all 4 charges. They do not put in the actual dates in their system so I'm not sure when, but by XXXX. When I logged in XX/XX/XXXX I noticed that I had been re-charged all 4 charges again. They never requested additional documentation, but I had already provided evidence that XXXX acknowledges they are to refund me. I then called and was asked if I could once again send a copy of the email confirming I am to be refunded, which I did that day. I also included a follow-up chat where XXXX claimed they tried to issue the refunds on XX/XX/XXXX but encountered some unknown problem ( this was in XXXX ). In the meantime I do not even have the provisional credit on my card and it seems that Comenity is doing nothing to protect me. As of today, XX/XX/XXXX, I'm still getting the same line of we're " working on it '' from XXXX. Comenity isn't protecting me against fraud at all at this point. I've proven repeatedly that I'm due the refund according to the DOT federal regulations. Comenity can't even explain to me why they would charge me again. And now I have a payment due, but I should actually have a credit on my account with these refunds.
Consumer complaint received 2020-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Neon Newco Corporation (NY)

I received an unsolicited credit/debit card from Brinks Money. XXXX XXXX XXXX, XXXX, TX XXXX. 

I do not know how this company got my personal information.
Consumer complaint received 2020-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NC)

I recently refinanced my mortgage with Loan Depot closing at the end of XX/XX/XXXX. During the origination process LoanDepot required that I raise my flood insurance coverage to {$200000.00} and handled this update to coverage themselves. This was fine given the new loan amount and the flood policy was updated, or so I thought. Since I closed on the mortgage it has not been transferred and has remained under control of loan depot mortgage servicing. In early XXXX both myself and loanDepot were mailed a Flood insurance Expiration notice with the renewal premium of {$360.00} that was previously updated by Loan Depot to was due. Payment never ended up being sent from my escrow account by LoanDepot and on XX/XX/XXXX the insurance company reached out and notified me that it had not been paid. I checked my escrow activity and noticed it had not been sent either. I initially reached out to LoanDepot an re-provided all documentation they already had on file as they were the ones who originally increased the insurance amount. After several days of back and forth and even getting the insurance company themselves directly involved loandepot finally sent over the payment from my escrow account on XX/XX/XXXX. I received an email from the Insurance company this past Friday XX/XX/XXXX notifying me that they sent {$15.00} less than the total premium and only sent {$340.00} instead of {$360.00}. They let me know that if funds are not received by LoanDepot by XX/XX/XXXX that my policy will have to be redone and the premium will increase substantially due to how long the policy has been in place. I have tried unsuccessfully to get LoanDepot to do anything about this since Friday and am going to just remit the {$15.00} myself to ensure my policy stays in tact. I want to see what further action can be taken against LoanDepot in this matter as they could care less to let someones policy lapse and do not properly manage escrow accounts.
Consumer complaint received 2020-10-19
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. (AL)

This is my 3rd time trying to fix the errors of this alleged account. I wrote XXXX letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : XXXX
Consumer complaint received 2020-01-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: General Motors Financial Company, Inc. (GA)

on XX/XX/XXXX, I checked my credit report and there was a message on the credit report that said : settlement agreement for less than amount owed. 
I never spoke to GM Financial about a settlement yet they are reporting a settlement on my credit report. This is a debt that has reached its statue of limitations on collection of this debt and has been written of as bad debt and charged off. This has brought my credit score down significantly. The amount of this debt is XXXX. The account was reported on XX/XX/XXXX
Consumer complaint received 2020-01-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: JPMORGAN CHASE & CO. (SC)

I had a account with jp chase Morgan bank a vehicle loan. I had to volunteer repo on the vehicle bcuz I couldn't pay for the vehicle anymore. I lost my job. The vehicle was in perfect condition when I returned it. This is tarnishing my credit report by saying I owe XXXX XXXX more dollars on the car I turned in. Please help bring this charge off my credit report.
Consumer complaint received 2022-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Outsource Group, Inc (MA)

MediCredit was sent {$1100.00} in medical debt from XXXX XXXX XXXX on XX/XX/2021. I contacted XXXX XXXX XXXX and was told my account was closed, and to speak with MediCredit. 

I sent a letter via certified mail questioning the validity of the debt, and requested all documents pertaining to the debt on XXXX XXXX, XXXX, within the 30 day period of notification. 

MediCredit did not respond to my claim within 30 days of receipt, and as such, the debt should be declared invalid. 

I was sent an additional letter from XXXX dated for XX/XX/2021, attempting to collect the debt. Im unsure of my recourse here - I will be sending an additional debt validation letter to XXXX, but the debt should have already been considered void.
Consumer complaint received 2021-11-09
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. (GA)

Hello, i leased a vehicle with XXXX XXXX and made all the payments as agreed in our contract. Covid19 hit when it was time to turn the car in and i had a XXXX XXXX at home so i couldn't come in contact with anyone because no one knew what was going on with this new pandemic. I offer for them to come pick up the car and they came 8 months later. Now they're showing on my credit that i had a repossession when i made all 38 payments on time.
Consumer complaint received 2019-11-14
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)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2018-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DC)

I continued to send Porfolio Recovery requests for validation and verification but to know avail. This is not my debt and i have never had an account with XXXX XXXX XXXX XXXX. This is a fraudulent account that Portfolio Recovery knows this but continue to report this false information on my report. Now they are calling me and demanding for payment
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-03
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. (IL)

The bureaus not following the laws. They have not provided me with my investigation results.. I sent out several disputes in regards to my credit concerns and they have not complied ... Please help me remove my credit concerns off my credit report..
Consumer complaint received 2019-08-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery is a creditor company that says I owe three different quantities, {$1400.00}, {$1300.00}, and {$540.00}. I have previously contacted them stating that the amounts they are trying to collect are not correct and have even tried to settle the accounts by making agreeing to make small payments. They agreed to settle my accounts and lowering the amount, however, the amount did not go down after making two payments. Now I've been not only harassed by an outrageous amount of calls, but my family and friends have also received calls from this creditor. Now it has escalated to them threatening to sue and garnish my wages and have also shared my credit information with other fraudulent companies threatening to sue in their name.
Consumer complaint received 2019-11-14
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. (TX)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I asked the credit bureaus to do a thorough research of my credit reports and they did and stated that everything was accurate and then I did a thorough research myself and I found inaccuracies on my report even after they did their research. In accordance with the Fair Credit Reporting Act 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  has violated my rights. 15U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions