davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-14
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. (NY)

Filed dispute with Experian on XX/XX/2019. 

Dispute was denied on XX/XX/2019 and still shows on Experian as an active debt/collection. I have no knowledge of this account. The account may be appearing on my credit report but may actually belong to my father who shares the same exact name as myself.
Consumer complaint received 2017-12-22
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)

Company posted a 30 day late on a card that was used with out knowledge, never received any bill, company admitted the mistake in address on the phone changed the address and now is saying they made no mistake. They also took longer than 6 months to get back to me and now every complaint is met with a phone call saying they will look into and get back to me .... the last one was months ago. I still havent heard back from them. Company made a mistake but seems to be ok with putting it off as if I will let them get away with it.
Consumer complaint received 2017-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MI)

I am a father of XXXX little girls ( not as little as I hoped they would stay : ), I own or run 4 XXXX XXXX and between my XXXX and personal finances have about 20 different accounts to pay each month not including my 30 plus employees, numerous vendors and services. I am old fashioned when it comes to organization of my bills. Meaning, I rely on statements via USPS. All my accounts are set up to mail me statements or invoices. 

XXXX 2015 Citibank reported me 30 days late, I am disputing the 30 day late reporting as inaccurate and requesting it be properly updated. I have had this account for nearly 5 years and always paid timely. I have all my statements mailed to me because this is what I use as my reminder. 
However, somehow when I set up my online account or responded to a citibank email. My account statement option was switched to paperless, i did not knowingly do this. 

I called Citibank earlier this year, they confirmed the paperless option was recently opted into. I had them opt me back out and thought the late payment reporting was being removed, It has not. 
Could you please remove that late payment from my credit reports.
Consumer complaint received 2022-04-27
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. (TX)

XXXX and Equifax are reporting the same account twice from the original creditor and collection agency. " Double Jeopardy '' is a violation of the FRCA and I am entitled to monies for damages by XXXX and Equifax. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-17
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. (SC)

I filed all the proper documentation and reports regarding my identity theft situation and Equifax has not notified me of the investigation. Nothing has changed on my Equifax report or anything. Those accounts are killing my credit score.
Consumer complaint received 2021-12-02
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. (MO)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2023-03-29
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. (CA)

I received a late payment from XXXX XXXX XXXX because the lady I spoke to didnt speak English very well and we had a misunderstanding. I was calling during the peak of Covid and called to do a payment deferral. I thought the deferral was submitted but I didnt understand the lady had told me I had to sign something that she emailed me and return it. So not knowing I was supposed to sign the paperwork she emailed I received a late payment. I sent XXXX a letter explaining everything now Experian is reporting different late payments on the Experian website it says I was late XX/XX/XXXX. Its reporting late XX/XX/XXXX on XXXX XXXX Since its not reporting accurately Id request that all late payments from XXXX be removed from my credit report with all 3 credit bureaus. Thank you in advance.
Consumer complaint received 2021-12-02
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX Mortgage is reporting me being late 30-60 days late in XXXX and XXXX of XXXX. 
I was in Forbearance from XXXX XXXX XXXX. 
My last payment to XXXX which was the previous company now Bankrupt was XX/XX/XXXX. 
In XX/XX/XXXX I made a payment to XXXX XXXX Mortgage. 
My forbearance with XXXX XXXX started in XX/XX/XXXX. 
I was never late on my mortgage. 
In XX/XX/XXXX I contacted XXXX XXXX and notified them business was picking up and I wanted to come off of forbearance. 
I made my XXXX trial payments on time in XXXX, XXXX and XX/XX/XXXX. 
In XXXX I signed the loan modification agreement. 
XXXX Mortgage took my XX/XX/XXXX payment and XX/XX/XXXX and applied them to XX/XX/XXXX which I already paid to XXXX in XX/XX/XXXX as the bank statements show. 
Cares Act states consumers can not be reported as late up to XX/XX/XXXX. I made my payment in XXXX as agreed. 
At this point I do not understand what payment was late? 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Webcollex, LLC (NC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

To Delete any and all accounts that do not have Verifiable physical proof including the ones below : CKS Financial CKS Account ID : XXXX Balance : {$17000.00} Current Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX of XXXX XXXXXXXX XXXX  Original Account Number Ending In : XXXX
Consumer complaint received 2017-12-20
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: General Service Bureau, Inc. (IA)

XXXX Account Number XXXX I have disputed this alleged " debt '' of {$810.00} ( which I absolutely do not owe ), in writing, and in response to repeated phone calls, since XXXX 2017. XXXX does not acknowledge I dispute the debt and just keep calling. I have told them I do not owe it and will not pay it. I have contact XXXX XXXX XXXX ( creditor ) several times, as well as my insurance company ( XXXX XXXX XXXX XXXX XXXX ), at least 10 times, telling them the " debt '' is a result of THEIR mistake in processing the claim, and that I will not pay it. It 's bad faith, and it 's harassment.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was reviewing my credit report and noticed there is a hard inquiry from a company called XXXX XXXX dated XXXX/XXXX/2022
Consumer complaint received 2021-05-06
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)

I will included attachments of my report I sent in about 20days ago. I have not heard from any of the credit bureaus about the police report I filled. My information was used with my knowledge! XXXX, Experian, and XXXX  have not been removing the inaccurate accounts on my reports, which is hindering my progression financially and the progression of my family. I have sent 4 different disputes letters with barley any results. I called all bureaus numerus times with the past three months tryint to get this resolved. I finally had to file a police report.
Consumer complaint received 2021-03-30
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: TOYOTA MOTOR CREDIT CORPORATION (PA)

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, PA, XXXX As a consumer I am exercising my right to ask that you please in writing, define using Federal Law what exactly is a late payment and why it is reporting on my consumer report. If this is what looks like a consumer credit transaction which means it was already paid for once a credit card ( social security card ) was used in order to obtain this alleged vehicle. Then why are there late payments present on my consumer report? Please show proof of these alleged late payments. If your company is unable to provide the information that is asked for then I am requesting as a consumer and the original creditor that the remedy for the violation of having inaccurate information on my consumer report be : Deletion from all consumer reports. 

Thank you.
Consumer complaint received 2021-05-06
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. (FL)

I will included attachments of my report I sent in about 20days ago. I have not heard from any of the credit bureaus about the police report I filled. My information was used with my knowledge! XXXX, XXXX, and Equifax have not been removing the inaccurate accounts on my reports, which is hindering my progression financially and the progression of my family. I have sent 4 different disputes letters with barley any results. I called all bureaus numerus times with the past three months tryint to get this resolved. I finally had to file a police report.
Consumer complaint received 2018-07-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Revenue Enterprises, LLC (KS)

I received a call from ( XXXX ) XXXX on XX/XX/18 at XXXX then again on XX/XX/18 at XXXX. I pick up the phone and it is an automated message telling me they are calling from something Revenue LLC and are attempting to collect a debt. They give me this number to call them back. The first time I did not answer and they did not leave a voicemail.
Consumer complaint received 2019-08-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (FL)

I received an email from this company that I could not open. I sent email to medical coordinator at a doctor office. On my first time at the doctors office I signed documents but none of them was this company, XXXX XXXX. Their contract was signed by the coordinator and not me. I never consent, agreed, or even seen any part of their contract until about one year later when Monterey Collections provided me a copy. Their contract was signed st the doctors office on a day I was not there. This means it was signed by the office and not me. I never signed or agree with this company loan.
Consumer complaint received 2021-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had issues making payments on the following dates XX/XX/XXXX, XXXX XXXX XXXX, XXXX & XX/XX/XXXX, XX/XX/XXXX, XXXX - XX/XX/XXXX due to payments not going through when I had them on auto-bill. They never notified me of this rejection and gave me these late payments. I can not get a mortgage because of this negative history on this credit card. I reached out to the company and they will not help me with this unfair solution.
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX XXXX and XX/XX/2021 I sent letters to the credit bureau 's to notify them that I am a victim of identity theft and there were some names and addresses reporting on my credit report that does not belong to me as of today XX/XX/2021 these inaccurate fraudulent addresses remain on my credit report and I am interested in your assistance in having my credit report updated to reflect accurate information.
Consumer complaint received 2021-05-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Chapter XXXX Bankruptcy Case Number : XXXX 2. XXXX Date of inquiry : XX/XX/XXXX 3. XXXX Date of inquiry : XX/XX/XXXX 4. XXXX Date of inquiry : XX/XX/XXXX 5. XXXX XXXX of inquiry : XX/XX/XXXX 6. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX 8. XXXX XXXX Date of inquiry : XX/XX/XXXX 9. XXXX Date of inquiry : XX/XX/XXXX 10. XXXX XXXX of inquiry : XX/XX/XXXX 11. XXXX Date of inquiry : XX/XX/XXXX 12. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 13. XXXX XXXX of inquiry : XX/XX/XXXX 14. XXXX XXXX of inquiry : XX/XX/XXXX 15. XXXX XXXX  Date of inquiry : XX/XX/XXXX 16. XXXX XXXX Date of inquiry : XX/XX/XXXX 17. XXXX XXXX of inquiry : XX/XX/XXXX 18. XXXX XXXX Date of inquiry : XX/XX/XXXX 19. XXXX Date of inquiry : XX/XX/XXXX 20. XXXX Date of inquiry : XX/XX/XXXX 21. XXXX XXXX F Date of inquiry : XX/XX/XXXX 22. XXXX XXXX  Date of inquiry : XX/XX/XXXX 23. XXXX XXXX Date of inquiry : XX/XX/XXXX 24. XXXX Date of inquiry : XX/XX/XXXX 25. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-04-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (AZ)

This was not sent in error XXXX XXXX XXXX consumer by law at XXXX XXXX XXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate XXXX XXXXXXXX XXXX. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Consumer complaint received 2021-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

We moved to Florida 3 years ago. Weve banked with a local bank, XXXX for over 10 years. They are in XXXX and have no branches in Florida. In XXXX I opened an account with fifth third hoping to transfer my banking to them. I have written multiple checks from the XXXX account into the fifth third account, one for {$4000.00} and one for {$5000.00}. Neither of those were held and the funds were available the next day. Over this past weekend I deposited a check for {$4000.00} as Ive done in the past and wrote a check for our rent on Monday for {$3200.00}. I noticed on Tuesday that the funds from the deposit were not available. I contacted fifth third and they told me they were on hold until XX/XX/XXXX! 10 days! They didnt notify me in any way. I called my local branch and spoke with XXXX. She said she would contact them and for me to send her copies of the canceled checks from the previous deposits. Not only did I send her those but I also sent her a snapshot of my XXXX bank statement showing that the {$4000.00} check from the weekend had already cleared my XXXX account. I also chatted with fifth third who arrogantly told me that the funds would be available XX/XX/XXXX and theres nothing that I could do. In addition, XXXX told me the same thing. They put the {$4000.00} deposit on hold with NO notification. They had not notified me, they had not alerted me in my online app, they had not emailed me, nothing. No communication at all that they were holding my {$4000.00} deposit from my personal account in XXXX to them for 10 days! They just put the funds on hold. So on Tuesday I sold stock in my investment account, took a capital game, and wired the money into the fifth third account. Subsequently they charge me a {$15.00} wire fee and bounced the {$3200.00} check! This was done on purpose as I have a 24 hour negative balance correction policy. These are the most arrogant people Ive ever dealt with. They were zero help in my funds as of tonight are still on hold. I left a message for a manager at fifth third today who didnt even give me the courtesy of a returned call.
Consumer complaint received 2021-12-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

XXXX XXXX and I use Venmo to work with each other on bills. 

An emergency happened here and she transferred me XXXX dollars to help me here. 

Now Venmo has locked my account and is keeping XXXX dollars I need to pay bills. 

I contacted them. They want me to doenload an app that wont download to my phone. They wont accept information from my secure VPN based land system. 

I still owe that money to cards and that money belong to XXXX or Me. Not venmo. At this point I condiser this theft. They might have locked my account, but they can give they money back to XXXX. They wont do that either. 

Back to fraud and theft.
Consumer complaint received 2021-09-23
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. (CT)

I have an account and personal account information on my account that isnt mine. Ive tried to dispute it- I have even had it removed, paid to have it removed and its back on two out of three credit reports. I am on my second social security number because of ID theft and another person with same name And birthday in a different state- her info has shown up on my report for YEARS! I also can not contact the XXXX XXXX which Im trying to dispute. Because i cant confirm the adress and ssn. Doesnt match up with mine.
Consumer complaint received 2020-09-07
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: Phoenix Financial Services LLC (TX)

On XX/XX/2020 Phoenix Financial Services LLC added a derogatory remark on my credit report per XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Phoenix Financial Services LLC has violated my rights as a consumer and I'm requesting legal actin to remove this account immediately.
Consumer complaint received 2019-11-17
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. (CA)

Tried to contact credit bureaus about this issue I have with this company on my credit report, its showing different montly balances, and different account balances. I want this account removed from my report ASAP!
Consumer complaint received 2022-04-27
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: Harley Davidson Financial Services Inc (TX)

FRCA Violation credit line XXXX XXXX XXXX XXXX XXXX FRCA Violation collection XXXX XXXX XXXX XXXX XXXX FRCA Violation address and names XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX