davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (GA)

This company has been calling me everyday, twice daily for about 6 months. I have told them to stop calling and have downloaded apps on my phone to block them but they continue to try. They call me once in the morning and once in the evening. The last attempt was around XXXX XXXX. on XX/XX/XXXX. They've called me XX/XX/XXXX, XXXX, XXXX, etc. They call me everyday and have been for 6 months. No voicemail and I have no idea why they are calling. I pay my bills and I don't have anything in collections.
Consumer complaint received 2017-10-24
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: Experian Information Solutions Inc. (NY)

ON MY CREDIT REPORTS THERE ARE 3 FRAUDULENT ACCOUNTS SHOWING I CONTACTED THE CREDIT BUREAU ABOUT THE FRAUD, I WAS ADVISED TO DISPUTE THE ACCOUNTS ON XXXX/XXXX/XXXX I DID THE FRAUDULENT ACCOUNTS ARE STILL THERE. I GAVE NO ONE CONSENT TO USE MY PERSONAL INFORMATION.
Consumer complaint received 2022-03-10
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: Credit Corp Solutions Inc. (PA)

I recently checked my credit report and noticed to inaccurate accounts. 

Account under the name of XXXX XXXX XXXX has been added to my credit report. I have never done any business with this company and I have asked them for evidence of when this account was opened. I did not receive anything and they have not given any details. The credit bureaus have investigated this account, it has been over 30 days, I did not receive anything. I see on my report that the account was added on XX/XX/XXXX. The amount reported on this account is XXXX. 

Account under name Credit Corp Solutions was added to my credit report. The balance reported is XXXX. The date for this account says it was XX/XX/XXXX. I have called them directly and asked evidence of how this account was opened. I have not received anything, I also asked the credit bureaus to investigate this account. It has been over 30 days and they have not provided any evidence.
Consumer complaint received 2022-03-10
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. (OK)

I Am the consumer, and in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, Experian, and XXXX. I have informed the consumer reporting agencies XXXX, Experian, and XXXX by mail of the specific ac-counts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ). Block and remove the ac-counts that I have requested to be removed from my consumer credit report
Consumer complaint received 2017-10-24
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: EQUIFAX, INC. (NY)

ON MY CREDIT REPORTS THERE ARE 3 FRAUDULENT ACCOUNTS SHOWING I CONTACTED THE CREDIT BUREAU ABOUT THE FRAUD, I WAS ADVISED TO DISPUTE THE ACCOUNTS ON XX/XX/2017 I DID THE FRAUDULENT ACCOUNTS ARE STILL THERE. I GAVE NO ONE CONSENT TO USE MY PERSONAL INFORMATION.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TX)

Comenity Express is refusing to delete inaccurate information from my credit reports which is going to affect me being able to purchase a home. I made a large payment in the amount of {$270.00} in XX/XX/XXXX & didnt see an additional amount of {$31.00} until the month of XX/XX/XXXX. I was under the impression that I paid the entire card off with the last payment & wasnt aware that I even had a past due balance. Soon as I received the email I took care of the past due amount & also never received a billing statement showing that the account had a balance on it. I shouldnt have a 30 day late on my account due to a mistake by Comenity Bank & when I called in XXXX I was told that once the late charge was removed that the credit department would remove the 30 day late upon writing them a letter. I received this letter from Comenity of them not doing a thing that they said they would do. Honestly, this credit account isnt really even helping my credit because of the low limit. Ive been consistent on the payments & shouldve gotten a credit limit increase by now but if Comenity is going to do business like this then I really should cut this card up because I refuse to deal with devious & dishonest customer service practices of a company that isnt willing to help me build credit
Consumer complaint received 2017-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Collection added to my credit report a collecting in amount of {$100.00} I sent Information sent this is not my account it was removed and then added back with new company XXXX XXXX i 'm disputing this and requesting that this be deleted from my credit report XXXX XXXX this was added onto my credit report I sent an information showing that it was not mine they took it off for a month or two and now when I look at my credit report is back on there for them out at {$200.00} i 'm requesting that this be deleted from my credit file Collection on credit report from XXXX XXXX XXXX XXXX sent information and stating that this is not my information this is not belong to me and it was not removed or nor was it investigated requesting that this be deleted from my credit file All three of my credit reports have significant inquiries that I did not get permission for anyone to run my credit I am requesting and have requested from all three bureaus to remove these from my credit file there still on there I 'm requesting that all inquiries be removemycredit file
Consumer complaint received 2017-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (OR)

Dear Consumer Finance Protection Bureau : XXXX XXXX, in store credit card, has overbilled me on my credit card, and the balances are incorrect. For example, the first statement in XXXX XXXX, has purchases of XXXX, and the statement has an incorrect balance of XXXX. Also, please check the XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX statements for incorrect balances on purchases. Furthermore, XXXX XXXX needs to credit me a total of XXXX, to my credit card with XXXX XXXX.
Consumer complaint received 2017-08-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ROC Asset Solutions, LLC (CA)

I ( and my family ) received several phone calls from a company called API stating theh were hired by XXXX  and that they are going to sue me for over {$13000.00}. However, I contacted LoanMe said they sold my account to a third party collection agency ( that agency is not API ) and the amount sold was {$4000.00}. A woman named XXXX first contacted me ( and my family members ) on XXXX and she proceeded to tell my family members that I had a legal matter that could effect me financially for up to 10 years. I called her on XXXX ( details are explained in a complaint I filled last week ). Yesterday she called me again stating I was going to be sued and then today she called me again threatening to call my employer. She also called my family members today as well, calling one two times in a row, leaving the same message as before ( that I had severe legal matters that need to be taken care of ... so on ). I have not once received any written notification that they now own this debt, not have I received any written letters that would allow me to properly validate this debt. She stated they were hired by XXXX, which I have verified with XXXX is false information. At this point I would consider this harassment of not only me, but my family as well. This is also a violation of FDCPA policies, by calling me ( and my relatives ) and  threatening me before ever sending any written notification of them owing the debts and of my rights for validation and by stating that they were hired by XXXX to fulfill their legal acctions.
Consumer complaint received 2017-10-23
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. (GA)

To whom it may concern : On XXXX/XXXX/2017, XXXX/XXXX/2017, and XXXX/XXXX/2017, I mailed Experian by CERTIFIED mail in regards to some reporting issues that I have with them. The account names are as listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It 's been an ongoing and frustrating process trying get them to properly investigate the issues that I have with the they and creditors. They 've also failed to provide me with factual and accurate information regarding the conclusion of their investigation, validating and verifying the accounts and inaccurate information that they continue to report. I made it perfectly clear to them in my letters that I wanted these issues thoroughly investigated and that I wanted to be updated in full detail of the summary of their investigation. Including the name of the company and representative that they spoke with along with the date and time, valid contracts, and anything else that will prove that what they continue to report is verified as well as validated. I also included that the issues can be resolved by simply removing the inaccurate and incorrect reporting if the items I mentioned above ca n't be provided. This has truly been a painful experience for me. What makes this process more frustrating is that I 've contacted other credit bureaus concerning some of the same issues and they 've more cooperative and helpful than Experian. I thought that they are supposed to have consumer 's best interest at heart. Instead, it seems as though that they 're trying to hinder me. I did n't want to result to filing this complaint, but I hope that this will be the conclusion of this entire ordeal because I 'm exhausted! 

Certified Mail # XXXX XXXX/XXXX/XXXX Certified Mail # XXXX XXXX/XXXX/XXXX
Consumer complaint received 2017-09-26
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. (MS)

I have contacted Equifax beginning in XXXX XXXX when I obtained a copy of my annual credit report and noticed inaccurate information on my report. There were 9 hard inquiries reporting that I did not authorized. I immediately contacted Equifax and they took my information over the phone. A couple weeks later I received a letter stating the inquiries would remain on my credit file. I had the same inquiries on my XXXX and XXXX XXXX reports and they removed them without any questions and issued a fraud alert on my file for future protection. To date Equifax refuses to remove the unauthorized credit inquires despite my numerous phone calls and letters. I am requesting that the following credit inquires be removed from my credit file : 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 Bank XXXX/XXXX/XXXX
Consumer complaint received 2017-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (GA)

On XXXX/XXXX/XXXX I bought a small 3 drawer chest from XXXX XXXX - as part of a promotion - they offered me an additional 20 % of the purchase price if I opened a credit card account with them. I had no idea that the credit card was with Comenity Bank - if I had known, I would n't have bothered. Anyway - the item was not in the store - so I had it delivered to the house. Upon delivery, I went online, printed off a payment coupon and mailed XXXX XXXX/Comenity Bank a check in the amount of {$270.00} ... this was done on XXXX XXXX and the check cleared on XXXX XXXX, XXXX. The account number was written on the check ; the check was written to XXXX XXXX - and, Comenity Bank applied the payment to my mother 's account - which has no balance and the account numbers are not even vaguely similar. I tried talking to these people ( XXXX/XXXX/XXXX - XXXX @ Comenity ) and she advised to mail my proof to Comenity Bank in Ohio. I mailed the info to Comenity - certified mail - and then another invoice came thru advising I owed even more money - some sort of late fee. I called Comenity on XXXX/XXXX/XXXX - they passed me around until I landed with someone called XXXX '. At first - he tried to tell me that Comenity had not received my info ... I advised that the certified tracking number XXXX indicated that Comenity received this info on XXXX/XXXX/XXXX ... he then said " Aha! Yes! It had been received '' and then proceeded to tell me that someone would get back with me and straighten this all out ... in the meantime ... I got ANOTHER late notice adding MORE late fees. If I do n't get this cleared up - I 'll end up owing them {>= $1,000,000} for a {$240.00} dresser. Please help.
Consumer complaint received 2018-03-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (AZ)

I saw a new collection on my credit from Capio Partners. I was never notified of this debt or that they were putting anything on my credit and giving me a right to dispute it.

However, I sent a validation request to Capio Partners. They won't respond or anything, yet they continue to report this on my credit. This has been going on for 65 days. 
This agency is in violation of the FDCPA
Consumer complaint received 2017-10-23
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: ID Analytics, Inc. (PA)

I applied for a XXXX credit card on XXXX/XXXX/XXXX and was denied by XXXX XXXX. The reporting agency Sagestream , LLC whom I 've never heard of gave them my credit score of XXXX which is XXXX points lower according to credit karma. I 'm in the process of rebuilding my credit after my divorce and check my score daily. This information is wrong and this company Sagestream LLC has many complaints logged against them.
Consumer complaint received 2022-03-10
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX has NOT complied with theFairCredit Reporting Act law and continued to report inaccurate information on my creditreport. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROMMY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have disputed directly with XXXX and Equifax both regarding XXXX. The account has been illegally re-aged! I have submitted dispute after dispute to no avail. There are so many inaccuracies within the way the account is being reported but after several disputes nothing has been done! The account type is missing which makes the account inaccurate in XXXX way. The number of terms is missing- inaccurate. XXXX failed to perform a proper investigation as the last date is XX/XX/XXXX! It was just disputed in XXXX of XXXX! Equifax failed to list to whom the account was sold to which is a violation! XXXX shows the last reported date as XX/XX/XXXX. Equifax shows XX/XX/XXXX. How is that even possible when the disputes were submitted at the same time. For sure less than 2 years ago! XXXX has the date last active as XX/XX/XXXX and Equifax has it listed as XX/XX/XXXX. That proves the account was illegally re-aged! XXXX has the date of last payment as XX/XX/XXXX and Equifax shows XX/XX/XXXX! How is that even possible when the information is supposed to be furnished by the same company? I believe it is a tactic to prolong how long the account is supposed to report on my credit file which is illegal! Equifax is reporting a payment history each month at OK while XXXX shows the account as charged off! If the account was sold to XXXX XXXX XXXX XXXX why is XXXX still reporting this account? I have sent both bureaus a dispute and they continue to ignore my dispute and report this inaccurate account with no regard. How can both these bureaus continue to report this account even though it is not 100 % accurate along with a serious FTC violation of re-aging? They are purposely damaging my credit file and causing me harm.
Consumer complaint received 2023-04-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

Rocket mortgage scammed me out of {$500.00} dollars told me twice I was approved for HELOC and said I had to pay {$500.00} to get the Loan started and then denied my loan after they charged my card {$500.00}. I saw the Exact same complaint filed with the XXXX from another customer who Rocket Mortgage resolved but wont resolve my dispute. This is a personal attack.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. US Dept. of Education XXXX XXXX  XXXX. Are all in violations of 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15USC 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Privacy act 1974. 
These are reported as charged off which are considered income and income is not legally reported to my credit report.
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

According to Transunion report number XXXX The following addresses have been PREVIOUSLY reported incorrect and are still showing XXXX ). XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, TN XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX MD XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX. XXXX, MD XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Reported XXXX/XXXX/XXXX The following Inquiries were not made by me and have been requested many times to be removed. 

XXXX ). XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX. XXXX XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX DC XXXX XXXX/XXXX/XXXX
Consumer complaint received 2017-10-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE (AZ)

unable to access account ... & change password ... email response arrives NEXT DAY even though it ( authorization code ) was requested the day BEFORE ( ten minutes to respond is NOT being followed by BARCLAY ... this has been/is an ongoing problem
Consumer complaint received 2019-10-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC (KY)

My next payment is due XX/XX/2019. To make changes to the amount, I have until XX/XX/2019. I sent the revoke permission letter and was advised that they would still be withdrawing the payment on the XX/XX/2019 for {$130.00}. This is not timely, and makes no sense if they can change the amount of the draft within 3 days, they should be able to stop the draft given a week. They said it has to be 10 days.
Consumer complaint received 2017-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

I had a Citibank card about 4 years ago. I had been charged with too much fees and when I called them I have been charged too much and I would like to close the account by paying off the balance, the customer service representive was laughing at me and did not care at all about what happened .I was shocked by the lack of care of this bank for its customers. It looks like they are not honest and they really need to improve their service.