davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-01
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. (GA)

I reviewed my credit report and noticed several items that where in accurate and fraudulent. I contacted the credit buearus immediately and there has been no resolution to my issues. I filed a complaint with the FTC as well as contacted my local police department with no resolution. I am now contacting you with hopes of resolution. 

Below are fraudulent accounts in question : Company Name : XXXX XXXX Date Open : XX/XX/XXXX Account # XXXX Balance:XXXX Below Are a list of Inquires I did not authorize and are fraudulent. 

Company Name : XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX/XXXX   Inquiry Date : XX/XX/XXXX Company Name : XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Their are 2 student loans on my report that are reporting late FROM XX/XX/XXXX UNTIL XX/XX/XXXX I paid this company on time during these months and i continued to pay them to this day on time this information is totally inaccurate. 

Company Name : XXXX XXXX XXXX Account : XXXX & XXXX Date Open : XX/XX/XXXX
Consumer complaint received 2017-06-08
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. (GA)

I sent a letter to  XXXX   XXXX   XXXX   XXXX  asking them to verify  XXXX  liens that are showing on my credit report. They responded that they do not report lien to the credit company. I have attached their letters.     I then sent a letter to Transunion asking them to verify the same  XXXX  liens on my credit report and they sent a letter back stating that it was verified.     If  XXXX   XXXX   XXXX   XXXX  does not report to the TransUnion, I 'd like to know how did Transunion verify that the information they are reporting is accurate and with whom did they verify this information?
Consumer complaint received 2016-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GRANITE STATE MANAGEMENT & RESOURCES (IL)

my student loan is in good standing. no late payments. It was removed from XXXX credit report only. this has affected my credit score. I called them but no change. 
It was amazing this happen on the day i applying for a loan. I believe this was done deliberately. 
this was an underhand interference and calculate during the time of applying for a loan. The loan was denied.
Consumer complaint received 2020-07-21
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)

On XX/XX/2020 I got a notification that my account with enhanced recovery was updated to settled in full and at a XXXX balance then on XX/XX/2020 I got another update that transunion added it back. They are telling me they never updated it to paid and because XXXX XXXX is a third party they dont have anything to do with what they update. Problem is XXXX XXXX gets the information from transunion and it wasnt just XXXX XXXX it was on myFICO as well as XXXX XXXX and XXXX XXXX and a few other apps that get information from transunion. How could all of these apps get information from the same source and transunion say they never received it. How can this happen with my XXXX XXXX account as well as XXXX. And get transunion is not taking responsibility for the errors that they are reporting after they already showed that I paid these companies. I am trying my best to pay off my debts and get my credit in order and they literally just made myFICO score drop 44 points because something is wrong with there system.
Consumer complaint received 2017-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2017 Transunion had removed the following items from my credit report : A collection account from XXXX {$230.00} Inquiries from : XXXX No proper notification of the deleted information being reinserted was provided and per the laws that protect me as a consumer this is a blatant violation and I demand that the items swiftly be removed from my credit report and all adverse effects to my credit history be remedied immediately.
Consumer complaint received 2022-09-14
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. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-09-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (CA)

XX/XX/2022 XXXX told me national credit account number XXXX have verified my account I asked XXXX and national credit to provide me with method of verification everyone failed to do that why would I have to wait 30 plus days for information that you claim you have already
Consumer complaint received 2018-07-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Disputed with the XXXX XXXX XXXX  XXXX, XXXX, TX XXXX on XX/XX/2018. Company received my disputes on XX/XX/2018 as it shows according to the certified mail with UNITED STATES POSTAL SERVICES. It is now XX/XX/18 and I've yet to hear back from XXXX. The FCRA gives the company 30 days to respond, I have not gotten a response. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. This account CAPITALONE in the amount of {$3000.00} needs to be DELETED immediately for not following FCRA rules and regulations in a timely manner. This such debt has never been verified I have not received anything in the mail XXXX is not responding to my correspondence.
Consumer complaint received 2021-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Account Name : BK OF AMER Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$110.00} Reason : Identity theft Please remove it from my credit report
Consumer complaint received 2017-08-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (MI)

On XXXX XXXX 2017, I requested verification from this company of the debt that they claim I owe. They never responded to me, nor did they provide me with the requested verification. It has been 88 days since I requested this information and they have yet to respond to me. The alleged amount owed is {$28.00} yet I was never made aware of this debt.
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Consumer Finance, Inc. (PA)

United Consumer Finance is inaccurately reporting an alledged debt in the amount of XXXX on my Experian credit report that is inaccurate and injurious to my credit rating and overall l financial status. I have sent United Consumer Finance a validation notice under The Fair Debt Collection Practices Act Section XXXX via certified mail return receipt requested on XX/XX/2018 Article # XXXX XXXX XXXX XXXX XXXX. 
I disputed with credit bureau ( s ) and it was illegally verified by United Consumer Finance. 
The alledged truncated account number reporting on XXXX   credit report is XXXX want this inaccurate, injurious, erroneous information removed immediately from my XXXX credit report. 
.
Consumer complaint received 2017-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (NY)

American Express increased my rate on my card ( a/c XXXX ) from the regular rate of 10.99 % to the default rate of 29.99 % due to a one-time, 2-day late payment. My understanding of the Credit Card Act 2009 ( Sec 171 ) is that default interest is supposed to only be charged after the payment is 60 days late. I believe that they are not acting within the Federal Laws applicable to the account.
Consumer complaint received 2017-06-07
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. (VA)

I signed up for XXXX XXXX to validate my credit information. At the time in XXXX XXXX I found four items that were incorrect on my XXXX credit report. I immediately, did an online dispute for the four incorrect items. 30 days later, I received an email from XXXX XXXX notifying me that three of the four items were removed. The XXXX item was not removed as the company stated that the item was indeed correct and mine. I called, XXXX and spoke with an associate who submitted a new dispute for me requesting that the company, XXXX XXXX provide me with proof that the item belongs to me. The dispute was done on XXXX on X/X/17, I received and email from XXXX stating the dispute was complete and that the item was confirmed by XXXX XXXX. <P/>I called XXXX XXXX on XXXX/XXXX/XXXX and was transferred four time to no avail. On XXXX/XXXX/XXXX. I called XXXX XXXX again and finally spoke with XXXX in the personal loans department. I explained to XXXX that I was trying to get information on an item listed on my credit report that I know is not mine. I advised that my credit report lists the item as an Automobile loan with a partial account number of XXXX though when I spoke with someone from XXXX XXXX in auto loans they could not help me. <P/>XXXX advised me as follows : The loan is actually a secured personal loan and was opened XX/XX/XXXX. He also stated that an automobile was used as collateral. I asked him to advise me of the make and model of the car used as collateral but he could not tell me.I asked for proof that this account belongs to me ; a copy of the signed document in an effort for me to compare signatures, XXXX placed me on hold to confer with his supervisor. XXXX came back to the line and asked for my address as he had to submit a formal request to have the documents mailed to my address. XXXX was not able to could not provide an eta on how long it will take to receive the documents or what the documents will consist of. <P/>Please help me as I am certain that I did not open a secured loan with XXXX XXXX in XXXX. XXXX XXXX is unable to provide me with any proof that the account belongs to me. <P/>Thanks in advance. XXXX XXXX
Consumer complaint received 2019-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

PULL MY CREDIT REPORTS SEEN THIS DEBT ON MY REPORTS. DEBT IS NOT MINE, HAVE NO KOWLEDGE OF THIS DEBT. IF THIS COLLECTTION COMPANY CAN NOT PROVIDE ME THE ORIGINAL IFORMATION ABOUT THIS DEBT OR ACCOUNT. THIS DEBT SHOULD BE DELETE FROM ALL 3 MAJOR CREDIT BUEAURS. THANKS
Consumer complaint received 2019-06-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX XXXX, I received a legal settlement of approximately {$56000.00} that was deposited into my Bank of America checking account. It was from a XXXXage discrimination case due to me having XXXX XXXX. Bank of America immediately debited approximately {$23000.00} from that account to pay the entire balance on my XXXX Visa card that was on a payment plan. No communication happened from Bank of America prior. 

Bank of America claims I personally secured the corporate Visa Platinum card, and accessed my Social Security number from my personal account. I would NOT personally secure it to the extent such would be like a personal loan, secured by my checking account. My corp. had a FEIN number that is most likely what I used. Otherwise, why have a corporation. And why would Bank of America give me a platinum card with a $ XXXX limit had my credit score not justified it. 

My neighbor is a XXXX XXXX bank auditor, and stated what B of A did to me was illegal.
Consumer complaint received 2017-08-01
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)

I have recently become a victim of identity theft and have been in the process of cleaning up my credit report, however I am having a difficult time having Transunion remove XXXX unauthorized credit inquiries from my credit report. I have already contacted Transunion and filed the dispute and I wrote letters to the companies that did not have my permission to pull my credit. I do n't know why Transunion will not remove them. Today is XXXX XXXX, 2017 and the inquiries are still on my report. I would like them removed immediately. The XXXX inquiries in question are 1 ) XXXX XXXX pulled on XXXX XXXX, 2017 and the 2 ) XXXX XXXX pulled on XXXX XXXX, 2017. Please remove these from my file as I did not authorize any pull of credit.
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

In early XX/XX/XXXX I received a notice from XXXX XXXX that my account was closed sue to a payment that was " returned due to Customer Advises Not Authorized ''. The letter was dated XX/XX/XXXX. I have two homes and this mail was sent to my home that I was not back to until early XXXX. Normally my mail is forwarded but this letter did not arrive at my alternate address. I had no idea the payment was declined and not authorized. While I was traveling in XXXX my Bank declined several charges on my account because of transactions that were out of my pattern of spending. I had no idea this payment had been declined. As soon as I got the notice I called XXXX to pay the full balance to avoid a bad report on my credit. On XX/XX/XXXX they accepted a phone payment of {$370.00} to pay the balance in full. This transaction is on my Bank Statement as being processed by XXXX XXXX XXXX onXX/XX/XXXX and they assured me it would not reflect negatively on my account. Subsequently I was contacted by XXXX XXXX XXXX. I explained the situation and they said I still had to pay them because the account had been turned over to them to handle. I order to settle the matter I paid XXXX the {$370.00} by phone on XX/XX/XXXX. That is reflected on my Bank statement onXX/XX/XXXX. As you can see I paid this balance TWICE! I thought the matter was settled until I recently applied for a credit card - the first time since this incident. I was turned down and got a copy of my credit report and discover that XXXX is reporting my account as " Charge off '' but the details show the {$370.00} was paid. In another area they report " Purchased by another lender ''. XXXX shows the account as paid and I have a letter from them stating that it would be reported as paid and closed. When I talk to the Experian they refer me to XXXX. They have nothing in their records until I press the matter and ask for a supervisor - they they find the details and refer me to XXXX. When I talk to XXXX they refer me to XXXX. I have paid this account off twice and should not have it on my Credit report that it was charged off. I have made two disputes to this to no avail and have started another. I have supplied Experian with all of the information. XXXX is NO HELP AT ALL.
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

In early XX/XX/XXXX I received a notice from XXXX XXXX that my account was closed sue to a payment that was " returned due to Customer Advises Not Authorized ''. The letter was datedXX/XX/XXXX. I have two homes and this mail was sent to my home that I was not back to until early XXXX. Normally my mail is forwarded but this letter did not arrive at my alternate address. I had no idea the payment was declined and not authorized. While I was traveling in XXXX my Bank declined several charges on my account because of transactions that were out of my pattern of spending. I had no idea this payment had been declined. As soon as I got the notice I called XXXX to pay the full balance to avoid a bad report on my credit. On XX/XX/XXXX they accepted a phone payment of {$370.00} to pay the balance in full. This transaction is on my Bank Statement as being processed by XXXX XXXX XXXX on XX/XX/XXXX and they assured me it would not reflect negatively on my account. Subsequently I was contacted by XXXX XXXX XXXX. I explained the situation and they said I still had to pay them because the account had been turned over to them to handle. I order to settle the matter I paid XXXX the {$370.00} by phone onXX/XX/XXXX. That is reflected on my Bank statement onXX/XX/XXXX. As you can see I paid this balance TWICE! I thought the matter was settled until I recently applied for a credit card - the first time since this incident. I was turned down and got a copy of my credit report and discover that XXXX is reporting my account as " Charge off '' but the details show the {$370.00} was paid. In another area they report " Purchased by another lender ''. XXXX shows the account as paid and I have a letter from them stating that it would be reported as paid and closed. When I talk to the XXXX they refer me to XXXX. They have nothing in their records until I press the matter and ask for a supervisor - they they find the details and refer me to XXXX. When I talk to XXXX they refer me to XXXX. I have paid this account off twice and should not have it on my Credit report that it was charged off. I have made two disputes to this to no avail and have started another. I have supplied XXXX with all of the information. XXXX is NO HELP AT ALL.
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I was in XXXX XXXX XXXX the other day buying a handbag and one of the sales representatives persuaded me to sign up for a store card. It was crazy I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. Ive contacted the FTC and the police. Im doing this on my own behalf. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX
Consumer complaint received 2017-03-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I 've been a victim of identity theft and someone tried to obtain credit using my name There are several inquires on my credit report as of result of that and I 've tried calling and disputing these inquires with the credit bears and they are not helping despite the fact I have been a victim of identity theft. They only thing they did is they 've put a fraud alert on my credit file but not willing to remove the inquires which hurt my credit. Please helming thanks.
Consumer complaint received 2018-05-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc. (TX)

I called the debt collector to figure out what was the amount of debt in my account but did not match what I am currently seeing under XXXX XXXX. They argued that I will have to pay the amount they are showing regardless and I refused because under FDCPA Section 807 ( 2 ) they Misrepresenting the character amount, or legal status of the debt. I asked for my account # because I wanted to start a dispute using XXXX XXXX and they question me on why I needed it with an attitude. The debt collector then said " I make sure to put the new debt on your credit report so you have no other choice other than to pay it.
Consumer complaint received 2017-06-07
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. (TN)

In XX/XX/XXXX I received a notice from XXXX XXXX that my account was closed sue to a payment that was " returned due to Customer Advises Not Authorized ''. The letter was dated XX/XX/XXXX. I have two homes and this mail was sent to my home that I was not back to until XX/XX/XXXX. Normally my mail is forwarded but this letter did not arrive at my alternate address. I had no idea the payment was declined and not authorized. While I was traveling in XX/XX/XXXX my Bank declined several charges on my account because of transactions that were out of my pattern of spending. I had no idea this payment had been declined. As soon as I got the notice I called XXXX to pay the full balance to avoid a bad report on my credit. On XX/XX/XXXX they accepted a phone payment of {$370.00} to pay the balance in full. This transaction is on my Bank Statement as being processed by XXXX XXXX XXXX on XX/XX/XXXX and they assured me it would not reflect negatively on my account. Subsequently I was contacted by XXXX XXXX XXXX. I explained the situation and they said I still had to pay them because the account had been turned over to them to handle. I order to settle the matter I paid XXXX the {$370.00} by phone on XX/XX/XXXX. That is reflected on my Bank statement on XX/XX/XXXX. As you can see I paid this balance TWICE! I thought the matter was settled until I recently applied for a credit card - the first time since this incident. I was turned down and got a copy of my credit report and discover that XXXX is reporting my account as " Charge off '' but the details show the {$370.00} was paid. In another area they report " Purchased by another lender ''. XXXX shows the account as paid and I have a letter from them stating that it would be reported as paid and closed. When I talk to the XXXX they refer me to XXXX. They have nothing in their records until I press the matter and ask for a supervisor - they they find the details and refer me to XXXX. When I talk to XXXX they refer me to XXXX. I have paid this account off twice and should not have it on my Credit report that it was charged off. I have made two disputes to this to no avail and have started another. I have supplied XXXX with all of the information. XXXX is NO HELP AT ALL.