davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report which is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and need to get deleted immediately : XXXX FOR Inquired on XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XXXX, 2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX  Inquired on XX/XX/2021 XXXX  XXXX  Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experain and XXXX XXXX refuse to remove fraudulent acct from my profile when they have my supporting documents that I was a victim of Id theif
Consumer complaint received 2018-02-01
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. (NV)

I have been having several issues with TransUnion and reporting out dated information. I have disputed with them on several occasions to no avail. I am hoping your company can possible intervene and help me get this resolved. I have done extensive research on credit reporting and how long something is allowed to stay on one 's credit file and all research indicated that the statue of limitations is 7 years from when an account first becomes delinquent and never again went current. For whatever reason TransUnion is the only credit reporting company that shows the old debts. I have attached a copy of some of the debts that TransUnion insist on reporting and indicating the year they are to be removed goes past the statue. They report one of the accounts twice! XXXX XXXX  XXXX XXXX aka XXXX XXXX XXXX account number XXXX shows twice yet it was actually charged off over 8 years ago. There was only 1 account ever with XXXX XXXX and again that was over many years. The other one started with XXXX  XXXX XXXX and the first missed payment wasXX/XX/XXXX then they transfered it to XXXX XXXX   who transferred it to XXXX XXXX. None of the accounts should be reporting on credit, all are past the statue of limitations.
Consumer complaint received 2017-04-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

well fargo bank is closing down town  XXXX  branch. they sent letter that I had to close my safe deposit box, which I did. they failed to issue me pro-rated refund at time of closing and play ed dumb when I asked manager to m ail me a refund check that is due to me.  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX     XXXX , fl  XXXX   XXXX
Consumer complaint received 2017-07-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I contacted Capital One first I put my last  4  of my acct in collections in and got connected to  XXXX . I told them could we agree on a price and get my acct PAID TO DELETE on my acct. They then told me that they do not report to the Bureaus, Capital One does so I would have to call them and they gave me the number. I then called, Capital One back, spoke with the  1st r ep which said they would help then connected to the second rep in collections and I requested what I told the rep with  XXXX  a Pay to Delete settlement. Well they said they will report Settled debt but do not honor PAY TO DELETE. Now I know they can do it but they are giving me a hard time.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (TX)

XXXX and XXXX XXXX refuse to remove fraudulent acct from my profile when they have my supporting documents that I was a victim of Id theif
Consumer complaint received 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Experian was reporting that i owed a debt to a collection agency called XXXX XXXX  for medical services. I was unaware of this claim, so i contacted XXXX XXXX on XX/XX/XXXX with certified mail and asked them to validate the claim with a contract and proof. On XX/XX/XXXX XXXX sent me a letter with an itemized bill listing my medical conditions and services. I then sent this information to Experain on XX/XX/XXXX by certified mail for proof of receipt that XXXX XXXX  had violated my HIPPA rights and stated that i will pursue legal actions. On XX/XX/XXXX i received a letter form Experian with Report # XXXX that XXXX XXXX that the debt will remain on my credit file unless i send in additional relevant information to support my claim, and they stated they will not re- investigate this information again. I feel as if i am alone and my rights and identify has been violated. Also, i did a dispute with XXXX and they deleted the collections based on their findings. What findings did XXXX  find that Experian could not? I am seeking help in this matter. Thank you, XXXX XXXX
Consumer complaint received 2022-03-11
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc. (TX)

Hello, I am submitting a complaint after several rounds of dispute letters. However, these negative items are still reflected in my credit report. XXXX  student loans are still being reported to my credit after proof of discharge letter was sent to be removed at once! I didn't attend school there so it needs to be removed! Secondly, XXXX XXXX is still being reported in my credit profile when the loan account was paid in full and transferred to XXXX XXXX XXXX XXXX XXXX ). Why is this XXXX XXXX account still reporting as opened when it was sold and transferred. I have attached proof for both accounts.
Consumer complaint received 2021-09-09
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. (OH)

XXXX reach out to me in XXXX of XXXX rescinding my loan terms. In a letter I received it sums it up as they tricked me into the loan, however when I call and email I've received different answers. 

I sent multiple emails and all they do is put me in extension plans that have killed my payoff amount. At first I assumed it was ok because of the loan coming off my report however its months later and they still are reporting me late while Im actually in an extension plan. XXXX truly seems not to care which makes me believe they've decided the pay out is worth the confusion and damage to the consumer report. 

I'm trying to get my credit together and it's confusing how in accurate the reporting is. I was told that because there was a judgement against XXXX I should try the CFPB. 

I have more details and can add it just gets exhausting explaining this store again and again. I'm looking to have XXXX Remove the loan from my report or report it accurately... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (MD)

In XXXX  I made a loan for {$8000.00} from XXXX XXXX or XXXX XXXX XXXX account number XXXX. I just received a bill for {$4900.00} dated XXXX {$4900.00}. I have paid over {$10000.00} for this bill. I have had my banks give me statements documenting the payments. I am waiting for XXXX additional statements that reflects payments directly to XXXX XXXX for over {$1300.00}. 

Here are the dates from my account with XXXX XXXX XXXX XXXX  : XXXX - {$500.00} XXXX - XXXX XXXX XXXX XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} Please help me obtain a record of all payments from this company? Because I am sure I dont owe them {$4900.00}. I am waiting for bank statements from my credit union.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX 4. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, MD XXXX 5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, MD XXXX 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2017-12-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections (VA)

My family was told that donations would help pay for XXXX since I didnt have insurance at the time and I was not coherent and unable to make decisions for myself at the time my XXXX son had to the XXXX XXXX they gave him and my stepdad saying that charity or donations would help me pay this bill for me,
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

FCRA vioations not mine not my loan XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. 
Status updated XX/XX/XXXX Balance {$14000.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$26.00}, XXXX written off. 
Status updated XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment {$250.00} as of XX/XX/XXXX Monthly payment was never late XXXX XXXX XXXX XXXX XXXX Account number XXXX Account type Child Support Responsibility Individual Date opened XX/XX/XXXX Status Open. {$5.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$5300.00} Balance updated XX/XX/XXXX Recent payment {$1000.00} as of XX/XX/XXXX Monthly payment {$1100.00} Original balance never lived here XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family not my phone numbers ( XXXX ) XXXX ( XXXX ) XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my inquires XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX # XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NM)

Latest reporting XX/XX/2022 In light of this malicious activity, I have been unable to obtain housing in accordance with the Fair Housing Act and the SCRA ACT for military families ; because of the hardship resulting from it the incomplete BILLING ERROR reported on the Equifax CREDIT REPORT by XXXX XXXXXXXX ACCT # XXXX The billing error is Status 30 days past due- ACCOUNT WAS NEVER LATE Status updated XX/XX/2022, Balance {$460.00}, as I DO NOT OWE ANY BALANCE!
Consumer complaint received 2022-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (CA)

Hello, This is my second report in 3 years. I am victim of identity theft and the follow credit card was opened and used without my knowledge. 

Original Creditor : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  Original Acct # XXXX Current Account Balance : {$9900.00} I have been harassed by collectors in the several years. Since my original report has expired, I am opening a new one.
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I received your partial response asking for my personal information. Name  XXXX   XXXX   XXXX  Address  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  CA ,  XXXX . Soc-  XXXX . I will attach a copy of my Experian Credit report in addition, a request for accurate validation such as Name, Address, and  Telephone numbe r of the person that validates the item in question.
Consumer complaint received 2022-03-29
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. (TX)

In accordance with The Fair Credit Reporting Act, XXXX XXXX Co Acct # 76 and Acct # 04, have 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 : states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2017-04-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (RI)

On   XXXX   XXXX   XXXX    , my wife made a credit card payment to   Citibank via phone for {$100.00}.
This payment was processed and then on the same date, Citibank made an unauthorized payment process for {$2900.00} to pay the balance on the card. We did not authorize this payment. The bank then charged our account for an overdaft. My wife contacted Citibank and their response was sorry nothi  ng they can do.
Consumer complaint received 2017-07-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc. (NC)

AMCOL recently reported to the XXXX credit bureaus that I have an unpaid {$890.00} bill owed to XXXX XXXX. Prior to this account appearing on my credit report, I did not receive a notice of my right to dispute this account. I would have liked to have that opportunity because I am certain my health-care provider paid this anyway.
Consumer complaint received 2024-01-31
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. (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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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 2021-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

On XX/XX/2021, someone broke into the common area of my condo and stole all my mail. I applied for a Citibank checking account and the debit card was also in the mail. Traveling abroad at the time, I received notification from the bank that my account was activated, which I did not do. Someone has stolen the debit card Citibank sent me and used the card to withdraw {$1000.00} from an ATM. Upon discovering the transaction on my account ( I logged onto the account on Citibank.com ), I immediately reached out to the Citibank fraud department through phone call the same day and notified them of the fraudulent transaction. I also filed police report with the XXXX, CA police department. 

After returning from my trip abroad, I visited Citibank in person at the XXXX, CA branch and the bank staff told me that the phone agent didn't correctly freeze my account and there were more fraudulent transactions on my account. I filed fraudulent report with the bank 's fraud department on all those transactions. The bank has access to the fraudulent checks that the thief has written on file, but refused to refund the two fraudulent transaction amount {$210.00} and {$1000.00}.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I requested to see proof and methods of verification for alleged account that is reporting on my credit reportI do not owe this debt, I requested to see signed contracts between myself and XXXX credit. 

XXXX credit management XX/XX/2019
Consumer complaint received 2022-03-11
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. (TX)

I am a federally protected consumer, natural living person. I am not being coerced by any third party or agency. I am submitting this complaint with my own free will and I am aware that my personal information is being used fraudulently and I am demanding to have this information blocked from my consumer report. Enclosed will be the FTC report as well as dispute letter for the account to be blocked.
Consumer complaint received 2017-12-05
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: Checkr, Inc (GA)

Upon investigating a background check a XXXX charges come up in 2016 in which I took case to trial and was found not guilty of all charges so this record should not be considered of my employment
Consumer complaint received 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

i have asked XXXX to send me me credit report to see my history and score but its saying error. i called them they gave me a claim number. i keep on sending them my personal as gov id, ssn, utility bill, and proof address. every time i send them my info to them they send me a letter to send them all these info again. they keep on sending me the same letter with different case number.
Consumer complaint received 2017-07-12
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. (NC)

On  XXXX   XXXX , I sent the following letter to Equifax,  XXXX , and  XXXX   XXXX  ; asking them to correct errors that appeared on my credit report.  XXXX  has responded with a list of the corrections but I have n't heard anything back from Equifax or  XXXX   XXXX .
Consumer complaint received 2017-07-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SECURITY FINANCIAL (GA)

Terminated/canceled refinance without my knowledge after signing closing documents. Now have left me high and dry without a way to resolve. Was berated by the " manager '' and was called privileged and fortunate for using there company. Missed 2 payments because of them and the way they have done business.