davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-20
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. (NC)

I have written and called Transunion to have these fraud accounts removed from my credit report but they continue to show on my report. Please delete these accounts XXXX  several accounts, XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX account XXXX. I have sent my identification, police report and the identity theft report. I have sent everything that has been requested from me.
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a victim of ID theft. I recently conducted a review of my credit reports, and I noticed a total of 11 UNAUTHORIZED credit inquiries that I find to be problematic. 
I contacted every company listed below over 45 days ago, and asked them to take action to get these inquiries removed from their records, my records and to erase any record of the inquiry with all credit reporting agencies. They did not respond, send me any results and have not complied with my request to take whatever steps necessary to resolve the issue. It is not ok for them to report this inaccurate information on my reports so I decided to contact you just to make sure this gets done.
Consumer complaint received 2017-09-14
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. (TX)

LATE PAYMENTS ARE REPORTED ON STUDENT LOANS WHICH WERE IN DEFERMENT AND THEN LATER CONSOLIDATED. LATE PAYMENTS NEVER REMOVED AND IT IS NEGATIVELY AFFECTING MY CREDIT SCORE. DEFERRED LOANS CAN NOT BE LATE, WHEN NO PAYMENTS ARE DUE. 

XXXX XXXX OVER 20 ACCOUNTS SHOW LATE PAYMENTS.
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (MN)

On XXXX I was double charged {$1000.00}. This was on chimes prepaid credit builder card. BC it was on the Credit Card, I asked to have the payment for the charge held during the investigation And The {$1000.00} put back in My account which they are refusing to do.
Consumer complaint received 2021-03-26
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: EQUIFAX, INC. (AZ)

Submitted a request in XXXX to have the barclays account removed, but I am not sure why it wasnt removed, maybe a misunderstanding. I have no financial obligation to the account since I was only a authorized user, not the account owner. The dispute has been in place for over 30 days and they have failed to remove the authorized user account in a timely, efficient manner.
Consumer complaint received 2017-09-14
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: Experian Information Solutions Inc. (TX)

XXXX XXXX # XXXX IN THE AMOUNT OF {$1800.00} WAS PREVIOUSLY DELETED FROM MY CREDIT FILE AS I AM NO LONGER LIABLE FOR THIS ACCOUNT. IT HAS REAPPERED ON MY CREDIT FILE AS OF XXXX XXXX, XXXX UNDER A DIFFERENT COLLECTION AGENCY XXXX XXXX. 

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA XXXX, Procedure in case of disputed accuracy [ XXXX XXXX. XXXX ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph XXXX XXXX XXXX, the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause XXXX ii XXXX, a consumer reporting agency shall provide to a consumer in writing no later than XXXX business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; XXXX XXXX ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and XXXX XXXX XXXX a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (PA)

Today I have contacted y'all about my claim Date,XX/XX/20 Transaction,27 Transactions in Claim Amount, {$320.00} Claim Number,XXXX Status : Closed some agents telling me a different story. Some say that some of the payment wasn't billed. I already got all the credits to the claim, and some say that the old claim got created into a new claim with a new case number that is still under review, and I am confused ; I don't know who to believe.
Consumer complaint received 2018-02-16
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. (TN)

I have sent all 3 major credit companies dispute letters for some time now and i have even sent them certified.Yet and still there has been no response as to removing the negative items from my credit report.
Consumer complaint received 2020-11-03
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation (NJ)

back in XXXX XXXX I told one main thing a financial not to contact me. I told them to not contact me when I called them back and I was told I was on there do not call list. they called my house at XXXX this afternoon. I called back at At XXXX and told them I was on the do not call us not to call me ever again. To listen to the recording when I called the last time not to call my number. They are in violation of my rights I said do not contact me back XXXX XXXX and XXXX and they continue to contact me
Consumer complaint received 2019-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF THE WEST (IA)

In XX/XX/XXXX I pulled all 3 credit reports. I noticed The XXXX XXXX XXXX account on my reports. In XX/XX/XXXX, I disputed alleged account with all 3 credit bureaus. It came back as verified. On XX/XX/XXXX I received correspondence from The XXXX XXXX XXXX. ( Letter enclosed ) Prior to this letter I did not receive a dunning letter. I was also not notified within 30 days of placing negative information into my credit file. I sent a certified letter on XX/XX/XXXX asking for validation of alleged account.
Consumer complaint received 2021-10-09
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. (NY)

XXXX XXXX is reporting to Equifax that this account is missing payments when this account is closed and paid in full. XXXX XXXX is repeatedly reporting fraudulent report and XXXX  XXXX  is fraudulent reporting the. This is repeatedly a problem.
Consumer complaint received 2021-07-20
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. (WI)

I have been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.
Consumer complaint received 2020-10-23
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: Bread Financial Holdings, Inc. (FL)

I have inquiries repeatedly reporting on my credit report from Comenity Bank XX/XX/XXXX on my XX/XX/XXXX Credit file and I never authorized or applied for credit with that company.
Consumer complaint received 2019-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. I recently learned that my personal information was used to open 2 accounts XXXX XXXX XXXX XXXX opened XX/XX/2018 and XXXX opened XX/XX/2018. I  contacted the bureaus to dispute this matter over 45 days ago and I have not received any answer back from bureau or creditors. They are not cooperating or helping me to try and get this resolved immediately. It is not ok for them to report inaccurate information or information that does not belong to me. Please investigate this matter, close and delete these 2 accounts and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Northstar Location Services, LLC (MO)

I had a lease with XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I purchased the vehicle from XXXX XXXX XXXX in XX/XX/XXXX. I received a bill from XXXX XXXX XXXX in XXXX/XXXX XXXX for personal property taxes paid for XXXX to XXXX XXXX XXXX in the amount of {$750.00}. 

I lived in XXXX XXXX XXXX in XXXX when I leased the vehicle and moved to XXXX XXXX XXXX in XX/XX/XXXX, which are different taxing authorities. I notified XXXX XXXX XXXX of the move and they accurately reflected my address in XXXX XXXX XXXX and sent me correspondence at the XXXX XXXX XXXX address for the remainder of XXXX and XXXX. Taxes were not payable to XXXX XXXX XXXX for XXXX as I did not reside in XXXX XXXX XXXX at anytime during XXXX. 

Upon receipt of the bill, I contacted XXXX XXXX XXXX and discussed the issue with them. At that time I was asked to send documentation of my move. I sent them the requested information, although they had been previously notified of the move. A couple months later I started receiving collection calls from Northstar. I contacted XXXX XXXX XXXX and they said they would pull the credit from Northstar and work with XXXX XXXX XXXX to obtain a refund of the taxes incorrectly paid. In XXXX/XXXX XXXX I started receiving calls again from Northstar. I called Northstar and they told me that my account had a {$0.00} balance. They began calling again within a couple weeks and I called them back and I explained to them the issues. At this time they notified me that they are reporting this matter to the credit bureau. I contacted XXXX XXXX XXXX again and they told me they have no record of an amount due. I have fully exhausted my efforts with XXXX XXXX XXXX and NorthStar and neither are able to assist me as they each tell me to the contact the other. 

My credit score is 820+ and I pay my bills. Northstar or XXXX XXXX XXXX is incorrectly reporting this issue and it is affecting my otherwise excellent credit score. This is not a bill I owe and it is XXXX XXXX XXXX responsibility to obtain the refund from XXXX XXXX XXXX. I was never late to XXXX XXXX XXXX in the 3 years that I leased the vehicle from them. I request that my credit reporting be immediately fixed and it properly show that I do not have an outstanding amount and that no payment was ever late. 

Attached is the Utility Service Request for utilities at XXXX XXXX, XXXX XXXX, XXXX XXXX, which is located in XXXX XXXX XXXX dated XX/XX/XXXX, the date I purchased/closed on the house. Also attached is the first page of the HUD dated XX/XX/XXXX showing I sold the house located at XXXX XXXX, XXXX XXXX, XXXX XXXX, which is located in XXXX XXXX XXXX.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (KS)

I noticed on XXXX  Report that i have a hard inquiry from Syncb, National Credit Cards/Airlines, on XX/XX/2019 that i did not authorize. In no way would I have applied for any credit with this company.
Consumer complaint received 2023-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

In Accordance with the Fair Credit Reporting Act XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX. Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX. Account # XXXX. Account name : XXXX XXXX XXXX. Account # XXXX. Account name : XXXX XXXX XXXXXXXX. Account # XXXX. Account 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 an 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 beleive that the information is inaccurate.
Consumer complaint received 2021-07-21
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: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 12 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2020-07-10
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report
Consumer complaint received 2021-09-17
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: Synovus Bank (OH)

1STPROGRESS/XXXX/ is reporting late payments on my consumer credit report. I am demanding that the late payments are removed and reported as exceptional payment history. 


I am a consumer as identified in FDCPA 15 USC 1692a ( 3 ) and I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). Pursuant to 15 USC 1681e - factual information must be excluded ; this is a violation. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. 15 US Code 1681a ( 2 ) states that any consumer credit reporting may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2017-09-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (MO)

CitiMortgage did a loan modification of our 1st and 2nd mortgages in XX/XX/XXXX. We are selling our home and when the title company called for a payoff the second mortgage did not exist. Yet, two days later Citimortgage sent a letter to the title company stating we are to voluntarily give them over {$34000.00} of our closing costs to them for the amount of the second mortgage. When we called XXXX they stated they had not received the Dodd- Frank documentation. We have proof they received and scanned in the Dodd-Frank document filled completely document on XX/XX/XXXX via XXXX. 

When we spoke with XXXX in the Recovery department she stated they had the home equity loan and another department had our original first loan and she needed to reach out to them and get back to us in regards to the loan modification. 

We were supposed to close on our house XX/XX/XXXX but moved it to the end of the month to attempt to get this resolved.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

I did a free trial for Experians credit monitoring. I cancelled it the next day and was told on their site that I would not get billed in the future.

Today, I tried to login to check the status of a dispute and the website is forcing me to pay them {$XXXX} to continue. I can not access the status of my dispute without rendering funds that I do not owe to Experian first. Thusly, holding the status of my report hostage. I did pull the report via free annual credit report but I am unable to identify if any changes were made. 

I want this requirement to pay them removed.
Consumer complaint received 2017-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XXXX 2017 I purchased a service I did not get and the service I got, I was not satisfied with. I attempted to get a refund and Capital One sided the merchant saying I had to pay for the contested charge.
Consumer complaint received 2019-02-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synerprise Consulting Services, Inc. (MO)

I am being harassed by Synerprise Consulting Service. They are reporting that I have a debt of the original balance of XXXX but I only owe {$1000.00}. It is indicated on my credit report under ( XXXX ) =account balance, DPR=Date Payment Received, SPA= Scheduled Payment Amount, AAP= Actual Amount Paid that I have made payment on this account 9 times. This is false. I don't even know the company and have not been paying on this account. Attached is a copy of my up to date credit report from XXXX which tells me that the account stays for 7 years and been verified. I have no verification of this false debt that Synerprise Consulting Services is trying to collect from me. It also states that the account is schedule to remain on my credit report until XX/XX/2021, which is not 7 years. I'm not understanding where this information is coming from with recorded information on my credit report stating that I have been paying this debt that I know nothing about. Can this company produce receipts from me? This company is falsely reporting credit history that doesn't belong to me and the credit bureau XXXX  is reporting this information with the statement under Comment : '' Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '', which in fact is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2022-08-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (TX)

Good Afternoon, This complaint is being filed under the Fair Debt Collection Practices Act. It has come to my attention that Debt Collector LVNV Funding LLC, has unlawfully filed a lawsuit against me without notification and/or justification on or about XX/XX/XXXX. The debt that this debt collector is trying to collect is a Fraudulent account in the amount of {$3700.00} opened per my credit report on or about XX/XX/XXXX. This is not my debt it is Fraudulent account. LVNV has never made contact with me of any kind with regard to this debt. LVNV placed this debt on my credit report numerous times only to remove it when I dispute it and place it back on again, the most recent reporting to my credit report is on XX/XX/XXXX, after LVNV filed its lawsuit. LVNV has continued to harass me in trying to collect on this debt by continuously placing the debt on my credit reports without any contact or notification with me, and now without notification and/or justification has filed a lawsuit.