davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-20
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. (GA)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Consumer complaint received 2018-04-06
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CA)

I requested an economic hardship forbearance that was approved initially. Still made a small payment after, between XX/XX/XXXX &XX/XX/XXXX Navient added remarks to my credit report that I was affected by a natural disaster & it cause my credit score to drop 20 points ( I have not been affected by a natural disaster in any way ). Called customer service & was told that they were removing the forbearance, but it wouldn't be updated until the end of the month & also my account would be marked as delinquent. I'm in the process of trying to buy a home and I have to suffer for their error.
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2017-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This account was previously removed. According to FCRA I am suppose to receive a 5 day notice before the account is reinserted. Please remove the XXXX XXXX XXXX XXXX from my report. You are in violation of the FCRA.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EOS Holdings, Inc. (MD)

This reporting agency is reporting on my credit. I have no idea who this is and never had XXXX. I contacted them directly and they would not help identify how or what this bill was. 
I requested proof regarding this account and she denied me. XX/XX/2020 when called. She then hung up on me and said good luck.
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Great American Finance Co (TX)

We purchased furniture at XXXX XXXX who stated we were approved for a line of credit through Great American Finance back in XX/XX/2020. My husband contacted GAF at to see when payment will be due he was told that statement wasnt generated it can take up to 45days for first statement to generate and that we will receive statement in the mail of when payment is due and the amount. We never received statement we have been staying at the same address since we acquired the furniture.We then reached out to GAF in XX/XX/2020 regarding not receiving statement and how it shows they have been reporting late payments/nonpayments since XX/XX/2020. I made a {$300.00} payment at that time, as well as provided the correct address-and asked rep if late payments can be removed since we never received statement rep stated no we would just need to make payments here on out to avoid further negative reporting. Still to this day have not received a statement at my correct address. I have tried to settle this acct for what I deemed reasonable. I dont think its fair that GAF can report negatively on someones credit when they have not provided them with the correct information to pay the bill on time. The address they have on record is still not the correct address after providing them with the correct address.
Consumer complaint received 2021-09-03
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: Experian Information Solutions Inc. (TX)

its been over 90 days and incorrect information is still being reported on my credit report. I have not heard from Experian, XXXX  or XXXX!
Consumer complaint received 2024-02-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Forster & Garbus LLP (NY)

I contacted XXXX regarding a debt listed on my credit report from XXXX. XXXX gave me the phone number to contact XXXX XXXX XXXX at XXXX. I indicated I wanted validation and verification of the debt they were attempting to collect. XXXX gave me the number for Foster & Garbus to contact regarding the debt. The gentleman I spoke to not once listened to the reason for my call and was very rude. after 5 minutes he finally listened. I told him I need validation and verification before I could resolve the debt to make sure that company was legitimately accurate to speak about my personal business. He then gave me the number to speak to Compliance at XXXX. The woman on the phone said that was not the correct department to speak with to get validation. She transferred me to a gentleman who was very argumentative and refused to take my new address to send the validation response. I also notified him that If they were legitimate then I would like to settle the account. He then told me, " No settlement, and I need payment in full. I asked him if he is refusing to settle my account, he said I can not. This business has poor customer service and are very argumentized. I wanted information and a written agreement when I do settle the account accurately and they told me about no information in writing. Therefore, they are refusing to resolve this matter.
Consumer complaint received 2022-01-07
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. (TX)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-09-03
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: AMERICAN EXPRESS COMPANY (FL)

Submitted a timely dispute for a purchase dated XX/XX/2021 for {$320.00} from XXXX XXXX XXXX XXXX. Initially, I only requested a billing adjustment for half of this amount amounting to {$160.00}. The air conditioning service received in my home was less than adequate, I made the company aware of this and filed a XXXX  XXXX XXXX complaint. On, XX/XX/2021, the company sent an email advising they are crediting the full amount of {$320.00}. On, XX/XX/2021, I reached out to American Express chat to amend the dispute to reflect {$320.00}, not knowing if the merchant is going to follow through with the credit. The lazy representative did not follow through on my request.
Consumer complaint received 2020-08-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I applied for a checking account through this link that advertises a {$200.00} sign up bonus : https : //www.huntington.com/checking-account-promotions-bonuses-offers After waiting over 90 days after I met the terms, I still did not receive the bonus. After chatting with an agent, they opened an investigation and concluded that the promo was " not attached to my account '' and would not be honored. 

I clicked through the link that was published on their website, met the terms, then they will not pay the bonus that was advertised, so this is very frustrating.
Consumer complaint received 2021-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I went to XXXX 's website and requested a credit report for the first time and they couldn't pull one on me but had enough info to do a fraud alert initially. I am the victim of identity theft scam and fraud and financially vulnerable. I believe I should get a exited fraud alert and a security freeze with them and copy of my credit report for free all done. I am in am also the victim of a violent assaults crime where as to there my address is confidential where as to my residence. the credit beau 's and banks and credit company 's and ssa all have to abide by that state and federal statue. and seal my residence address completely. to and redact it off any credit file or baking account.
Consumer complaint received 2021-07-20
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Consolidated Management Group, LLC (CA)

A company named " consolitated management '' based out of XXXX AZ keeps calling my place of work ( will call 10-15 times an hour ) from multiple numbers saying I owe XXXX on a debt from XXXX. I have checked my credit report and the company they claim I owe is on there. There is a specific number ( XXXX ) that calls alot and today " XXXX XXXX '' called. He was screaming, using profanity, called me a XXXX  and a XXXX, and that he was a " locator '' coming to process me with papers for " breach of fraud ''. I have talked to attorneys and they told me this company is bogus and that the multiple calls, threatening of processing, and the harassing and XXXX calls are against the law. The " corporate '' office number is XXXX. I told them that they need to send me a certified letter since I have never gotten anything about this before, and " XXXX XXXX '' at the corporate office told me that the paperwork is what the locator is trying to serve me with, that he can not send me anything, and that not all companies that collect your SSN will report to the credit bureaus. 

I just want their calls to end and quit harassing me.
Consumer complaint received 2018-04-06
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC (OH)

Contacted me multiple times for a debt I settled with a previous collection agency. Also contacted my mother more than once without her permission to contact her after the first time. They were sending mail to the wrong address due to a typo on their end so now other individuals have access to my information. After making sure this was a debt I took care of I called back to question why myself and my mother have been receiving calls from them on something settled and they wanted me to confirm my social security number. Knowing of all the scams that take place with this kind of stuff I was uncomfortable confirming my information. I told them that was not needed they just needed to stop contacting me and especially my mother because she did not give them permission and that was against the FCRA. The lady on the phone hung up on me after I said that.
Consumer complaint received 2021-07-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (MD)

15 years ago, while living in XXXX Illinois I had a 5/3rd account, chec/ saving with overdraft protection. I over drafted my checking by XXXX cents I was notified by 5/3rd that I had 24 hours to bring account current, please note there was 10-15 dollars in savings account during this time. I went to ATM in XXXX XXXX and put XXXX dollar into checking account for the XXXX cents. I contacted Vp of account services XXXX XXXX or XXXX for XXXX XXXX and my banker on XXXX XXXX and XXXX XXXX XXXX. Now 5/3rd is suing me with threats about shutting down my checking privileges due to their error. I have tried calling staff wont give corporate number or contacts, refusing to give appropriate info, letter written to XXXX XXXX or XXXX. Their lawyers number is XXXX XXXX now they are saying I over-drafted my account by over XXXX. 5/3rd was paid their XXXX cents in a timely manner and they kept the money in accounts when I closed them years ago. Please help!!
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)

XXXX  XXXXDispute  XXXX  XXXXXXXXDispute   XXXX  XXXX  XXXX XXXX  XXXXUnder Dispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute Chapter XXXX bankruptcy dischargedUnder Dispute all ftc violations sent over to all companies
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: EQUIFAX, INC. (NY)

Hey I got a letter in the mail dated XX/XX/2019 saying I applied for a credit card and said denied. I did not apply for this card this was fraud. I did not approve of any authority to request this card for XXXX XXXX. I called XXXX today XX/XX/XXXX to get to the bottom of this and told them it's fraud. They said best to dispute this and that they will try to remove it as soon as possible since this was not authorized by me nor did I sign anything.
Consumer complaint received 2021-09-17
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: The Bureaus, Inc. (OH)

I have contacted The Bureau and XXXX XXXX on a matter that pertains to my credit. I have been a victim of fraud. I sent The Bureaus and XXXX XXXX a copy of my FTC affidavit via certified mail. I have an account on my credit that I did not open nor did I authorize. Prior to sending the affidavit I sent a letter to The Bureaus and XXXX XXXX to remove this fraudulent information from all three credit bureaus ( XXXX, XXXX, XXXX ) and The Bureaus and XXXX XXXX disregarded my request. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay The Bureaus and XXXX XXXX collection agencies could not provide that information. I want this information removed IMMEDIATELY!
Consumer complaint received 2021-04-28
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)

Disputes have been sent to Equifax, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There are inquiries that are the result of identity theft and an account with XXXX XXXX 's. Copies of my driver 's license, social security card, utility bill, Identity Theft Police Report, notarized FTC Identity Theft Victim 's Complaint and Affidavit, and a letter from XXXXXXXX XXXX that indicates that account was fraud.
Consumer complaint received 2021-04-30
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. (NY)

On XX/XX/XXXX, I received my annual credit report ( via mail ) from Experian ( report # XXXX ). The report contained an account from XXXX XXXX which was reported on my credit report in XX/XX/XXXX, for the first time ( since XXXX ). I noticed that inaccurate and/or incomplete information had been reported. On XX/XX/XXXX, I disputed the inaccurate/incomplete information on this report. The information I disputed was ; ( 1 ) Inaccurate charge off date, causing the account to appear as being re-aged. The account was charged off, closed and sent to a collection agency in XXXX. The account was paid in XX/XX/XXXX and there can not be a charge off date after an account has been paid, ( 2 ) Inaccurate high balance amount ( discrepancy in amount reported, on billing statement and amount paid to settle account and ( 3 ) There was hardly any history reported on this account that was opened in XXXX. The results from Experian 's investigation ( report # XXXX ) were sent on XX/XX/XXXX ( online ). Experian states that the information in the account was updated but the only change I saw was, " Type '' of account. It was previously reported as a " charge card ''. Now it is being reported as " unsecured. '' The reason for this complaint is that the inaccuracies still exist even after their investigation. I have attached documentation that support my claim that the inaccurate/incomplete information I disputed is truthful and in fact still being reported on my credit report. The inaccurate/incomplete information that is still being reported is ; ( 1 ) The account was a charge card account so it should not have been changed to " unsecured, '' ( 2 ) In " Account History, '' there still is an inaccurate charge off date ( XX/XX/XXXX ). The account was paid off before this date ( see payment to XXXX XXXX ). Also, account was closed, charged off and sent to a collection agency in XXXX ( see collection agency ), ( 3 ) The report still contains an inaccurate high balance amount of " {$220.00}. '' This conflicts with the amount shown on billing statement of {$300.00} ( see billing statement ) and the amount of {$380.00} that was said I owed on collection agency letter ( see collection agency ). ( 4 ) The account was not reported on credit report ( since XXXX ) until after I paid it in XX/XX/XXXX. This account was first reported in XX/XX/XXXX with hardly any information in regards to its history and containing the inaccuracies as mentioned.
Consumer complaint received 2021-01-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IN)

someone changed my account password without my consent. coinbase has locked me out of my account. they will not respond to any emails or advise if money has been taken out. I have {$13000.00} in this account it has been several hours. there is no way to speak with a live person. it appears this is a common practice with coinbase. I'm nervous that someone hacked my account. 
my case number are : XXXX and XXXX can someone help me.
Consumer complaint received 2021-06-30
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. (GA)

I submitted ( via certified mail ) a dispute, FTC report, and all qualifying identification information to Equifax on XX/XX/2021, regarding a fraudulent account on my credit report. The information arrived to Equifax on XX/XX/2021. 

This is the tracking number for the mailed dispute : XXXX. 

The fraudulent account in question, is XXXX XXXX XXXX ( Auto ). 

I reached out Equifax to check the status of my dispute on XXXX XXXXXX/XX/2021 @ XXXX. I was informed that my dispute was still in progress ( even though bureaus must block information resulting from identity theft within four business days ), and to check back on XX/XX/2021. 


I called Equifax today ( XXXX XXXX ) @ XXXX XXXX. I spoke with a representative named XXXX ( employer ID : XXXX ), who informed me that my FTC report was received and valid, however she could not give me the status of my dispute. 


I am reaching out to you all to correct this issue. Equifaxs inability to report accurate and truthful information has hurt my credit score, and damaged my ability to gain employment, housing, and funding. 

Equifax has made it extremely hard to comprehend them on the phone, they transfer me repeatedly, and disclose personal information without validation. 


Please resolve this.
Consumer complaint received 2022-02-02
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. (CA)

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

These accounts are inaccurately and erroneously reported in EXPERIAN. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to EXPERIAN Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( LATE/CLOSED ) XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Balance {$0.00} ( COLLECTION ) XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Balance {$29000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$380.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX {$1700.00}
Consumer complaint received 2022-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZuntaFi Corp (LA)

I received a Bill in the mail like Ive applied for a installment loan in which I did not with the company named ZuntaFi. Ive nerve heard of such company not have I applied for any installment loan with any such company in fact, Ive already filed Bankruptcy in 2020 because of the same reason, for installment loans Ive never applied for, which damaged my credit profile tremendously. My Bankrupcy was discharged XX/XX/XXXX, XXXX, Ive had fraud alert and my credit freeze in place with all three credit reporting agencies since, and its currently in place now as of this day.
Consumer complaint received 2021-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (IL)

I filed a complaint with CFPB on XXXX about Comenity Bank and XXXX XXXX. CFPB sent me the results of the complaint after the company responded. The company me a letter saying to write them with the account number. How would I know the account number when the account was opened through Identity Theft? I would like this taken off my credit because it is affecting my credit score. The original complaint number is XXXX. Thanl you for your assistance,