davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-12
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. (IA)

Tranunion allowed an Unauthorized Hard Credit Inquiry by XXXX XXXX on XXXX/XXXX/XXXX. I wrote them on XXXX/XXXX/XXXX proving identity theft, no response. 

XXXX allowed 3 unauthorized hard inquiries XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX I wrote them proving identity theft on XXXX/XXXX/XXXX, no response.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Phoenix Financial Services LLC (SC)

I have not resided in Florida for over 3 years. This bill has a open date of XX/XX/2021. This is not my debt or this agency is in violation of the FCRA by posting old information as new.
Consumer complaint received 2021-09-17
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. (CA)

XXXX XXXX is reporting incorrect information on my credit report. 
The Date of Last Activity is incorrect./reporting different information to each credit Bureau Incorrect High Balance // is reporting different information to each credit Bureau Date opened is incorrect and varies from one Bureau to the next recently reported as opened with several missing payments //
Consumer complaint received 2017-11-12
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)

On XXXX, my late husband opened up a XXXX credit card account for himself, under his social security number. He passed away intestate on XX/XX/XXXX. I informed XXXX several times that he had passed away intestate, and that I had not ever signed a credit agreement with them. 

Recently I was notified by XXXX that they had lowered my credit limit due to a delinquent credit obligation. I have excellent credit, and this was the first time I realized that there was something wrong.
Consumer complaint received 2022-10-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ORG GC GP BUYER, LLC (MI)

On XX/XX/, XXXX, from the number XXXX, GC Services Limited Partnership called my cell phone, without my prior permission, at an inconvenient time. Your employee informed me that the call was being recorded but failed to mention that GC Services is a debt collector and he was calling in an attempt to collect a debt. Your employee then proceeded to continuously ask me to verify my personal information. I declined several times explaining to him that I dont verify my personal information with people I dont know, but I did confirm my name. He explained that he had an urgent business matter that he needed to discuss but could not proceed without verification. Again, I declined to verify the information he provided and I was asked to please hold so that I could be transferred to a supervisor. When I spoke to the supervisor she introduced herself as XXXX XXXX and also proceeded to make several attempts to have me verify my personal information without first giving me the proper disclosures required by federal law. With each response I had to reiterate that I do not verify my personal information with people I do not know and I did not give GC Services permission to call my cell phone or have access to my personal information. The call was then disconnected. Your company made me aware that this call was recorded and the evidence of these violations will be present in that recording. 
The above violations to my consumer rights proceed additional violations of the Fair Debt Collection Practices Act that I suffered from your company in your written communication that I received XX/XX/XXXX  via mail. I have sustained an additional 9 violations of the FDCPA, in conjunction with the potential of this being a fraudulent debt. GC Services is trying to claim an alleged debt that currently another debt collector, XXXX XXXX XXXX XXXX is attempting to collect. Your company has also threaten to sue and I am experiencing terrible XXXX XXXX that are agitating my XXXX and XXXX as a result of your communications with me. I am a XXXX veteran and I am a federally protected consumer and my rights have been contiguously violated ever since the initial communication by GC Services Limited Partnership.
Consumer complaint received 2022-04-06
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. (IL)

Over the past 6 weeks, I've been trying to resolve several issues with Trans Union to no avail. When I try to view my free annual credit report, I'm given an error message that I can not get into the account with my credentials. When I try to log into the site, I can not view my credit file. I have been denied credit and don't know why because I can not view my report. I tried to log into my report through a free service with my credit union ( XXXX XXXX ) and again I get error messages that my report can not be accessed. 

I've called Trans Union, more that several times and was told that I have an error 219 - this error means that MY FILE IS MIXED WITH SOMEONE ELSE 'S FILE. HOW DOES THIS HAPPEN AND HOW SCARY to know that your life is literally in someone's hands who has erroneous information about you. Each time I call, I'm told that the someone will reach out to me within 72 hours and the problem will be fixed. As stated above, it has been six weeks of the same promise of a fix and nothing. I have provided documentation of who I am and have done everything this company has asked me for and STILL NO RESOLUTION!!! 

I was alerted that I have a late payment. I spoke with my lender and they said I DO NOT HAVE ANY LATE PAYMENTS! However, trans union sent me an alert stating this. I CAN NOT ACCESS MY REPORT TO DISPUTE!!! This is UNFAIR PRACTICES and Trans Union can be SUED, according to my credit attorney.
Consumer complaint received 2021-07-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (PA)

On XX/XX/2021 I change homeowners insurance my new rate was way less. The insurance company along with my self on XX/XX/XXXX notified my mortgage company. They responded with they paid my old homeowner policy already. I ask why because I was still in the right time frame to renew or change. There response was they always pay 3 weeks in advance ( News to Me ) So anyway I ask them to adjust my mortgage and they gave me a run around that I actually followed by calling the suggested departments. Once in the right department ( Financial ) I was told they informed me that I'd have to wait a few days. It is now XX/XX/XXXX and still no adjustment.
Consumer complaint received 2019-02-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax continues to report wrong information on my credit report. I have called, done online disputes, chats, sent them notices in writing. The other 2 XXXX and XXXX have corrected the issues but equifax refuses to.
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I am filing this complaint because Equifax has ignored my request to provide me with the douments that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be cerified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2023-02-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY (TN)

In XXXX I was sought out by Wells Fargo in promising to help me refinance my property and it turned out to be a disaster. Wells Fargo promised that if I had refinanced my vehicle at the time in which was a XXXX XXXX XXXX that they could get my property refinanced as well. I refinanced my vehicle and when it was time to refinance my property, I was told that they could not help me with the services. I got stuck with an extra XXXX  years on my car loan and I lost my property. 
I did pay off the remainder of my loan on my vehicle.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A. (TN)

On XX/XX/XXXX we purchased tickets to XXXX through XXXX 's XXXX using our CITI Bank card for {$430.00}. When the charges showed up on the statement the charge was not recognized and was reported as a suspicious charge. CITI Bank removed the charge from our account. Within 20 minutes, the charge was recognized as the ticket purchase and CITI Bank was notified that it was a legitimate charge and placed the charge back on the card. When CITI Bank labelled the charge as fraudulent, XXXX 's XXXX cancelled the order and submitted a refund to CITI Bank. This occurred on XX/XX/XXXX with the refund occurring on XX/XX/XXXX ( see attachments ). CITI Bank refused the refund and the charge remained on our CITI Bank account. I called CITI Bank several times in XXXX and XXXX and CITI Bank stated that the dispute for the {$430.00} was on record and that I would not be charged any interest on this amount so our monthly payments for XXXX, XXXX, XXXX covered all expenses except the {$430.00} which remained on the statements. I continued to call to check on the dispute and had to continually re-open the dispute and walk through the issue each time all the while the charge stayed on my account accruing interest while it was being disputed. Eventually, we stopped using the card in XXXX and left the balance of the {$430.00} along with the accrued interest and fees associated with not paying the disputed amount on the card ( {$560.00} ). This balance was strictly due to CITI Banks inability to resolve the dispute by simply working with XXXX 's XXXX to re-send the refund and accept it. This is exactly what happened in XXXX. CITI Bank received the refund and in XXXX provided a credit of {$250.00} to cover the fees and interest. This seems to indicate that this dispute could have been easily resolved and not resulted in our account being considered 30 and then 60 days late. This issue is now on our credit report and has decreased our Credit Score. My understanding is that this will remain on my credit report for 7 years. This issues seems very minor and was CITI Bank 's issue and not mine and should not impact my credit score. I opened an additional dispute with CITI Bank on XX/XX/XXXX to have the report amended to remove the indication of late payment and it was denied ( see attached )
Consumer complaint received 2022-10-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I was looking at my Macy 's credit card statement and i saw a line item XXXX XXXX. I never requested this service or protection. I called the company and they will not cancel it. Apparently it has been in place multiple years. I need help to cancel and get the fees refunded.
Consumer complaint received 2019-11-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (AR)

I had a joint account with my ex boyfriend and he filed for bankruptcy in XXXX of XXXX. The account was for a water softener through synchrony bank and the remaining balance was {$1400.00} with the last payment being make in XXXX of XXXX. We agreed he would pay the bill after we split and he had to file for bankruptcy a few years later. Fast forward to now, I am trying to get any kind of information from synchrony about this account and they tell me they can't send me anything because it is in their bankruptcy department where it will stay for 5yrs, and they can't release any information about the account. I am trying to get a house built and this is showing up on my credit report as a charge off and I can't get anything from them stating what the status of this account is. I just need them to send me information about this account so I can give it to my loan officer to start construction. I have called the bankruptcy department several times and they refuse to transfer me to a supervisor so I can plead with them to send me something about this account. My name was not primary my ex was so they don't want to give me any information. I just want to build a house and they are keeping me from it. I have sent them a certified letter that they received on XX/XX/XXXX. I am waiting to hear back from them when I stumbled upon this website. I disputed this account with XXXX in XXXX of XXXX and they found it was mine but would not give me any other information.
Consumer complaint received 2019-02-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

This creditor has placed derogatory information on my credit files at least three times by changing the dates and amounts owed. I have never received notice from them about a debt. The collection just appears on my credit. Each time it appears on my credit I dispute it and it is removed. A few years ago it was removed when I disputed it with the CB 's. Last year I received a phone call from an agent from Midwest Recovery trying to verify the debt. I let her know that the account does not belong to me. She stated that she see 's where I disputed that before. I told her I did because it is not my account and I hung up. The very next day I got an alert from XXXX stating I have a new collection item from them for over {$600.00}. Before I could disputie with the CB 's it was removed within a week. Most recently XX/XX/19 it was placed on my credit again for over {$900.00}. Same company but different amount. I have filed a dispute with the CB 's again. I need information on how to prevent this company from putting this derogatory item on my credit especially without notification of a debt.
Consumer complaint received 2021-03-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NV)

I am a Bank of American customer. On XX/XX/2021 I used a Chase ATM to withdrawal {$500.00}, however, the money did not come out. I received a receipt showing the withdrawal but it stated We arent able to give you chase right now. I immediately pulled into a parking spot and called the number on the receipt but was told I had to take it up with my bank. Once I got home I called my bank so they opened up a claim to get my money back. I waited a few days then called my bank and was told Chase denied my claim indicating I got the cash out of the ATM. XXXX  XXXX XXXX then asked me to write a letter and fax the letter and ATM receipt to them so they can reopen the claim. To date, Chase has not given me back my {$500.00} so I need to take the next steps.
Consumer complaint received 2017-09-14
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. (CA)

Would like to lodge a formal complaint against Equifax for improper handling of their online security features, which then led to the breach of their systems and my information being compromised by hackers. 

See ( one of hundreds ) of news articles about the security breech. 
http : XXXX
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

So initially I was sent a text message from a place who claimed to be capital one attempting to find a security deposit on the capital one secured credit card I had applied for. I funded the security deposit or what I had thought was a security deposit of {$200.00} to this apparent credit card with the word sky in it ... Like XXXX  or something along those lines. I was told as soon as I sent the deposit I would receive the card. Have not received it yet.
Consumer complaint received 2016-09-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Andrews & Cox, P.C. (GA)

Since XXXX XXXX XXXX has been attempting to collect a debt I feel I do not owe. Since then XXXX attorneys have been contracted with XXXX to collect this debt. Although I disputed the charges and the contract, in the spirit of compromise, I was willing to pay this account in the purpose of merely to have this item eventually removed from my credit report. The scheduled payment was to be {$50.00} per month which I paid religiously every month, on time. On XXXX XXXX, XXXX the 1st payment was scheduled to be made and was paid, then immediately following that in XXXX Law turns the file over to XXXX XXXX XXXX XXXX, XXXX which I again pay on time only to have in XXXX XXXX XXXX XXXX XXXX takes over the case and there is a {$150.00} balance discrepancy which, I thought, was corrected and XXXX XXXX XXXX turns the file over to Bleeker and Brody & Andrews in XXXX XXXX, XXXX now there is a {$250.00} discrepancy in the balance that is owed. XXXX XXXX, XXXX I submitted written notification to Bleeker and Brodey & Andrews notifying them and disputing the balance. XXXX XXXX, XXXX, nearly 6 months later I receive a generic reply with no supplemental or validation of the debt was submitted along with the correspondence as required by law. XXXX XXXX, XXXX Another letter is sent to Bleeker and Brodey & Andrews disputing the balance again and submitting with my correspondence all supporting documentation including proof of all payment made up to the date of my XXXX XXXX letter. No other response was ever made again by the Law Firm. XXXX XXXX was when I received another letter from another Law Firm attempting to collect this debt and now the amount is nearly doubled in collection fees and interest.
Consumer complaint received 2022-10-07
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: Experian Information Solutions Inc. (GA)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (SD)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX RE : Barclays Bank annual fee Account number ending in XXXX FCRA Credit Bureau Disputes XXXX XXXX XXXX XXXX DE XXXX Dear Sir/Madam I opened a travel miles card with Barclays bank for travel miles in the fall of XXXX. I used the card a couple of times, paid it, and stopped using the card. I never collected the travel miles. 

I did not realize there was an annual fee. I elected for electronic statements and was not checking them as I did not use the card. I did not pay the annual fee. Barclays said this went on for 4 billing cycles. Barclays says my account now has a XXXX balance and they have reported this issue to the credit bureaus, harming my credit. 

I have called Barclays XXXX times to resolve this issue. Most recently on XXXX and again on XXXX, looking for a resolution. I offered to pay the {$99.00} if they would take this off my credit report even though I did not realize there was a fee. Barclays states there is no balance to pay and to only way to resolve this issue is to send this dispute. I also filed a complaint with Barclays on XXXX case XXXX. 

The following information is from my XXXX card that monitors my credit score. In XX/XX/XXXX, my credit score was XXXX, XX/XX/XXXX it was XXXX, XXXX XXXX it went down to XXXX, and XXXX. down to XXXX. 

Not only is this situation mean-spirited, Barclays has chosen to ruin my credit and not give me a way to resolve it. I asked this question multiple times with XXXXarclays should they be able to resolve the issue as they are the creditor. I would rather not file a complaint, but Barclays has left me no other option. Therefore, I am filing this dispute, and notifying the CFPB. 

Please respond to my letter in writing within 30 days. 


Sincerely, XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2021-09-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (MN)

Anteriormente haba enviado una solicitud y su nica respuesta fue una lista detallada de los supuestos cargos que usted afirma que le debo. Solicito pruebas de que soy efectivamente la parte a la que solicita el pago de esta deuda ya que lo que me enviaron no es suficiente y la verdad que su falta de informacion me esta afectando emocionalmente. Se agradece su atencin inmediata a este asunto
Consumer complaint received 2019-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report to find a trade line from XXXX for a repossession. I have never had a car loan in my name at all nor have I ever co-signed for any car. The account is associated with my niece, XXXX XXXX, who used my identify fraudulently and forged my signature to obtain a vehicle loan. I had no parts in this and never authorized any kind of transaction like this as my credit has never been strong enough.