davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

debt was a medical bill for daughters XXXX XXXX I had to fight with insurance company to get the money which was put into collections. This was paid and still it shows XX/XX/XXXX it was not. I have letter stating it will not be reported
Consumer complaint received 2018-09-18
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. (SC)

On XX/XX/2018 Transunion is verifying an account as accurate on my Credit Report with the Agency name XXXX XXXX XXXX XXXX XXXX  but the Credit information disputed is XXXX XXXX. I have never owned an account from an agency named XXXX XXXX or XXXX XXXX XXXX XXXX XXXX. This information is Wrong please fix this problem Thanks.
Consumer complaint received 2019-11-01
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. (AL)

I am trying to get this matter resolved in a cordial manner and have done what was asked of my by submitting dispute letters and a power of attorney and still there has been an unsatisfactory solution to my dispute. Recently a balance was changed on a XXXX account that I do not currently have and have never had. This fraudulently action is unacceptable and should be rectified immediately.
Consumer complaint received 2019-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (OH)

I received a notification through my credit monitoring service on XX/XX/19 that Citibank had performed a credit inquiry which I had not authorized, dated XX/XX/19. I disputed the inquiry with XXXX on XX/XX/19, and on XX/XX/19, XXXX advised that they would not remove the inquiry without Citibank 's approval. I contacted Citibank on XX/XX/19 using the phone number provided by XXXX. Citibank advised at that time that the account had been closed as a fraudulent application, and I would not receive a card or bill in the mail. On XX/XX/19, I requested a fraud alert through the credit agencies. On XX/XX/19, I received an unsolicited Best Buy credit card in the mail from Citibank. On the same day, I sent them a letter provided by the FTC outlining the situation and requesting confirmation within 30 days that the situation had been resolved. On XX/XX/19, a Citibank credit card appeared on my credit report with a balance of {$2300.00}. On XX/XX/19, I received a second Best Buy credit card, with a new card number. On XX/XX/19, I contacted Citibank again, who advised that the account had not been closed or marked as fraudulent ; they then claimed that it had been closed " properly '' and forwarded to their fraud team. On XX/XX/19, I received a bill from Citibank in the amount of {$2300.00}, along with a letter saying the amount had been disputed and did not need to be paid. No further confirmation has been received from Citibank confirming that the unauthorized charges have been removed, or that they will no longer attempt to collect on the fraudulent balance.
Consumer complaint received 2023-06-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (RI)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2021-10-07
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. (CA)

SEE ATTACHED DOCUMENT OF MY STATUES MAILED XX/XX/2021, ALONG WITH FTC REPORT. ITEMS REMAIN IN THE SAME STATUS.
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX, XXXX, and Experian all have information on my credit report stating that the age of my credit score is between 1-3 years which negatively impacts my score. I have a paid off car loan that is in excellent standing that was opened in XX/XX/XXXXthat none of these 3 XXXX companies will put on there, BUT they sure will put information that's not mine like credit inquiries that don't belong to me and charge me for $ 75.00+ for experian.com or XXXX that I never signed up for. That in itself is fraud! They also will keep addresses on there that are not mine and names that aren't mine and credit inquiries that I never authorized. WHO MADE THEM THE AUTHORITY ON CREDIT SCORES??? AND BY THE WAY, they sure can let our personal info be leaked to every person on the big black web can't they?? They couldn't protect a dog collar 's information from a blind person in Braille.
Consumer complaint received 2018-09-18
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: WASHINGTON FEDERAL BANK (WA)

I had recently gottten my credit run and pulled by XXXX XXXX and XXXX XXXX XXXX. I was told I am not qualified to open an account due to what WASHINGTON FEDERAL BANK XXXX XXXX BANK had REPORTED to XXXX and to the credit companys. 

As soon I was notified of this information I knew it was incorrect and as I am a victim of Identity theft and I have gone through similar problems I knew that this was not me and I had Never banked with Washington Federal Bank or XXXX I have been with XXXX XXXX since 2004 and my home mortgage is also through them and I continued to stay with them. 

I had contacted Washington Federal Bank Immediately via phone and I received NO HELP at all in fact I was told an Attorney can contact them if I thought this was Fraudulent. I then went into the Bank at Washington Federal in XXXX WA ( new location ) and submitted all my documents which included ID Theft Affidavit, Police Report, Credit Freeze showing proof that my credit is on freeze and alert, Social Security Letter showing that I notified SSA, Federal Trade Commission Report and more. I was rejected again and again. 

I also went into XXXX and gave them all the documents, told them I never banked with them and someone is using my Identity. I was ignored and no one helped. 

I am XXXX XXXX XXXX XXXX ( XXXX ) for XXXX as a XXXX XXXX XXXX and my credit, my Identity and my value and worthiness is very important to me. I have had continues ID theft and its very hard for me to stop this without any help even after submitting countless amounts of documents. I am very tired of this and need Washington Federal Bank and also XXXX to please remove me off their XXXX and also notify XXXX that this is an error on their end.
Consumer complaint received 2018-09-18
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. (NY)

XX/XX/2018 XXXX XXXX should have been deleted permanently XX/XX/2018 XXXX XXXX XXXX should have been deleted permanently XXXX as well should have been deleted permanently
Consumer complaint received 2020-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (CA)

XXXX of 2020, while I was XXXX, I had set up an automatic payment for my credit card with Suntrust. It seems like it did not go through and for some reason, it now shows that I am delinquent 30 days. I made a payment to catch up, but it is still reporting to the credit agencies. Request this information be corrected on my credit report since I was XXXX and from looking at my report, I have no other delinquent payments through them.
Consumer complaint received 2018-09-18
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. (LA)

Equifax, XXXX, and XXXX all have information on my credit report stating that the age of my credit score is between 1-3 years which negatively impacts my score. I have a paid off car loan that is in excellent standing that was opened in XX/XX/XXXX that none of these 3 XXXX  companies will put on there, BUT they sure will put information that's not mine like credit inquiries that don't belong to me and charge me for $ 75.00+ for XXXX or XXXX that I never signed up for. That in itself is fraud! They also will keep addresses on there that are not mine and names that aren't mine and credit inquiries that I never authorized. WHO MADE THEM THE AUTHORITY ON CREDIT SCORES??? AND BY THE WAY, they sure can let our personal info be leaked to every person on the big black web can't they?? They couldn't protect a dog collar 's information from a blind person in Braille.
Consumer complaint received 2018-09-18
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. (NY)

XX/XX/2018 XXXX XXXX should have been deleted permanently XX/XX/2018 XXXX XXXX XXXX should have been deleted permanently XXXX as well should have been deleted permanently
Consumer complaint received 2018-09-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (IL)

My name is XXXX XXXX and on XX/XX/2018 I opened a XXXX XXXX savings account with American Express XXXX XXXX. Over a period of two months I deposited {$300.00} dollars into the account and set an automatic payment option into the online system to deposit {$100.00} per month. The money has been deposited each time per this automatic payment. 

I recently logged into the account to find my account was closed, despite my continued depositing of automatic payments. I have called American Express XXXX XXXX   multiple times and they simply state my account was never opened. If I log into the American Express XXXX XXXX Website, it states my account is closed. However, when I check under XXXX XXXX, it states the account was opened on XX/XX/XXXX and my external banking source ( XXXX XXXX XXXX ) was linked. My bank statement from XXXX XXXX XXXX also shows this money being transferred to XXXX XXXX XXXX. 

Since the account was closed, I have not received any of the funds I transferred into this account.
Consumer complaint received 2021-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CHOICE RECOVERY XXXX Balance {$220.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2020-01-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (NC)

Thank you for your correspondence which was forwarded to the FDIC by the Office of the Comptroller of the Currency ( OCC ). You indicated MoneyLion drafted checks out of your XXXX XXXX XXXX account causing overdrafts. You further stated MoneyLion owes you {$280.00} and refuses to return the funds and allow you to close the account.. Moneylion also states they dont have a account in my name yet report to my credit file monthly
Consumer complaint received 2018-09-18
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. (LA)

I FILED A IDENTITY THEFT AFFIDAVIT AND REPORTED THE FRAUDULENT ACCOUNTS TO THE CREDIT BUREAUS, EXQUIFAX, XXXX AND XXXX. 
I MAILED THE AFFIDAVITS ON TWO DIFFERENT OCCASSIONS. I HAVE BEEN WAITING FOR 3 MONTHS. THOSE ACCOUNTS, ADDRESSES AND INQUIRIES ARE STILL ON MY CREDIT REPORT. 
IT DOESN'T TAKE 90 DAYS TO INVESTIGATE IDENTITY THEFT. I FEEL AS THOUGH, MY PAPERWORK HAS BEEN PUSHED ASIDE. 
THIS IS UNFAIR TO ME AS A CONSUMER AND VICTIM. 
I NEED HELP ADDRESSING THIS PROBLEM. 
THE CREDIT BUREAUS ARE NOT TREATING ME FAIRLY.
Consumer complaint received 2023-06-06
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. (CA)

Based on my file i see inaccurate information on my report showing nevagtive items that needs to be removed. 

these accpunts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) in general Subject to subsection ) c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) Inaccordance with the writtne instruction of the consumerto whom is relates. I NEVER GAVE ANY CONSUME REPORTING AGENCY WRITTEN CONSENT to report anything on my consumer report which violated my rights as a federal protected consumer.

15 U.S CODE 1681c- 2 a consumer reporting agency shall block the reporting ofanyinformation in the file of a consumer that the consumer identiflies as information that result from an alleged identify theft, not later than 4 business days after date of receipt. 

Account name : XXXX Account number XXXX date open : XX/XX/XXXX Account name XXXX XXXXXXXX XXXX XXXX Account number : XXXX Date Open : XX/XX/XXXX Acciunt name : XXXX XXXX XXXX  Account number : XXXX Date opened : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-06
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. (TN)

On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes and concerns. Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted.
Consumer complaint received 2019-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NC)

When I originally opened my XXXX credit card with XXXX XXXX, it carried no annual fee. When XXXX switched to Barclay 's MasterCard, it switched over to a card with a {$40.00} annual fee. Last year, I called because I did not want to pay an annual fee. I asked to downgrade my card to the Barclay 's XXXX card that had no annual fee. 

The representative told me that instead of downgrading my card, they could instead waive the annual fee, as my card offered me more perks than the no-annual fee card. I was also told that if the following year, I was not happy with the additional perks, that I could then downgrade my card. 

Now, I just saw that it was time for them to charge me an annual fee. I called up and asked to have my card downgraded to the no-annual fee card, as I was told I could do, if I wasn't satisfied with the additional perks offered for my level of credit card. However, unlike the assurances I was provided last year, now I am being told that there were no " offers '' available to downgrade my card. If I wanted the no-annual fee card, I would need to close my current account and apply for this new card. So now, my options are either to pay their {$40.00} annual fee or close my account/open a new account, which would have a negative impact on my credit score. 

I was lied to and believe this is a classic bait-and-switch tactic by the credit card company.
Consumer complaint received 2017-08-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

I was charged an overdraft fee and I do n't understand why. There were some trial deposits sent by my other bank and taken out on the same day to create a link. This should not have caused an overdraft. Please refund the {$37.00} overdraft fee charged. Thank you
Consumer complaint received 2021-10-07
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-06-06
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. (CT)

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-24
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: Fidelity National Information Services, Inc. (FNIS) (CA)

My identity was stolen and someone opened a checking account at XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX Acct # XXXX I disputed this with XXXX  XXXX XXXX and they said that since they didn't receive the original documents as I submitted my complaint online, that they ruled against me. I also filed a complaint with XXXX XXXX and they said that the information XXXX XXXX XXXX was deemed accurate. This is on my credit report as well as XXXX XXXX   report therefore preventing me from opening my own account. I have done all I could do and now there is no other option.
Consumer complaint received 2024-03-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (GA)

I have mailed a letter to the collection agency via certified mail asking for validation of the debt they say I owe to them of {$220.00}. I mailed the letter on XX/XX/2024 and have not received any correspondence for the debt collector or the original contract bearing my wet ink signature. However the debt collector update for the month a XXXX that I was past due while in dispute.