davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

My account is now handled by the Equifax Consumer Affairs and I would like for it to be REMOVED. They are rude, inconsiderate and just blatantly hang up on you because I ca n't pull m info anymore. This is N OT HOW you t reat consumers!! I would like for my account to be removed ASAP! I ca n't pull my score for free or reports anymore something has happened and this was months after they started handling my account. I should be able to monitor my report and not call a rude  XXXX  department
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-09
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : o XXXX XXXX XXXX XXXX  XXXX Balance {$360.00} o XXXX XXXX Balance {$0.00} o XXXX XXXXXXXX XXXX Balance {$0.00}
Consumer complaint received 2021-06-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AmeriCash Holding LLC (IL)

Ive gotten multiple calls from XXXX ( XXXX XXXX XXXX looking for a XXXX XXXX. Ive told them multiple times that I am not her and please remove me. They have not.
Consumer complaint received 2017-06-09
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (TX)

On   XXXX    , I received an alert from  XXXX  credit monitoring about an new collection account added to my credit file.   On   XXXX    , I contacted the listed collection agency on my credit file for the complete account number of the said account. On that same date, I wrote the collection agency a letter requesting validation of the debt. Attached to this complaint is a copy of that letter.   I have also received confirmation from the  USPS tha t the certified mail was successfully delivered to Midwest Recovery Systems.   On  X/X/17    I called Midwest Recovery Systems again and they either hanged up the phone on me or transferred my call from  one agent to the next.    On  X/X/17   , I sent a fax to both  XXXX  and  XXXX  of the letter of validation that was mailed to  MRS .    After receipt of my request to validate the deb t, Midwest Recover  y System continu es to report this debt to both  XXXX  and  XXXX .
Consumer complaint received 2017-06-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I called JP Morgan and  chase  on  XXXX / XXXX / 2017  where they mysteriously told me that my account is closed and they can do it anytime at their discretion which is true but if they had closed the account I called in on  XXXX / XXXX / 2017  to send in a wire of {$220000.00} as I work for an international company and it 's on record they gave the account details including the  XXXX   code  and all whereas they could 've simply told me the account is closed. They have even blocked my funds amounting to {$9300.00} without my approval. I would request urgent assistance as these are the only funds I have access to.
Consumer complaint received 2021-06-09
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: DISCOVER BANK (NY)

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2018 This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

3. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

4. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.
Consumer complaint received 2017-06-09
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: First Data Corporation (IN)

We h ave Business ch ecking with  XXXX . Every month were charged a {$43.00} lease payment for the  XXXX   XXXX . However this device is in operable. We 've reached out to  XXXX    XXXX   XXXX  , along with First data who has been almost impossible to get through to.
Consumer complaint received 2017-06-09
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. (HI)

I demand to verify the accounts you listed wrong status in my report - I have never paid them late :   XXXX   XXXX   XXXX   -  XXXX    XXXX   XXXX    XXXX    XXXX / XXXX   -  XXXX
Consumer complaint received 2017-06-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have been contacted several times in the last week by Portfolio Recovery regarding a supposed debt with XXXX. Most recently was XXXX @ XXXX. I was also contacted XXXX at XXXX and XXXX @ XXXX. I have asked the company to stop calling me at this time because my boyfriend XXXX XXXX Thursday XXXX and I was trying to deal with that right now. They advised me they would NOT stop and " I do n't know what to tell you ''.
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I demand to verify the accounts you listed wrong status in my report - I have never paid them late :  XXXX   XXXX    XXXX   -  XXXX   XXXX   XXXX   XXXX   XXXX  -  XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting 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. (CA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2017-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (MI)

Hello, On  XX/XX/XXXX  2017 I paid my minimum payment on my Target Store Card account. Then in an attempt to avoid interest on  XX/XX/XXXX 2017, I made a payment of {$120.00} to cover the remaining balance using a new checking account via Target 's website. I was unable to copy and paste my account number as Target 's website would not permit me to do so, but I was able to copy and paste my routing number. Today ( XX/XX/XXXX  2017 ) upon checking my bank account I noticed that the funds for my Target card were not withdrawn. So, I checked my target card and noticed there was a return payment fee of {$27.00}. I immediately called the number located on my Target card and was informed that my check had returned " unable to locate the account. '' I asked to have this fee waved and the representative refused. I then asked for a supervisor and was transferred only to be disconnected. I called back and spoke with  XXXX  who sounded helpful and she waved my interest fee as she said it was a mistake on Target 's part and I should not have been charged, but she could n't wave the return check fee. I asked for a supervisor and she transferred me to  XXXX  employee ID  XXXX . I explained the situation to  XXXX  and she also refused to wave the fee or transfer me to another supervisor ( she said no one would help me ). My check was NOT returned for insufficient funds. Target was probably not charged any fee for this returned check. I had previously made my minimum payment and was just making an extra payment to cover the statement balance. I believe that this fee is unjust and should not be charged.
Consumer complaint received 2016-10-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (PA)

XXXX took over my original loan and since then have been trying to foreclose on my mortgage. I 've never missed a payment and when I call them they are ver abusive. When I asked them if I 'm being descriminate against they said yes and the reason is because in XXXX 2011 I filed for bankruptcy. I 've been served for closing papers twice and I 've had strips of papers left on my door saying that an inspector was there to see if anyone lived in the property. I hope you can help me fast. Thanks.
Consumer complaint received 2019-03-02
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. (GA)

The credit bureau is in violation of the FCRA. In accordance with the FCRA the collection agency must report the original date of delinquency and this date is not allowed to change by law. In a effort to re age the account the collection agency has changed the original date of delinquency to XX/XX/2012  which inaccurate. The original date of delinquency was prior to that. The collection agency has failed to provide myself or any other entity with documentation showing the original date of delinquency. They have also failed to provide any record of payments on this account. Since no payment was made on this account the original date of delinquency would be 30 days from the date the account was first registered. If we use the logic that the date of delinquency was in fact XX/XX/2012 XXXX must provide proof that the first delinquency was XX/XX/2012 and it was only 30 days late. I demand that a someone from the credit bureau investigated my credit file. XXXX is stating the account is accurate but by their own logic this debt is not valid.
Consumer complaint received 2017-06-09
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. (IL)

Please pull the phone records for a conversation that took place approximatelyXX/XX/XXXX between myself and a XXXX customer service agent. I had received a statement saying I owed a very high payment. My understanding was you do n't have to pay until 6 months after graduation. So I called in because I had graduated only 3 months prior. The representative told me that I was correct and that XXXX starts sending statements nearly right away and I could ignore them until my 6 months grace period was up. After following the directions given to me by the XXXX customer service agent on approximately XX/XX/XXXX I waited another 3 months in " grace period '' and it goes by and all of the sudden XXXX XXXX notifies me that approximately 45 late payments were posted to my credit report. 1 for every sub-loan account on record with XXXX, and for every month, for 3 months in a row totaling to approximately 45 late payments. Even if it was true and I was late I would 've been late paying one payment per month not one separately for every single sub-loan account with XXXX! 45 late payments is malicious and has indescribably made my life a living XXXX. I 've been rejected to buy a house, I ca n't get a decent rate on my car loan, and basically my credit score has been brought down to the XXXX 's solely due to XXXX 's customer service giving me misinformation and their false reporting of every single sub account as separate payments when in reality you only make 1 payment not 15 separate payments to separate sub-accounts! I have submitted disputes directly with XXXX 3 times detailing my story and never once have I been able to state my case to a human. I send it in and the system rejects it and then I have appealed it every time as well and the appeals have been rejected too. I have called in and talked to customer service representatives who have confirmed that this has been a problem with many others and they told me to keep submitting more disputes ; which I have to no avail. I have also hired XXXX XXXX which I have been paying {$100.00} a month for, for over 2 years and they have filed many, many disputes with all 3 reporting agencies against these XXXX false reporting s. All of this time, money, and energy has been to no avail. This is ruining my life. I graduated and I got a good career and I have had my XXXX student loans set to Autopay ( never missed or late ever ) and yet I am be rejected for a home mortgage and can not move forward in life. Please help me consumer financial protection bureau! Please do n't let them just ruin my life!
Consumer complaint received 2017-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

please refer to complaint # XXXX. XXXX admitted fraudulent use of my identity regarding the XXXX XXXX application ; I was told in writing that the fraudulent inquiries would be removed from the 3 CBs ; not only the inquiries were not deleted, but, there was an additional unauthorized inquiry by XXXX dated XXXX/XXXX/2017. What 's going on? Why is XXXX keep doing this ; who in the credit department is using my identity. There is fraud here and needs to stop immediately and the fraudster in the credit department arrested!!!!!!!!!!!
Consumer complaint received 2017-06-22
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: EQUIFAX, INC. (CO)

XXXX has been notified six times of the error regarding XXXX XXXX/XXXX and the fact that they are reporting obsolete and outdated information. <P/>XXXX XXXX/XXXX is an account that is more than 7 years old and it should be eliminated from the section of " accounts that may be considered negative. <P/>I just received a credit report today where they changed the status of this account to reflect the following statement : Account charged off {$1400.00}. Past due as of XXXX XXXX. This was on report XXXX. <P/>They have now re-aged this account because prior to this new credit report the account status stated the following : This account is scheduled to continue on record until XXXX XXXX. This was on report XXXX They can not arbitrarily changed the age of this account. They have made a serious error and I want this account removed. I sent them information from the original creditor showing the ledger of payments to prove that this account went into default by being past due in XX/XX/XXXX. I want this account removed immediately. <P/>AGAIN, XXXX CAN NOT RE-AGE AN ACCOUNT. IT MUST BE DELETED. I WANT THIS ACCOUNT DELETED FROM MY CREDIT REPORT IMMEDIATELY!!!!!
Consumer complaint received 2022-09-07
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: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Request for Investigation of Unauthorized Credit Inquiry Dear to whom this may concern, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized credit inquiry had been made. I am not aware of the inquiry sources name nor who conducted the inquiry, and I am asking for them to remove their credit inquiry from my credit report. I request that you investigate the inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note : This is on there twice with two different addresses. Was informed it was a soft inquiry not a hard inquiry conducted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note : Was informed it was a soft inquiry not a hard inquiry conducted. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 



Thank you for your assistance in this matter, XXXX XXXX
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please pull the phone records for a conversation that took place approximately   XXXX   XXXX   XXXX   between myself and a   XXXX    customer service agent. I had received a statement saying I owed a very high payment. My understanding was you do n't have to pay until 6 months after graduation. So I called in because I had graduated only 3 months prior. The representative told me that I was correct and that   XXXX   starts sending statements nearly right away and I could ignore them until my 6 months grace period was up. After following the directions given to me by the  XXXX  customer service agent on approximately   XXXX   XXXX   XXXX    I w aited another 3 months in " grace period '' and it goes by and all of the sudden   XXXX   XXXX    notifies me that approximately 45 late payments were posted to my credit report. 1 for every sub-loan account on record with  XXXX , and for every month, for 3 months in a row totaling to approximately 45 late payments. Even if it was true and I was late I would 've been late paying one payment per month not one separately for every single sub-loan account with  XXXX ! 45 late payments is malicious and has indescribably made my life a living  XXXX . I 've been rejected to buy a house, I ca n't get a decent rate on my car loan, and basically my credit score has been brought down to the 590 's solely due to   XXXX   XXXX   customer service giving me misinformation and their false reporting of every single sub account as separate payments when in reality you only make 1 payment not 15 separate payments to separate sub-accounts! I have submitted disputes directly with  XXXX  3 times detailing my story and never once have I been able to state my case to a human. I send it in and the system rejects it and then I have appealed it every time as well and the appeals have been rejected too. I have called in and talked to customer service representatives who have confirmed that this has been a problem with many others and they told me to keep submitting more disputes ; which I have to no avail. I have also hired   XXXX   XXXX   which I have been paying {$100.00} a month for, for over 2 years and they have filed many, many disputes with all   XXXX    reporting agencies against these  XXXX  false reporting s. All of this time, money, and energy has been to no avail. This is ruining my life. I graduated and I got a good career and I have had my   XXXX    student loans set to Autopay ( never missed or late ever ) and yet I am be rejected for a home mortgage and can not move forward in life. Please help me consumer financial protection bureau! Please do n't let them just ruin my life!
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (AZ)

XX/XX/XXXX - XXXX reported me being late 30 days for a payment that they had extended to the end of my loan due to the settlement I was going through with XXXX XXXX XXXX XXXX.
<P/> XX/XX/XXXX XXXX  reports FICO score dropped XXXX points same day as XXXX 30 day late report hit the bureau.
<P/> XX/XX/XXXX XXXX Credit Limit decrease ( never been late or slow on any payments and paid more than minimum amount ) XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Limit Decrease ( never been late or slow on any payments and paid more than minimum amount ) XX/XX/XXXX CBNA Credit Limit Decrease ( never been late or slow on any payments and paid more than minimum amount ) You see the affects of have a company 's false report affect someones accounts. I have never had any kind of late payment, slow payment, or missed payment on any account I have.
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Why are companies not being held accountable. They should be fined if they falsely report information and damage consumers credit. I now can not get my credit lines put back to where they are so it puts my utilization through the roof.
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Please help me. I do n't have money to go and hire a credit lawyer or anything like that.
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I have statements from XXXX showing that my account is in good standing and that it is paid off but they will not update my report.
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How can the damage that was done be fixed. All I get from the bureaus is that I need to rebuild my credit and let it take time, but i did n't do anything wrong. What is the remedy for this?