davidheineman/consumer-finance-complaints-large huggingface dataset:
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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX is reporting that my account was turned over to a collection agency and they never once sent me a final bill. They came and picked up all of the equipment and I was told Id receive my final bill. I got a receipt for the equipment picked up by the XXXX representative and theres NO WAY that my bill is {$580.00}! It was less than {$360.00}. I have also attached the contact info of the XXXX representative that came on XX/XX/2019 and picked up the XXXX equipment.
Consumer complaint received 2018-03-27
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: WELLS FARGO & COMPANY (TX)

For one year i have disputed items and the companies were found to be wrong in reporting to bureaus and the accounts were removed then at a later time they report the same information putting information on my credit file. XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX
Consumer complaint received 2019-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

hi i dont know who is the creditor and i have this account on my profile show a balance of {$490.00}, ,i would like to request a validation from a third party collection agency .. i need proof of either own or were assigned the debt from the creditor. and i need a copy of original contract with my signature! please if would like to respond to : XXXX XXXX
Consumer complaint received 2019-10-21
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: EQUIFAX, INC. (MS)

I am writing this due to non-compliance with Equifax. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. In effort to clear my report of fraudulent information, I discovered that my name is incorrect. This further proves identity theft. The information associated with XXXX XXXX XXXX must be deleted.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

has violated my rights. Or a list of inquiries : 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 crimes 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 2019-10-21
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. (PA)

Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance Credit Limit {$0.00} {$5000.00} Payment Info Status Paid, was a charge-off Updated on XX/XX/XXXX Past due amount - Highest balance - Monthly payment - You've made 88 % of your payments on time for this account. 

Account is still reporting as an open account under the three agencies.
Consumer complaint received 2018-03-27
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)

XXXX XXXX negligence has caused my credit score to drop dramatically. I contacted the company to update my automatic payment as I switched banking institutions and my file was not updated. Due to their negligence, I am at a higher interest rate with a mortgage loan. XXXX XXXXt referred me to XXXX XXXX in which they stated my account was sold and theres nothing they can do to update my file. Ive contacted XXXX XXXX and was working with XXXX XXXX in settling my balance with XXXX XXXX. I was advised that lending point was the reporter of my file and XXXX XXXX can not update my credit report. XXXX XXXX still showing a balance and monthly payment, in which it is affecting my debt to income. I am getting the run around and have disputed my file with Experian with no resolution.
Consumer complaint received 2018-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America closed my debit account for nothing. I received an XXXX report, which showed the reason : " Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. '' I was shocked by the bank 's stuff 's disposition to a client and the level of their competency. A man, named XXXX XXXX owed me money and issued checks. I just tried to deposit them to my debit account XXXX. I do not know what happened after that, but BoA closed my account. What " unauthorized or prohibited '' did I do? During a year I accurately maintained a credit and recently debit accounts. I never committed overdrafts and what I have now? BoA, instead of helping a client to overcome a situation, possibly created by a third party contributes a fake information about me to a consumer reporting agency, making me, a client, a victim. It is unfair business practice.
Consumer complaint received 2021-08-13
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: ERC (CA)

Enhanced Recovery CO L is reporting an account from XXXX account number ending in XXXX in the balance of {$2800.00} on my credit report I have no knowledge of this account and Im asking this collection agency to furnish full proof that this belongs to me and if no proof is given within 30 days by law under FCRA this needs to be removed from all three credit bureaus immediately
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Equifax is reporting incorrect personal info on my credit report which includes : Incorrect names, incorrect and ou  tdated addresses, and incorrect employment info.
FYI There is no apartment " A '' at my address. Should remove incorrect employer information.
I 'm retired.
I have contacted Equifax and cfpb about this complaint subsequently equifax sent me a copy of my credit report with my personal information omitted (? ) so I was unable to confirm any updates.
Through a third   party I was able to view my equifax credit report and found out equifax is still reporting false and/or really old personal information.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-03-27
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: Bread Financial Holdings, Inc. (TX)

For one year i have disputed items and the companies were found to be wrong in reporting to bureaus and the accounts were removed then at a later time they report the same information putting information on my credit file. XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX
Consumer complaint received 2020-09-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synerprise Consulting Services, Inc. (TX)

Received a call from SCS Webpay https : //www.synerpriseconsulting.com on XX/XX/XXXX for a medical bill from XX/XX/XXXX for {$95.00}. They refuse to disclose any information regarding this debt other than that I owed it. They refused to send me notice in writing or give me a chance to dispute the debt. They refused to give any type of debt verification. They were also rude and unprofessional.
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LendingPoint Holdings LLC (CA)

Lending points negligence has caused my credit score to drop dramatically. I contacted the company to update my automatic payment as I switched banking institutions and my file was not updated. Due to their negligence, I am at a higher interest rate with a mortgage loan. Lending point referred me to XXXX XXXX in which they stated my account was sold and theres nothing they can do to update my file. Ive contacted XXXX XXXX and was working with XXXX XXXX in settling my balance with Lending Point. I was advised that lending point was the reporter of my file and XXXX XXXX can not update my credit report. Currently Im still showing a balance and monthly payment, in which it is affecting my debt to income. I am getting the run around and have disputed my file with XXXX with no resolution.
Consumer complaint received 2021-08-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone of Bank of America called me relating about a suspicious transaction in my account in Texas and it was transferred to my account {$3500.00} and my phone number was changed to XXXX XXXX  and I had to take it back by transferring back my phone number to my Bank of America account. I sent the money to my phone number and it was someones name. I gave them the code they sent me and made the XXXX transfer to my phone number with another persons name. I lost my money to this thieves.
Consumer complaint received 2020-06-01
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. (FL)

All three credit bureaus, TransUnion, XXXX, and XXXX  have misreported information on my credit reports that should be removed immediately. XXXX XXXX I submitted dispute documents, drivers license, and social security card to all three bureaus to have information deleted or removed ( see attached files, also notarized ).
Consumer complaint received 2019-10-21
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. (CO)

The Following inquires are showing up on my credit file and and are not supposed to be there. Just because the are there does not mean that someone is using my credit or trying to obtain credit in my name. It simply means that the credit bureaus allowed the following companies to look at my credit, possibly through some promotional offer without my permission. The credit bureaus are bad about doing this and need to be warned. 

****THIS COMPLAINT DOES NOT MEAN THAT THERE IS TO BE ANY KIND OF ALERTS OR SECURITY FREEZES PUT ON MY FILES. IF ANY OF THE 3 CREDIT REPORTING AGENCIES DO THIS I WILL FILE A COMPLAINT REGARDING THAT*** 1. XXXX XXXX inquiry from XXXX REMOVE 2. XXXX XXXX XXXX from XXXX REMOVE 3.  XXXX XXXX XXXX XXXX These companies send you material in the mail and when you log on and put your personal information in then they ding you for a credit inquiry. I did not authorize any of these companies to do a hard pull on my credit and these need to be removed immediately from my file.
Consumer complaint received 2017-07-12
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)

I have several inquiries on my report from  XXXX   XXXX   XXXX    XXXX   and from  XXXX   XXXX . I contacted  XXXX   XXXX    XXXX   @  XXXX  and spoke with  XXXX  employee #  XXXX  and he was unable to find any applications for me, and he even checked the archives. I contacted  XXXX   XXXX  and they are going to be sending something to have the inquiries removed, but they told me to contact creditor to see about getting them removed sooner. Here are the inquiries :  XXXX  Inquiry :   XX/XX/XXXX     XXXX   Inquiry :   XX/XX/XXXX     XXXX   Inquiry : XX/XX/XXXX   XXXX  Inquiry :   XX/XX/XXXX    XXXX  Inquiry :  XX/XX/XXXX    XXXX  Inquiry : XX/XX/XXXX  XXXX   XXXX   XXXX  Inquiry : XX/XX/XXXX ,   XX/XX/XXXX  ,   XX/XX/XXXX  ,   XX/XX/XXXX  ,   XX/XX/XXXX  ,   XX/XX/XXXX  . Please remove all of these inquiries because they do not belong to me, and were not authorized by me.
Consumer complaint received 2022-01-06
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: EQUIFAX, INC. (TX)

I faxed Equifax disputes regarding erroneous accounts on my consumer credit file on XX/XX/2021, after mailing my dispute to it on XX/XX/2021. I faxed in the dispute because Equifax did not start an investigation. Faxing was the only way for me to get confirmation that my dispute was received the same day in case the company tried to lie and say it never received my dispute in the mail. According to Equifax, it has 5 business days to process my disputes. It has been more than XXXX business days and Equifax has not investigated my dispute. Equifax has a duty to investigate all disputes that it receives, yet it has neglected to investigate mine. Equifax is deliberately violating the law and enabling identity fraud by keeping these erroneous account of my file. I even sent Equifax dispute results from XXXX showing that XXXX was unable to verify erroneous accounts on my credit file, and Equifax has ignored it. How can Equifax verify items on my consumer credit file if XXXX couldn't. This particular company is damaging my reputation and preventing me from making major purchases. This company has failed to prove any of the negative, erroneous accounts belong to me. This company is merely parroting information, which is against the law. It has duty to investigate with physical evidence. Attached to this complaint are the disputes I sent Equifax, and the dispute results from XXXX showing REMOVAL of erroneous accounts from my consumer file. XXXX did it's due diligence and actually investigated my dispute and found these negative, erroneous accounts were NOT mine. My question again, how is Equifax verifying items on my report if another CRA COULDN'T?
Consumer complaint received 2017-12-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (TN)

XXXX XXXX XXXX XXXX is not licensed with the State of Tennessee Department of Commerce and Insurance to collect on alleged debts in the state of my residence, Tennessee. I have attached proof of this as of XXXX XXXX, 2017 from the official website, tn.gov
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I have an account with XXXX that was charged off in XXXX, and the debt repaid in XXXX. Equifax and/or XXXX report this charge off as occurring in XX/XX/XXXX, despite multiple disputes. This results in an inaccurate credit score when run through the algorithms. It is an easy error to verify and correct based solely on data provided on the Equifax report.
Consumer complaint received 2022-01-06
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NJ)

I opened a Home Depot credit card in XXXX of XXXX and was told it was 2 years interest free ( waived interest ) with a 25.99 % interest applied to any charges made after the two years expires. The representative at the store insisted that I would not be responsible for any interest accrued during the promotional period charges. 

I was lied to by the sales representative in the store and the credit card representative over the phone- as this card has a deferred interest associated with it that I was not aware of. 

I set up auto payments and electronic statements upon receiving my card and making my first charge. I set up my payments to be above the monthly minimum and they were consistently paid on time. 

This promotion expired in XX/XX/XXXX where I had approximately {$3400.00} left on my credit card balance. My auto payments continued however I was charged approximately {$6800.00} in deferred interest in XXXX. 

I never received any email notification ( given I have electronic notifications ) that the promotion was expiring and there would be a deferred interest charge added to my total charges. This was a complete surprise to me. I logged in today, XX/XX/XXXX to pay the remainder of the balance in full to find it was {$8800.00} dollars. 

I called Citi to try and resolve it and informed them I was lied to and this is not how the credit card was sold to me and I was told there is nothing that can be done on their end. 

The pandemic has really affected me and my family and money is extremely tight. I can't afford to pay all this interest, especially when it's not what I signed up for. I feel cheated and taken advantage of and any help in the matter would be greatly appreciated.
Consumer complaint received 2022-09-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upgrade, Inc. (AZ)

I have an upgrade loan. Every one of my payments has been made on-time through XX/XX/2022. When I went to check on the payoff date the account said delinquent. I also noticed it was marked on my credit report. I was furious. I have emailed the company multiple times with their response being they don't answer inquires through email. I then tried to go make a payment and I am unable to submit a payment. I then tried calling and have been on hold for hours only to be disconnected. 
This is terrible business practice. I believe they are a unscrupulous company and intending for their customers to NEVER payoff their loan.
Consumer complaint received 2018-03-27
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (AZ)

I was contacted by a 3rd party debt collector that was harrasing me for a debt from Navient. The were leaving personal information in voicemails to me and my family along with multiple calls a day. When I hung up on the caller, she called back and said, " you hung up on me? '' They were hired by Navient. I contacted Navient in XX/XX/XXXX to dispute the account and get more information. I faxed over the Bankrupcty Discharge paperwork as requested. To this date, it still apears on my credit report and is stopping me from getting a mortgage loan.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX managed my refunded student loan after the student loan forgiveness act. They are claiming that I didnt make payments but no one ever contacted me and told me that my payments were due. I paid my account in full in XXXX when I realized that my the loan refund was rejected due to the Supreme Court decision. Had I known, or if I had received correspondence sooner I would have paid it in full sooner. They have ruined my credit as a result. Before this my credit was near perfect and they destroyed it. This misunderstanding should be rectified immediately.
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: EQUIFAX, INC. (MO)

The XXXX XXXX with account number XXXX appears to be a charge-off account with a specific balance of {$510.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in one of the Bureaus. As per FCRA, the bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.