davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
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. (MA)

XXXX XXXX  who I have ( had ) an account open with closed my account. It is linked to my XXXX card. There are SEVERAL THINGS seeming off about this - my employment amount and status is secure due to the fact I work for XXXX myself -i opened the account during XXXX time ( early XXXX ) to buy gifts, i passed the credit approval that month -XX/XX/XXXX ( according to the report ) says my credit score was XXXX, WRONG! 
i have multiple documents proving otherwise, and give you full permission to contact ANYONE involved to fix this fraud or mistake, whatever this is. 

XXXX XXXX I applied for a car and my credit score was XXXX ... ..how did my credit score go up 109 points in 11 days, IT DID NOT. 

My current credit score ( before it took the 23 point hit from this account closing ) was XXXX. There is no possible way it is XXXX now and XXXX in XXXX Also if I opened the account a month prior ... ..how did it go up 109 points which i mentioned before. 

Another reasoning was not paying enough on my installment loans, only installment loans I have open our college loans, I am still in college and will be until XXXX. ANOTHER ERROR. 

One of the reasons list as well was no secure loan information on real estate? I do not have real estate I am XXXX. 

I have XX/XX/XXXX and stay ON TOP of my score, it was never XXXX, or even under 600 EVER. There source of information also is transunion WHICH I USE ON MY XX/XX/XXXXAPP, also wrong. Another source I trust for my credit score is my XXXX CC report at the end of the month that tells me my monthly credit report. Also in the 660s for the beginning of this month. 

I opened the account in XXXX but under investigation a month later? how can you get approved then that happens? 

ANOTHER factor, this credit score was taken in XX/XX/XXXX ... ..but my account was closed XX/XX/XXXX. 

Point blank : there is a SERIOUS mix up that needs to be fixed.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (FL)

Jetblue with Barclays has a promotion going on offering XXXX trueblue airline points with Jetblue. The offer is on Jetblues website as well as Barclays.. everywhere says XXXX points for getting the jetblue plus card, and paying the {$99.00} annual fee and spending {$1000.00} within the first XXXX days. I applied on XXXX XX/XX/2022 through the link at jetblue which states XXXX points, and within the month I spent over the {$1000.00} limit and paid the fee. I only received XXXX points by the end of the billing cycle. I called barclays, which is answered by an automatic machine which says anything related to trublue points, to contact jetblue. I clntacted jetblue today XXXX XX/XX/2022 through chat and they stated i need to contact barclays as they would know what promotion offer i applied for. I dont know why would there be another promotion offer as All i saw in both websites jetblue and barclays were the XXXX points. If they had me under another promotion, then means they are luring customers in by advertising in a way and then applying different offers that were not clearly advertised, creating confusion and scaming people. I searched for information online and seems other people have fallen victims of this as well.
Consumer complaint received 2023-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (OR)

Truist bank is NOT reporting the information accurately to the different bureaus. Truist has NOT followed reasonable procedures to assure maximum possible accuracy of the information concerning my credit report. How can they report inaccurate information and different information to each bureau? 

Truist bank did not process the payments as set up on their bank platform. The problems with their banking platform were on the banks end. It was bank error. Truist did not process payments in a timely manner after XXXX. I had to resolve the issue over and over again. I have never had a problem like this before with a bank! 

Please remove the information from my credit report. 

I am very upset.This was bank error. The information is not being reported accurately. 

I have tried talking with Truist to resolve the problem and the bank has been rude and unhelpful. 

Please remove the information being reported to the bureaus.
Consumer complaint received 2024-03-03
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: EQUIFAX, INC. (AL)

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

XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX : XXXX, has violated my rights. 

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 crime which antedates the report by more than seven 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 2023-04-06
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: SUNRISE CREDIT SERVICES, INC (PA)

I received correspondence from Sunrise credit stating I owe them XXXX. I have never had a contract nor heard of this company. I requested a letter of a sign contract with the company and they provided a bill which does not state i entered into a contract with this company at any point and it is now on my credit report.
Consumer complaint received 2023-07-20
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: Great American Finance Co (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ar XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXXXXXX, XXXX ), ( XXXX XXXXXXXX ), ( Great American Finance XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602. A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2021-05-03
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. (MS)

XXXX XXXX XXXX online system was hacked in approximately XX/XX/2018. My login information was changed, then my mailing address was changed and a new card requested in a different state. Subsequent charges were made by a thief. As soon as I became aware I notified XXXX XXXX. For the last two years I have fought XXXX XXXX XXXX, and the collection agency they turned me over to ( XXXX XXXX ) to correct this fraud requested copies of transactions and signatures, and disputed the reporting to my credit report. Now I am being sued for these charges. 
The hacking of their online systems has resulted in 2 years of identity theft issues where this same individual continues to take out accounts that I have to dispute using my personal information.
Consumer complaint received 2022-04-28
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accurate with the fair credit reporting act convergent account # XXXX XXXX XXXX Capital one Acct XXXXnding XXXX and XXXX XXXX bank acting ending XXXX 15 usc 1681 section 602 I have the right to privacy 15 usc 1681 section 604 A ( 2 ) a consumer reporting agency can not Furnish A account without my written instructions. 

15 usc 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

I reached out to XXXX by disputing the account on my credit report for being there over 7 years. They updated the report and said the information was accurate. My Job is with the government and is credit based. XXXX reached out to me for a settlement in the amount of {$1200.00}. I reached out to them on XX/XX/XXXX. The Customer service rep took the final payment of XXXX and indicated this would settle the account. 

Now the account hasnt been updated and remains on my report without payment, and its been over 8 years. 

Please see attached payment for settlement for less the amount owed. Per the letter and words of XXXX I disputed this account on XXXX XXXX for Equifax and they lied about investigating. This account is clearly over 7 years old per FCRA
Consumer complaint received 2022-10-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (RI)

The company is violating my privacy by reporting late payments to the credit bureaus. In XXXX I submitted a complaint to the company about the vehicle, I have drove this vehicle a handful of times. The transmission went 3 times and then the engine. I no longer have their vehicle as it was junked. I never signed MY SIGNATURE on any documents! I have tried to contact the company several times to remove any late payments and lower the amount but instead the only care about adding on fees and charging more money on to the loan. A car that was worth XXXX is now up to XXXX. During XXXX the CARES ACT was provided no company was to report or add on to bills and this company was still adding on late fees and reporting late payments to the credit bureaus when I was not even working and sick. Ive tried to come to SEVERAL AGREEMENTS with the company and so they care about is the vehicle! Im ready to take legal action now because now this has been over 6 years and still adding interest and I have been trying to make payments and yet they do NOTHING to work with people!!!!! I will no longer pay and I will have my attorney fix it unless they are willing to send in to the credit bureaus a letter to fix late payments!!!
Consumer complaint received 2021-05-03
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: MRS BPO, LLC (CO)

I received a text from XXXX MRS Associates. 

This was claiming there was a XXXX wireless matter and they want me to call XXXX. Or visit them at https : XXXX. 

My wireless carrier is NOT XXXX.
Consumer complaint received 2021-05-03
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. (OH)

XXXX, Transunion and XXXX  all show an incorrect balance for XXXX XXXX. This account has had a XXXX balance for more than XXXX  days and is not reflecting on my credit reports which is negatively affecting my credit and I am requesting that it be updated.
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Contacted Agent on XXXX only gave confirmation # XXXX Credit Report has multiple accounts reporting adverse ; however when I call agent can't find accounts listed nor has she been able to remove those acounts. File # XXXX XX/XX/2022.
Consumer complaint received 2021-09-19
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. (OR)

XXXX XXXX  reported a credit card belonging to my ex wife was discharged in XXXX of XXXX. 
It was not. It was discharged in XXXX. 

I have a divorce decree that shows I am not responsible for any accounts that belong to my ex wife and that I was to be removed. 
XXXX XXXX  did not remove me. 

XXXX XXXX  still reports it incorrectly on my credit bureaus and in my name. As well as false information. 

XXXX XXXX  has duplicated the discharge 2 times which is not legal in the first place and incorrect. 
And can not be in in my name per legal documents which they did. 

The XX/XX/XXXX reporting needs to be removed and the card and information needs to be removed off my name. 

Please have them follow all legal avenues and remove the duplicate information as well as off my name.
Consumer complaint received 2019-08-21
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)

Experian is reporting incorrectly a closed account with a balance due of {$2500.00} on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I have never had an account with XXXX. I did not apply for a card and I did not authorize any cards be opened in my name. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this item, however I have not been successful.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXXXXXX a collection company is reporting a balance from XXXXXXXX XXXX for the amount of {$2800.00}. This debt isn't valid and is apart of my loan forgiveness. Please removed this information so my true credit history can be reflected. The company didn't reach out to me and validate th einormation prior to reporting the account I learned about this account ater see it reported on my credit. Please delete this information as it is invalid and outdated. This debt has been forgiven please see attachment.
Consumer complaint received 2023-07-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC (CO)

Acima Leasing Company is similar to XXXX XXXX. They charge a voluminous amount over the value of the items purchased. In XX/XX/2022 I signed a lease agreement with terms of 90 days same as cash for less than {$1000.00}. I couldn't pay it off in time. Then I had to carry the terms of XXXX or so every two weeks with an option to take 25 % off to pay in full every month or so. I am at the end of the term and still have a balance. I have paid them over {$2400.00} since XX/XX/2022.
Consumer complaint received 2022-11-16
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: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2022-04-28
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has 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 719XXXX has me at a score around 590. 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 XXXX i made this clear for 60 days straight with XXXX  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 year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (VA)

I disputed with XXXX XXXXXXXX XXXX  ( XXXX ) about something they reported on my credit report on XX/XX/2020. XXXX never responded back to me and instead got Heartland ECSI to respond on XX/XX/2020, in which they said Heartland ECSI handles these types of things for them. I sent them a letter asking for something bearing my signature, which they did not provide me within the allotted time by the FCRA. I also pointed out to them that they have an account number containing all X 's ( ex ... " xxxxxxxxxxxxxxx '' ), there was no date of last payment, there was no date of first delinquency and that the account needed to b removed immediately. I am not sure who's account number they are reporting as " xxxxxxxxxxxxxxxx ''. That is not complete or accurate information and I am not sure who that account can belong to, but that is how its reported on my credit report. 

Heartland ECSI responded saying that the information was accurate and they also stated that they would report to the CRA that this account was being disputed and they will continue to report it that way until I request they don't. I also sent them another letter, showing them that they also broke the law by not reporting this to the Credit reporting Agency within 30 days like they told me they were. I sent them a credit report dated XX/XX/2020 in which it showed they did not report the account as disputed. I also sent multiple letters to XXXX as well and this is still reported on my report. 

Heartland ECSI and XXXX broke the law multiple times by not reporting accurate and complete information that I could use to verify this account, and they also did not report this to the CRA as being disputed for OVER 4 MONTHS. I have run my credit report almost every week for the last year and 4 months after, they still did not follow the law. They have still not provided me any documents and they have still not given me an account number, date of first delinquency, and everything else I asked for. This account should be deleted and removed IMMEDIATELY as they have broken the law and the FCRA multiple times, even after I have written them multiple letters. My original letter was sent to XXXX XXXXXXXX XXXX and they did not respond until well over 90 days.
Consumer complaint received 2023-07-19
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: Bepensa Capital, Inc. (GA)

I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.
Consumer complaint received 2022-10-14
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (FL)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. States I have 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 1692 section 805 A. States that a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the consumer.