davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-22
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: Consumer Portfolio Services, Inc. (CA)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

CONSUMER PORTFOLIO S Inquiry : XXXX XXXX, 2020 double times with same dates. 

XXXX Inquiry : XXXX. XXXX, 2020
Consumer complaint received 2017-09-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NC)

CITI closed my new BrandSource credit card without prior warning. The account was in good standing, never a late payment and fairly new. They said they closed it due to too many credit inquiries, which I do n't see how that is any of their business. This bank has the right to close account of course, but how they are doing it is unfair to consumers. They should provide a few days notice at least so you are n't caught off guard with a rejected card in public.They should not be allowed to do business this way. I performed a search online to see if this has been happening to others and found several complaints going back many years. If there is anything you can do to make them change this practice, it would help consumers. We deserve a little advance notice. It 's so unfair.
Consumer complaint received 2022-09-09
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: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX Balance {$920.00} XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00}
Consumer complaint received 2022-09-09
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX Balance {$920.00} XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00}
Consumer complaint received 2021-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX is reporting a collection in my name that isn't mine to both TransUnion, XXXX and XXXX. I have a common name and it seems someone with the same name has a defaulted account that is showing up on my credit report in error. I demand this gets removed right away. I have never defaulted on any accounts. I am trying to refinance my house and my credit scores are 100 points less than they should be due to this reporting issue. I have attached my identity documents to prove that this was never my account as well as my credit report profile data. All my previous addresses are valid for me. Over the past 12 years, I have never received mail at any other addresses.
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My credit card was in good standing for 24 years. I never had a late or missing payment. The yearly {$75.00} fee for the card came due but my checking account was not linked to the card for reasons I do not understand - I had linked it before and had a small deposit in my account to verify the account. I never received notice that my yearly fee was past due until XX/XX/XXXX - 5 days after the account was closed by Bank of America ( the payment reminder was dated XX/XX/XXXX ). I never received emails stating a payment was missed either. As a result my longest credit card was cancelled and my credit score was reduced by XXXX points from XXXX to XXXX.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WV)

I filed Chapter XXXX bankruptcy and is now showing closed with a missed payment. Called the mortgage company because the mortgage was never on the bankruptcy. 

They said they are showing on their end all payments on time and mortgage/ account still open. Filed a complaint through the expiren XXXX XXXX and they reported back that the organization they get their reporting through is correct. 

Want to fix this disconnect so I can get my credit reporting correctly and fair
Consumer complaint received 2022-03-11
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 XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2021-08-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

( Attaching documentation and proof of the > 30 day response time/lack of furnishing to me an updated credit report, as required by the FCRA ) Was examining my XXXX  credit report and notice a number of collection agent accounts that are unenforceable/not legal debts ( pursuant to the reasons I listed in my correspondence with XXXX. ) The results of my efforts : -No investigation was waged -No updated credit report/fact finding were mailed to me -The trade lines were not removed/still on my credit report This situation violated both the FCRA and FDCPA , on multiple points.
Consumer complaint received 2022-09-09
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. (GA)

was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reportingXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 2. there is some inaccurate information reporting. Account XXXX : XXXX Please remove it from my credit report. 3. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 6. there is some inaccurate information reporting. XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2018-01-10
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: Resurgent Capital Services L.P. (NJ)

XXXX XXXX refuse to remove these fraudulent trade lines from My credit report XXXX refuses to remove both XXXX account for {$410.00} and {$420.00} also XXXX refuses to remove these 2 new accounts XXXX XXXX and XXXX XXXX as well and also XXXX refuses to remove XXXX and XXXX card I have a police report they will not remove it and fcra by law states you must remove these fraudlant accounts within 4 days
Consumer complaint received 2018-01-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (CA)

Transaction initiated on XX/XX/XXXXXXXX in the amount of {$3700.00} from Coin Base to XXXX account, Still in pending status, this should have taken about 30 minutes and now it is 36 hours. Contacted support and got no response. This may be fraudulent.
Consumer complaint received 2021-08-05
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. (FL)

In XX/XX/2021 I accepted a pay to delete agreement from XXXXXXXX XXXX. I paid the requested amount for the account in full. All three credit bureaus refuse to delete the XXXX account from my credit report, they only updated. I have enclosed a copy of the letter from XXXX XXXXXXXX XXXXXXXX ( XXXX )
Consumer complaint received 2021-04-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE LAST XX/XX/2021 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 43 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I attempted to instate a credit freeze with XXXX, XXXX, and TransUnion. All attempts failed beginning at XXXX PST. It looks  like I will have to either call in the middle of the night, or do this by mail. 

Why do I have to pay {$10.00} to anyone to freeze my credit, when it was the negligence of the companies as well as lax data security policies that put 140,000,000 US citizens at risk of identity theft? 

The fact that it is n't easier to secure my identity in this situation is frustrating and infuriating. This process should be almost automatic, not reactionary. 

I want companies like XXXX, XXXX, and TransUnion to have to ASK my permission to use my identity information.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2021-08-05
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/2021 I accepted a pay to delete agreement from XXXX XXXX. I paid the requested amount for the account in full. All three credit bureaus refuse to delete the XXXX account from my credit report, they only updated. I have enclosed a copy of the letter from XXXX XXXX XXXX  ( XXXX )
Consumer complaint received 2017-09-01
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: SYNCHRONY FINANCIAL (TX)

I do not recognize nor did I authorize the following inquiries to be made : XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-10-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IL)

My Student Loan Lender " Navient '' has been not helpful with my several requests to lower my payments or settle on my debt. I have been going through financial hardships after my mother passed away, dealing with house payments, mortgage, helping the family etc and I really am unable to pay more than {$200.00} a month for my student loans. Navient has been unwilling to work with me to resolve this issue. My rate is very high as well and I am accumulating %. Please help
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN and DOB in order for it to appear in your credit file. The Credit Bureaus has not updated the information and per the new law true Bankruptcy listed and all files under my public records does not include the information and should be deleted from my credit report
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I 've spent 4 hours trying to freeze my credit with Trans union. There 's not a free way to do it with them anymore. The representative on the phone told me to call back and enter my credit card information into their automated system in order to manage my credit. I 'm so infuriated since freezing my credit with them is impossible since equifax poorly handled my most private information. I do n't know what to do about this.
Consumer complaint received 2017-11-11
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 (MD)

Credit accounts were open in my name between XX/XX/XXXXand XXXX. These accounts were capital one, XXXX, XXXX, XXXX,, anything on my credit report was fraudently open.. at the time I was only XXXX. My birthday is XXXX.. I never authorized this, so therefore it needs to be deleted
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (WA)

I contact Midland funding LLC about my 2 accounts with them ( XXXX XXXX  and XXXX XXXX XXXX  ). Midland Funding LLC assigned my two accounts with them to XXXX, XXXX XXXX XXXX XXXX. I contact XXXX, XXXX XXXX XXXX XXXX to settle the said two accounts. They informed me that there is a third account under my name. I asked them who is the creditor, they said it is from XXXX XXXX  that was sold to XXXX XXXX add XXXX XXXX assigned the account to them to collect. 
That XXXX XXXX  account had been settled and paid long time ago. 
XXXX, XXXX XXXX XXXX XXXX is not helpful when I tried to explain to them that it was settled and I gave them the confirmation # that the account is settled. They insist that all three account should be paid. 
I do not know how to handle this situation. I just want to settle what I owe and not what i already paid.
Consumer complaint received 2017-09-24
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. (TX)

XXXX XXXX is reporting a credit line without any legal authority. They are reporting this fraudulent criet to harass me and adversely effect my credit rating. XXXX had maintained they were transferred this account from XXXX XXXX XXXX. At the time the account was allegedly transferred, XXXX XXXX XXXX did not show any activity after XX/XX/XXXX. However, once transferred to XXXX in XX/XX/XXXX, they started their account history in XX/XX/XXXX with a 120 day delinquency. XXXX  has maintained they would report this account adversely due to the pending lawsuit against their predecessor, XXXX XXXX XXXX.
OnXX/XX/XXXX XXXX XXXX XXXX admitted the Rescission Deed they filed inXX/XX/XXXXwas invalid and ineffective. Therefore they had no loan to transfer to XXXX to collect. However, this credit line should be deleted from my credit report.
On XX/XX/XXXX, the Court declared the Rescission Deed was invalid as well. XXXX is reporting false information to the bureaus and they are aware of the most recent decision by the Court, ad they are conspiring with XXXX XXXX XXXX creating a fraud against the Court 's, CFPB, and the credit reports. I 've attached a letter from XXXX dated XX/XX/XXXX, letter from XXXX XXXX XXXX 's attorney, XXXX XXXX Stipulation of Facts from XXXX XXXX and the Court 's order. I 'm demanding XXXX delete this credit line if XXXX ca n't prove they are legally required to report it.
Consumer complaint received 2017-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MI)

Seems that Discovery believes that because I live in Michigan they do not have to follow the XX/XX/XXXX and XX/XX/XXXX federal court orders! I was told by them if I did not pay their illegal charges and their Illegal transfers of funds from one of their cards to the other and back that they would take my home and put me in prison<
Also When I ask about why I was not paid accordant to the XX/XX/XXXX court order that I was not a card holder! BUT now that they are taking me to court for not paying what I do not owe them I am!
Consumer complaint received 2021-08-04
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: Experian Information Solutions Inc. (NC)

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2018-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

Today, XXXX/XXXX/XXXX, I received notification through my credit monitoring company that Commonwealth financial listed a collection report for XXXX. I have never heard of this company before ( nor have I ever heard from them regarding debt ), and they do not list what the debt is for. However, after further investigation, I noticed that this collection agency is not licensed in the state of Florida to attempt to collect debt. This must be removed from my credit report immediately. 

Collection Agency COMMONWEALTH FINANCIAL Address XXXX XXXX XXXX, XXXX XXXX, PA Business Type Collection Services
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

For months I 've had an account with XXXX XXXX, which XXXX and XXXX have been reporting. TransUnion still has failed to report it on my credit report, even though XXXX XXXX keeps sending them the information. Please take care of this error of not reporting this information. Thank you.
Consumer complaint received 2018-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Continental Credit, LLC (PA)

I had 1 late payment with XXXX XXXX Bank XXXX years ago. My credit score is now a XXXX+. I have not had a late payment since with any institution and my credit score has done nothing but go up since this incident. They WILL NOT remove this derogatory mark on my credit score. This is the only thing holding me back from having perfect credit! I haven done nothing but prove to them that I have been in good credit standing with all institutions, yet they REFUSE to make a change on this. 

I worked with a company ( XXXX XXXX ) and paid them thousands of dollars to have this removed. Yet the company did a lot of good work for me, they were unsuccessful at accomplishing this.
Consumer complaint received 2016-12-31
Product: Credit card — 
Issue: Billing disputes — 
Company: Alliance One, Inc. (CA)

I received a letter from This debt Collector Alliance One from an account I do n't owe it shows the amount owe is $ XXXX.At this time I would like to dispute the validation of this alleged Debt because I do n't recognize it, I would like to ask the CFPB to get in this dispute to assist me with my Consumer Rights if in any way has been violated.