davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (WA)

On XX/XX/2020, I was charged for a premium membership to access my credit report by Experian. I never agreed to such a membership. I signed up for a free credit report and that was it. I contacted Experian and they were not willing to help with my dispute.
Consumer complaint received 2020-05-29
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Sprechman & Associates, P.A. (FL)

On XX/XX/2016, I was the victim of identity theft, when my brother XXXX XXXX, opened ( 2 ) checking account with XXXX XXXX XXXX XXXX  accounting ending in XXXX and XXXX. He attempted to finance a truck and wrote a check to XXXX XXXX XXXX in the amount of {$2500.00} on account No. XXXX which at the time was closed due to account abuse. XXXX XXXX, XXXX guaranteed the check would be paid, they in paid XXXX XXXX. XXXX XXXX  XXXX XXXX, as successor in interest to XXXX XXXX XXXX XXXX XXXX seek to recover the {$2500.00} from me by a civil suit seeking damages over {$8000.00}. In late 2016, I notified XXXX XXXX, XXXX, that I am a victim of identity theft and the debt is not mine. XXXX XXXX, XXXX, sold the debt to XXXX XXXX  XXXX, XXXX, after I informed them that I was a victim of identity theft. 

The XXXX XXXX XXXX Sprechman & Fisher, is the debt collector in this matter and have been notified that the debt is not mine and was fraudently obtained by identity theft. I am now being sued by this company in XXXX County Court XXXX JDC, case No. XXXX. I have filed a police report in this matter and am actively working with the XXXX Police Department, Detective XXXX XXXX, Police Report No. XXXX
Consumer complaint received 2017-07-29
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)

On X/XX/17, I reviewed my XXXX credit bureau reports, and mailed dispute letters detailing multiple inquires that I did not recognize OR authorize. There were only a few on the reports that actually belonged to me, so they were not included in the dispute letters. I am not sure if this is due to fraud, but I did not ask authorized these companies to access my credit reports. I would like to clear up these multiple errors. I have attached the letters that were sent to each Credit Bureau. The applicable inquiries are listed in the letters. The mailed letters were signed and dated.
Consumer complaint received 2021-04-04
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. (NC)

XXXX XXXX XXXX XXXX Account XXXX On my experian credit report they keep reporting it every single month as a " charge off '' this account was charged off XX/XX/2019 it should not still be reporting monthly on my credit report at all. 

This also is not my account and i sent in a screenshot of the CHAPTER XXXX discharge for this item and yet experian still has not taken this item off of my credit. It also shows i have a past due balance and again I feel like it should be pretty obvious that my credit report is very good so why would i let 1 ACCOUNT ruin my whole report? i mean really. THIS IS NOT MY ACCOUNT - CHAPTER XXXX IS SUPPOSED TO GET RID OF THESE ACCOUNTS THERE IS NO REASON they should be reporting CHARGE OFF every month the account is CLOSED and it was not mine to begin with it was my husbands so why are you trying to make a single mom suffer for something not hers?
Consumer complaint received 2020-04-13
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: NAVY FEDERAL CREDIT UNION (MD)

On XX/XX/20 I sent a certified letter for a account on my report that didnt belong to me. I also asked for original documentation to be sent to me binding me to this debt. On XX/XX/20 I sent another letter asking for my signatures and original documentation I have not got any information.
Consumer complaint received 2019-03-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Ad Astra Recovery Services Inc (OH)

ad astra services, this is the collection agency i contacted regarding this amount i saw on my credit report, i received the number from XXXX, and XXXX XXXX.i spoke with the collection agency, they put a dispute in also. 
their contact info is as follows ad astra services XXXX, kansas XXXX i spoke to them today after i saw this on my credit report, i have no knowledge of this account.
Consumer complaint received 2020-11-25
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. (FL)

INCOMPLETE / MISSING INFO LETTER To Whom It May Concern, I am writing to challenge the reporting and compliance on an account with XXXX XXXX that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect account number, missing field of usage, monthly payment and past due amount. Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

CC : Consumer Financial Protection
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

my credit report shows me being late in XXXX, XXXX and XXXX of 2018. I lost my job during that time and was informed that because I called and made arrangements then it would not show up on my credit report. When I recently pulled my credit report I notice that it is on my credit report. I do not think this is fair and it adversely is hurting my ability to get and obtain credit.
Consumer complaint received 2020-05-29
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. (TX)

XXXX- Disputed XXXX incorrect last date of activity of XX/XX/XXXX with 3 credit bureaus Last date of activity was XXXX/XXXX  XXXX. There is no way it could have been any later than this, because I was XXXX XX/XX/XXXX-XX/XX/XXXXOn or about XXXX- responses from credit bureaus did not have any information about how they concluded the information was correct. 

XX/XX/XXXX, XXXX- Contacted XXXX to address the error. 
They confirmed there was a credit of {$2.00} which was given on their part, but the rep could not explain what this was for. However, it was not a payment on my part. 

XX/XX/XXXX- XXXX Last date of activity XX/XX/XXXX. 

Therefore, both XXXX and Credit bureaus are in violation of Fair Credit Reporting. Act.
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TomoCredit Inc. (IL)

TOMO Charge card I am absolutely certain that you have got many complaints about this company they refuse to close my account no matter what I do constantly getting charged per month for absolutely no service I just want my account closed and it's very difficult to do as you have to know through other complaints.. TOMO XXXX TOMO XXXX  TOMOXXXX PLEASE HELP ME!!!
Consumer complaint received 2024-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (FL)

I am writing to dispute certain account listed on my credit report, which was reported by your credit bureau. The account in question are as follows : XXXX XXXX XXXX. 

I do not recognize these debts and was not informed of them. Despite providing my updated address, the creditors used my old address when I attempted to contact them. Consequently, I did not receive any correspondence regarding this debts and was deprived of the opportunity to dispute it. Reporting this account to your credit bureau without my knowledge or consent constitutes a violation of the law.
Consumer complaint received 2021-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prime Recovery LLC (CA)

I keep getting messages from a collection company about repaying debt that does not match my name. I told them I am not the individual, and they give out information about the person who is in debt, personal information such as name. 

I don't want to be harassed about debt that is not mine, and they should confirm recipient before sharing. I should not be learning about a random persons debt.
Consumer complaint received 2021-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Upon checking my credit score I saw that an account had been opened with XXXX XXXX in XXXX XXXX XXXX XX/XX/XXXX XXXX and was sent to collections. 


I disputed the accounts with both TransUnion and XXXX  and both agencies verified the information with the creditor as being correct, but I did not open this account. 

I have always lived in the state of Virginia but last year ( XXXX ), my mother went on vacation to XXXX XXXX and while she was there her phone, wallet, and other personal items were stolen ultimately leading her identity to be compromised. Again, I have never been to XXXX XXXX and I have never opened an account with XXXX XXXX in any state. However, I do believe that my identity has been compromised likely be the same person ( s ) that attempted to do the same as they did with my mother.
Consumer complaint received 2021-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (NC)

I made a purchase on a card with US BANK where I have 3 other balances on this specific card that are at 0 % interest. I have made well over, hundreds of dollars, over the minimum payment and yet the balance for the small purchase with interest still remains. My recent statement XX/XX/21 states that there is still a balance of XXXX on the interest accruing amount. The min on the last statement was XXXX, I paid and additional XXXX. There was a remainder of XXXX in the accruing interest balance, when the prior was only XXXX. I am not sure how that translates to still having an additional XXXX. I called and complained they did reverse 2 months of interest fees but the fact still remains that they are not adhering to current law when it comes to applying payments to higher interest balances first. That was an additional XXXX over the minimum which means that the whole XXXX sitting in the interest accruing balance should have been paid in full.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (NC)

i aske that this information be removed off my credit report LVNV FUNDING LLC Reported : XXXX XXXX, XXXX  - {$48.00}
Consumer complaint received 2022-08-12
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. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-29
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: ONEMAIN FINANCE CORPORATION (PA)

One XX/XX/XXXX, I spoke with XXXX XXXX of OneMain Financial about refinancing my existing loan account with his office. As someone with an impeccable payment history as a OneMain customer since XX/XX/XXXX, I had no reason to believe a " hard '' inquiry would be done into my XXXX  and XXXX  credit files nor did he make it clear to me that he was going to do so. In a recent review of my various credit reports, I noted that against my wishes and knowledge, on XX/XX/XXXX OneMain Financial did in fact make " hard '' inquiries into both of my files on XX/XX/XXXX. Earlier this week, I spoke with XXXX XXXX, my local OneMain Financial Branch Manager about this and he acknowledged the " misunderstanding '' and agreed to get the inquiries removed, once I faxed a formal request for this to his corporate offices, something I had already done several days before. When I called the corporate offices today, XX/XX/XXXX, to follow up on my request for deletion of the improper inquiries, I spoke with an extremely arrogant, condescending, bureaucrat of a woman who spoke very quickly and failed to provide her name to me clearly. While acknowledging that there had been numerous issues with OneMain branch offices giving out misleading information about " hard '' vs " soft '' inquiries to exsting OneMain customers, she stated that unless the inquiries were done fraudulently, OneMain was unwilling to delete them as a matter of corporate policy. Frankly, I know this is NOT the case as when I originally applied for my loan with OneMain Financial in XXXX of XXXX, numerous inquiries were made into my same credit files over two days and when I complained about this, the multiple inquiries were in fact deleted!
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (CO)

The company mentioned sold a collection for XXXX to another company who i negotiated and paid but now i have both collections still on my report showing a XXXX balance. I have tried disputing this with the bureaus but have not gotten the balances changed. Its effecting my ability to get the best interest rates on a home. Please help
Consumer complaint received 2016-10-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

A Captial One credit card was taken out in my name in 2014 by my now estranged wife, this information was never given to me and I never agreed to or signed any document to open this line of credit. I have only now found out because she stopped making payments on the card after filing for divorce, someone told me she was bragging about having opened a card in my name and I checked my credit report to find it was in fact true. My wife does not even deny that she did this.
Consumer complaint received 2022-01-08
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. (KS)

I have been submitting disputes on two separate accounts. The first one is Child Support, they continue to report that I'm 10 months late on payments. I have called the Child Support Office, they weren't helpful at all, I was told to go online to there interactive website. I did as they told me and it shows a payment of {$1500.00} in XXXXXXXX. I got a copy of the payment so I filed a dispute with all 3 credit bureaus and submitted the documentation. I have done this numerous times and no response. The second issue is with XXXX XXXX, in XX/XX/XXXX, a couple of months ago I was in a car accident and my insurance totaled my car. My insurance sent XXXX XXXX a check for {$10000.00}. XXXX and XXXX both updated their information at the beginning of XX/XX/XXXX. The one Credit Bureau I've been having issues with is Experian, I've filed 3 disputes along with documentation and their response is balance remains the same. I've been filing a dispute once a week, I called and they're either rude and hang up or they tell me that I need to wait for the dispute to be resolved in about 30 to 60 days. I have been without a vehicle for 2 months alone since cat dealerships and banks pull ones Credit report from Experian I can not do anything at all but wait until Experian fixes the balance for XXXX XXXX. I can not get approved for an Auto Loan because it still shows that I'm " paying '' on the vehicle even after I've sent documentation and tried speaking to someone about it letting them know that I can't get an auto loan until the balance is fixed. Its like these people who work with the credit bureaus are playing God with our life, out Credit reports. It's like they decided whether we can purchase a house, vehicle or anything that requires Credit. Also I asked Experian if I called XXXX XXXX to report it again like they have been, would that speed up the process. They rudely said no it doesn't matter what you do, you're just going to have to wait until we finish the dispute in XXXX to 60 days. I'm also working with Credit Law Lawyers to help me fix my credit. They get the same response with the same documentation I send them. They even added a collection to my credit report that 1. was 13 years old 2. I hadn't been to that hospital since XXXX 3. The account wasn't even mine. They eventually took it off my credit report, but not before my score dropped after trying so hard to build my credit. I don't understand how they are quick to report the negative issues on your credit report, within a day they do this, but anything positive it'll take them 2 months to a year to correct it.
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY (NY)

Last year XX/XX/XXXX, i bought a watch in XXXX watch in XXXX XXXX  mall and there is zero interest for 12 months in TD bank credit card for XXXX ..So i owed XXXX dollars and in start paying XXXX dollars a month and its auto pay, no late payment.Now XX/XX/XXXX the zero interest rate was expired and i have remaining balance of XXXX dollars only, however on the month of XX/XX/XXXX the interest kick in and i understand that but it is not acceptable that they charge my credit card account for XXXX dollars something for interest.In which i owed only XXXX. 

I dont understand why they charged my credit card is so high, it is more than 100 % intere3 charge..I escalate the issue in constumer dept and they didn't help me. 
Pls help this matter.I am being consumer helpless regarding this kind of abusing credit cards company
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: State Finance Company (TX)

This account was already disputed and suppressed for violations of FCRA. Now, XXXX months after suppressing, its reappearing and during my mortgage underwriting. 

This error is going to result in seeking damages caused and points to correct my rate being offered.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/2020 payment indicates 30 day late on credit report. I have filed an extension for XX/XX/2020 due to Natural Disaster and was granted approval. I have ask to have the late removed of credit report. I was also informed During the Natural Disaster the loan company will not be reporting late to credit agency during the Natural Disaster ( Covid19 ). I have talked and confirmed with XXXX and she indicated I was correct it should be appear but it shows on my credit report. Please assist with the removal.
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (VA)

Dear Sir/Madam, On XX/XX/2020, American Express decided to suspend my platinum card for no good reason. I have never missed a payment with Amex or with any credit card and have a credit score of XXXX. I was pre-approved for the Amex platinum I paid {$590.00} for the annual fee. When I called and spoke to XXXX from Amex at XXXX she said my current balance is $ XXXX and due to Covid19 crisis and Amex has no history with me they decided to suspend it. This is very concerning because I have not missed any payment with them and the initial limit was around $ 44K. It is not fair for anyone to be charge {$590.00} annual fee for a card that is not active. I am very fortunate that I have enough money to sustain my living during the Covid19 crisis. I'm more concerned on how credit card companies are allowed to suspend credit cards during a crisis like this. Obviously, we are on lockdown and there is no way to pay via cash to it makes the situation very difficult for the average American people. I've attached all my correspondence with Amex for your reference. 

Thank you, XXXX XXXX