davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-12
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: EQUIFAX, INC. (VA)

* My complaint is with XXXX XXXX XXXX for filing a negative post to my credit report and never letting me know that they had purchased this dispute. I have filed a dispute with XXXX on XX/XX/XXXX. Complaint about negative posting on XXXX Credit report from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MI XXXX. Phone XXXX. See copy of credit report below. This negative posting was opened XXXX according to the information of the credit report with a Balance of {$220.00} on XX/XX/XXXX. The credit report notes that this is On record until XX/XX/XXXX I received no prior notice via US mail or phone call or voice mail from XXXX XXXX XXXX before this was placed on my credit report. This dispute started in XX/XX/XXXX due to incorrect medical insurance coding on the part of XXXX XXXX XXXX XXXX XXXX my insurance provider at the time. I was advised me not pay any invoices until the coding was corrected. The next billing statement from XXXX was in XX/XX/XXXX and still incorrect. See copy of letter dated XX/XX/XXXX. The XX/XX/XXXX bill was still incorrect and I called XXXX and XXXX billing on XX/XX/XXXX. See copy of invoice and notes of call. XXXX told me I did not owe anything on this account with XXXX and that their insurance coding was still incorrect.
Consumer complaint received 2017-06-12
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: SYNCHRONY FINANCIAL (NY)

Paid off my  America  eagle and   XXXX   XXXX   XXXX   XXXX   credit cards over  three  yrs, and it still showing up in my credit report.also someone is trying to get credit with my name
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

MY BANKRUPTCY SHOWS THAT IT WILL COME OFF MY RECORD ON XXXX MY BANKRUPTCY STARTED IN XXXX SO IT SHOULD BE DISCHARGED XXXX AND ALSO IT SHOWS 2 SEPERATE BK ON MY REPORT AND ALSO I PAID ALL DEBTORS OF BECAUSE MY BANKRUPTCY BACKFIRED
Consumer complaint received 2017-08-25
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Immediate Credit Recovery (MI)

On XXXX/XXXX/XXXX at roughly XXXX PM I was contacted by XXXX XXXX XXXX and was told to verify who I was by my last four of my Social Security number. I asked for the name of the company that was calling me and was told I could n't get that information until after I had verified the last four. I refused to give that information out and the representative proceeded to state my Social Security number. 

I told him I wanted to speak to his manager. I get his manager, XXXX XXXX, and was repeatedly talked over and yelled at all the while trying to get their address. He refused to give it to me. I did verify that the company 's phone number was XXXX XXXX XXXX XXXX. I then asked to speak to his manager. 

I was transferred to a colleague of his, XXXX XXXX, and I asked for their address. XXXX XXXX repeatedly talked over me and would n't answer the question unless I verified my last four of my Social Security. He kept refusing to answer the question and hung up on me when I asked to speak to his manager.
Consumer complaint received 2021-03-28
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. (CA)

I closed this account in XX/XX/XXXX after multiple refusals to allow me to change my payment method. There only was I was allowed to make payments on my loan was via my closed XXXX  XXXX XXXX account. 

As of XX/XX/XXXX, they have continued to change information making it worse for my credit every time. 

I feel I should not have negative credit impact for an account I attempted to pay and was not allowed to. I've disputed this with all 3 credit agencies and they just take the company 's word over mine. 

I am listed as having derogatory payments and having my amount closed via settlement. XXXX  while these things are technically true, it was via fraud on the company 's part.
Consumer complaint received 2017-08-25
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. (TX)

XXXX XXXX did a hard pull on my credit without my consent. I inquired about a loan at a branch, gave all my personal information and asked to have my file sent to an underwriter. But I never agreed to have my credit pulled. No disclosures were given to me and no consent was obtained verbally or in writing. I called XXXX XXXX after a hard credit inquiry appeared on my credit report to have it removed. They were going to speak with the branch banker who had only ever taken one application prior to mine and get back to me. I called three times, spoke to employees in various offices, and a woman promised to get back to me. I told her this was clearly a regulatory violation ( FCRA and Regulation V ), reporting a credit inquiry without having obtained consent or providing disclosures. Please ask XXXX XXXX to remove this incorrect information from my credit report.
Consumer complaint received 2017-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OH)

On XX/XX/XXXX I notified XXXX with XXXX XXXX XXXX over the phone at XXXX that I was disputing the debt and was requesting the original contract sent to me. Then on mailed a follow up letter stating that I was disputing the debt. Since then I have had a collection placed on my credit report from Jefferson Capital Systems , LLC who they said I owed. XXXX was unable to provide the contract to me so they sold the debt. I have suffered damage to my credit score from this collection which no one was been able to send me any proof that I owe it.
Consumer complaint received 2023-01-27
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. (IL)

Consumer reporting agencies may not report outdated negative information that is more than seven years old, or XXXX  that are more than XXXX XXXX XXXX. On XX/XX/XXXX I filed a dispute to the Transunion Consumer Reporting Agency that the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are too old to be still negatively affecting my credit report and were supposed to have fallen off my credit report by XX/XX/XXXX at the latestyet even after Transunion investigated the dispute XXXX Transunion did not remove the outdated account, which has sustained the potential for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to negatively impacting my credit score beyond the date of XX/XX/XXXX, which has contributed to impeding me from improving my XXXX XXXX to get the best available terms on future loans. 

Furthermore, in XXXX, Transunion is also reporting that a XXXX XXXX XXXX account with a {$0.00} balance which was closed on XX/XX/XXXX and is still in pending litigation was worthy of negatively affecting my credit score, and between XX/XX/XXXX and XX/XX/XXXX, Transunion reporting of XXXX XXXX XXXX cost me XXXX points off my credit score. I have called Transunion and attempted to resolve the matter, and although Transunion is the entity reporting the negative information that already has a XXXX balance and a closed date, Transunion still refused to fix the blatant error, and the Transunion phone representative advised me to reach out to the creditor XXXX XXXX XXXX ; which I already explained to the Transunion phone representative that I had done, and yet the matter still wasn't resolved.
Consumer complaint received 2022-03-03
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VERITAS FUNDING, LLC (FL)

The Company Named : Re : XXXX XXXX XXXX ( misleading name ) to a company XXXX # XXXX with address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX MLS # XXXX Now this other agency from the same XXXX XXXX XXXX XXXX, also using my name and distributing my name without my consent for marketing and junk mail unsolicited mail. This company its using my name and personal information for marketing and solicitation. I just don't understand why this company is harassing me with unsolicited and never requested very confusing and misleaded mail loan offers. Things like XXXX XXXX XXXX - XXXX report dated XX/XX/2022 indicates that you have {$3200.00} in available funds How this company got my information, what gives the right to this company to use my name and address. Now the amount of unsolicited mail its a continuous harassment from the same corporation different addresses This company needs to respect the fact that my name is at the XXXX XXXX XXXX -out list and every credit bureau op-out list to included also the XXXX 

Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where? 
Please stop remove my name out their data base, and ask every marketing company not to use my name. I'm a XXXX, I'm a XXXX XXXX and also I'm a XXXX XXXX being target by this junk unsolicited mail. 
I had never requested, and I will never do business with this company. STOP do not contact me, do not call me, do not mail me, do not email me please. Remove my name please from the headquarters and any marketing agency belonging to this company.. Do not contact me never no longer. ask your marketing companies not to contact me. DO NOT SALE OR DISTRIBUTE MY PERSONAL INFORMATION WITHOUT MY CONSENT- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX
Consumer complaint received 2024-01-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OK)

On XXXX at XXXX my Cash App account was debited {$580.00} in association with activating a prepaid XXXX card on my deceased father 's phone. This occurred when I attempted to download XXXX and was prompted for credit card information. I inadvertently used a card that was supposed to be deactivated after reporting it lost 2 years ago. Despite it being reported lost and supposed to be deactivated ( you have to deactivate to activate a new card ). the transaction still processed, resulting in a significant and unexpected withdrawal from my account. I immediately contacted Cash App support on XXXX and was initially informed that the transaction had been voided and the fund were back in my account and everything was fine. However, not even 12th hours later, I discovered that the charge was not voided and the funds were deducted, leaving my account in a negative balance. Upon filing a dispute my dispute was denied when this transaction shouldn't have happened in the first place considering the card was supposed to be deactivated since i had activated a new one well over 2 years ago but on-top of that cash app had the charge voided/canceled but now i'm being denied my dispute and being sent into a loophole with support who refuses to answer any questions of mine. I have not ate in 3 days I have no fuel to get to work i have no one to help me, each time i get on the phone with someone I am given the same prompts and have to explain the same situation over and over again I also I rely on cash app to run my business and now can't do so, leaving me completely stranded here. XXXX said there's nothing they can do on their end as far as refund upon speaking with XXXX the senior advisor of media and purchases she informed me that XXXX will not be able to resolve the claims even though XXXX refunded XXXX XXXX of the charge which feels like a major slap in the face. This is not my debt it's not under my name, this was a mistake and I was not informed by XXXX or cash app and i did not approve of this transaction on-top of that attached are documents to relieve my late father who passed away XXXX XXXX due to XXXX of any debt.
Consumer complaint received 2024-01-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to formally request the removal of late payment entries from my credit report for the following accounts XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXXXXXX I take responsibility for the mentioned late payments. In the spirit of fairness and goodwill, I kindly request your assistance in reevaluating these entries.
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Clarity Services (GA)

Hard inquires on my Credit Report by Clarity Services has damaged my report. I was not asking for any type of credit. 
XXXX XXXX XXXX XXXX XXXX I have tried to have this removed from my credit report. I also understand now Clarity Services was fined my the Federal Government for misuse of credit Report. I would like them removed from report.
Consumer complaint received 2021-03-24
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. (CA)

On XX/XX/XXXX someone other than myself submitted a credit inquiry for XXXX. I do not recognize this inquiry Ive attempted to reach out to Experian and the creditor since XXXX of XXXX and nothing has been resolved. 

On XX/XX/XXXX someone other than myself submitted a credit inquiry to XXXX XXXX XXXX. I contacted Experian and the creditor to dispute this over the phone in XXXX of XXXX and its still on my credit report. The creditor indicated no credit inquiry appeared on their end. 

On XX/XX/XXXX Someone other than myself submitted a credit inquiry to XXXX XXXX XXXX. I contacted Experian and the creditor to dispute this over the phone in XXXX of XXXX and its still on my credit report. The creditor indicated no credit inquiry appeared on their end. 

On XX/XX/XXXX someone other than myself submitted a XXXX XXXX  XXXX credit inquiry I reached out to the creditor but they directed me to the credit bureau. I contacted Experian to dispute this over the phone and its still on my credit report.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XX/XX/year> Capital One Auto Finance reported my car as a charge off which is incorrect, the account is paid off. 

XX/XX/year> Capital One reported a closed paid charged off account. 

XX/XX/year> XXXX XXXX Bank reported pay off late and kept reporting negative items for 2 years
Consumer complaint received 2021-09-03
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. (NC)

I have summited information numerous times showing and proving they are clearly violating my rights by continuing to report new dates of delinquency on a closed account and have ask that they comply with fcra requirements I demand that they immediately remove the account information for XXXX  and XXXX XXXX immediately from my credit reports
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have summited information numerous times showing and proving they are clearly violating my rights by continuing to report new dates of delinquency on a closed account and have ask that they comply with fcra requirements I demand that they immediately remove the account information for XXXX  and XXXX XXXX immediately from my credit reports
Consumer complaint received 2017-06-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (FL)

I just reviewed my scores on   XXXX   XXXX   and I was shocked to see all the stuff thy posted as debt. I never received any mails on this but harassing phone calls everyday which I am scared to answer.    XXXX   XXXX  not my account never have them  XXXX   XXXX  which I have  XXXX   XXXX   XXXX  bundle for a long time have all bills from them Hospital bills I have a good insurance and do n't know why additional charge with no letter
Consumer complaint received 2017-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Bread Financial Holdings, Inc. (IL)

Made a simple PAYPAL purchase on XXXX. I had a credit balance. I then received a bill. Confused, I called them only to learn that by clicking the button called Paypal credit, XXXX SECONDS LATER they slammed me with a {$6500.00} XXXX line of credit! I never needed wanted or asked for this! They said it was confirmed in an email - IT WAS NOT! They named a new product as what I thought I have always had ... .PAY PAL CREDIT ... .what do they call the other? its purposeful and I 'm furious. I called them and closed it down ... telling them what I thought. THEY NEED TO BE STOPPED
Consumer complaint received 2021-09-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (FL)

I received a call in 2018 about a debt I was supposed to have. I told them this is not mine. Please provide documentation on this debt. I got a few papers from the original company who,, I assume held the debt. I spoke to them a few months later telling them I did not get anything stating I owed them money. They put numerous bad marks on my credit. They told me they would continue until I paid it. I again called them just today,, they told me to file a police report on something from back 4 years ago. And also told me today they will continue to post it on my credit report. Which will not allow me to buy a home or a car. I just want it off my report. I did not have this credit card or account.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 usc 1681 section 602, states I have the right to privacy. 15 usc 1681 section 604 ( a ) section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666 ( b ) a creditor may not treat a payment on a account under an open and consumer credit plan as late for any purpose. On XXXX Credit XXXX account # XXXX Late payments reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2021-02-19
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: Mercedes Benz Financial Services (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX and Mercedes Financial. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$35000.00}. The Account Opened is Mercedes Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$30000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2019-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

ON XX/XX/XXXX, MY CONSUMER REPORTED SECURITY FREEZE WAS PERMANENT REMOVE BY XXXX BY XXXX STILL SHOWS ITS ACTIVE WHICH IS INCORRECT XXXX REFUSED TO REMOVE THE SECURITY FREEZE!
Consumer complaint received 2017-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIZENS FINANCIAL GROUP, INC. ()

I AM A US CITIZEN LIVING IN XXXX. I HAVE A CHECKING ACCOUNT WITH CITIZENS BANK OF PENNSYLVANIA, XXXX XXXX XXXX. I HAD A DEBIT CARD ASSOCIATED WITH ABOVE ACCOUNT THAT EXPIRED XX/XX/XXXX. PREVIOUSLY EXPIRED CARDS WERE REPLACED AUTOMATICALLY. THIS TIME NO CARD WAS FORTHCOMING. I HAVE CALLED SIX TIMES THE TWO XXXX NUMBERS PROVIDED TO DEMAND A REPLACEMENT. EACH TIME I WAS TOLD IT WOULD BE SENT ASAP. THE MOST RECENT TIME I WAS TOLD IT WOULD BE SENT XXXX. NO CARD HAS YET ARRIVED. MY LAST CALL WAS YESTERDAYXX/XX/XXXX. EACH TIME I TALK TO A DIFFERENT SERVICE PERSON TO WHOM I HAVE TO REPEAT A LITANY OF SECURITY INFORMATION AND RECOUNT THE PROBLEM IN DETAIL. EACH CALL HAS LASTED MORE THAN 30 MINUTES, SOME OVER AN HOUR, SOMETIMES BEING PUT ON HOLD INTERMINABLY TO CONSULT A SUPERVISOR. SPECIFICALLY THE PROBLEM REVOLVES AROUND THEIR NOT BEING ABLE OR WILLING TO VERIFY THAT A CARD HAS BEEN SENT AND NOT BEING ABLE TO GIVE ME A TRACKING NUMBER FROM XXXX WHICH I NEED TO CALL THE LOCAL OFFICE IN XXXX XXXX TO DETERMINE IF IT HAS ARRIVED. THEY TOLD ME THAT A CARD HAD BEEN SENT BUT RETURNED UNDELIVERABLE, BUT XXXX DENIES THIS. I ACCESS MY RETIREMENT INCOME PAID TO THE CITIZENS ACCOUNT USING THE DEBIT CARD. WITHOUT IT I CA N'T GET MY MONEY. I NEED THE CARD NOW OR SOON I WILL BE WITHOUT CASH AND DESTITUTE. THEY MUST, IF AND WHEN, THEY SEND THE CARD, GIVE ME A TRACKING NUMBER. WITHOUT IT THEY CAN GO ON OBFUSCATING ( SHOULD I SAY LYING? ) INDEFINITELY. THEY ( THE SERVICE AGENTS ) SAY THEY ARE NOT IN CONTACT WITH THE XXXX OFFICE AND HAVE NO WAY OF SENDING ME A TRACKING NUMBER ; LIKEWISE, THEY WO N'T TELL ME WHICH XXXX OFFICE WILL SEND THE CARD, WHERE IT IS LOCATED, AND WHAT ITS TELEPHONE NUMBER IS. FOR TWO MONTHS I HAVE BEEN CALLING IN VAIN. I NEED MONEY NOW. WHO CAN MAKE THIS BANK SEND ME MY CARD?