davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Recently ( XX/XX/2021 ) I applied for a home mortgage loan with XXXX Mortgage. In the process I was informed that I have a collection balance of amount {$87.00} reported on my credit. Firstly I am not sure where it came from and for the past three months I was working with my mortgage officer to figure out what it is and how to resolve it. I tried to contact the collections company several times but no luck. I sent them mails twice ( on XX/XX/XXXX - First class mail and on XX/XX/XXXX- XXXX mail the second time ). There is no response yet. I feel that I have been patient enough in waiting for a response after multiple attempts. I am helpless now and not sure what to do. My credit score is down for no reason and I am in a situation to pay more monthly mortgage which is totally unfair. From what I have researched so far, to the best of my knowledge I think this is a UDAAP violation.
Consumer complaint received 2019-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I discharged a debt for XXXX XXXX through bankruptcy as a result of identity theft. The debt was charged off and the bankruptcy was dismissed. I am assuming Portfolio Recovery has purchased this debt and is attempting to collect. They have harassed my continuously via phone, email and as of yesterday not my place of employment. I have contacted them via mail to let them know this is not my debt and they still continually harass me. My work is off limits. I work in a hospital and am unable to receive calls and now they are robo calling the nurses line. I do not want to speak with them directly because they do not listen. I need help to stop this unwanted harassment.
Consumer complaint received 2022-01-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

An unathorized person accessed my Wells Fargo checking account and made XXXX fraudulent transfers to another bank account. 

Posted Transactions XX/XX/21 BILL PAY XXXX XXXX XXXX CREDIT CARD ON-LINE XXXX {$990.00} XX/XX/21 BILL PAY XXXX XXXX XXXX CREDIT CARD XXXX XXXX {$990.00} XX/XX/21 BILL PAY XXXX XXXX XXXX CREDIT CARD XXXX XXXX {$990.00} XXXX filed a claimm on the XXXX with Wells Fargo 's fraud department. They denied my claim about ten business days later. 

Half my bank account is gone and I don't know what to do, please help me.
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

on XXXX I contacted Transunion to try to explain XXXX XXXX XXXX and XXXX XXXX XXXX card statement printed on XX/XX/2019. 

my credit limits were increased to XXXX from XXXX XXXX  XXXX and XXXX from XXXX XXXX   XXXX on XX/XX/2019. 

previously they were XXXX at XXXX XXXX and XXXX at XXXX XXXX I contacted both XXXX and XXXX customer service on XXXX both state transunion should have both statments. for your reference I attached both statements for the two accounts in question and Tranunion should update my credit reports, Transunion is refusing to update both accounts I find this inexcusable that Transunion is not doing there due diligence to resolve this
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the third time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately, which I am sure you are already aware of. You failed to verify & validate all data for the following accounts, please remove IMMEDIATELY : Account Name : XXXX  Account Number : XXXX ; Account Name : XXXX XXXX Account Number : XXXX ; Account Name : XXXX, Account Number : XXXX ; Account Name : XXXX Account Number : XXXX ; Account Name : XXXX, Account Number : XXXX ; Account Name : XXXX Account Number : XXXX ; Account Name : XXXX XXXX XXXX, Account Number : XXXX XXXX Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed.
Consumer complaint received 2020-11-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (IL)

Comenity Bank/Victoria Secret closed my account due to a false fraud claim that was never disputed with the credit reporting agency. I contacted all 3 credit bureaus and they stated they never submitted a fraud dispute for my Comenity Bank/Victoria Secret card. 

I have never had any fraud related issues or fraudulent transactions with the Comenity Bank/Victoria Secret card.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I recently known the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.
Consumer complaint received 2024-01-23
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: Experian Information Solutions Inc. (NY)

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 been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXXXXXX XXXX Account XXXX XXXX and XXXX XXXX Account  XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-01-23
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: Experian Information Solutions Inc. (GA)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXXXXXX XXXX CREDIT 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 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} 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 Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00}
Consumer complaint received 2021-10-30
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 notified you several times that I have been a victim of identity theft and these are still being reported. Please review the attached FTC report and delete this fradugelent information from my report.
Consumer complaint received 2024-01-23
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: Experian Information Solutions Inc. (GA)

This is an ongoing issue : XXXX XXXX XXXX XXXX XXXX : A cease and desist was placed on your account effective XX/XX/XXXX. Once the account is paid full, XXXX will release XXXX XXXX security interest in the vehicle. 

This issue is ongoing. In my Validation letter, a cease and desist was put in place in order to stop collection of any payment until the auto loan was properly Validated and sent to me. XXXX XXXX XXXX has not honored that portion of my letter. They have made Late payment remarks on my credit report to all XXXX Credit Bureaus which has severely impacted my credit. I initially told XXXX XXXX XXXX that I was involved in a car accident as a passenger and the random confirmation numbers that was provided by XXXX XXXX XXXX was given to me by their phone Representative ( XXXX ) in a recorded conversation, stating that due to my accident and how XXXX saw that I got my account back current in XXXX of XXXX, that they would remove the remark. The confirmation numbers they gave me IS NOT my contract number. I have my contract number so, I'm not sure why XXXX XXXX XXXX is saying that that is my account number and that is false. The contract number that I received from them is an invalid number and it is not mine. I sent a Validation Letter asking XXXX XXXX XXXX to provide me with my contract and as of now, they have yet to provide me of the info that I have requested/needed. During the time of this Validation process, my credit score went from a XXXX to now a XXXX and it's all because I need to validate if this loan belongs to me. I have never been this severely impacted by an entity that I didnt sign on with, in my life. The Payment History needs to be removed from my credit report. A payment was made XX/XX/XXXX after they sent me a letter threatening to repossess the vehicle while I am awaiting for XXXX XXXX XXXX to send over Validation. This situation has brought my credit scores down while I'm working towards homeownership. XXXX XXXX XXXX knows I've been making overly consistent payments until I needed proof of Validation. That's why a Cease and Desist was in order, to prevent this sort of thing from happening while Validation is ongoing at the time. It appears as if XXXX XXXX XXXX honored parts of my Validation letter and not ALL of the Validation Letter I asked them to Please Validate who they say they are. As of yet, I have not received any Validation from them beside a letter where they state they can not provide Validation at this time. But, XXXX XXXX XXXX continues to want my payment and threatening to repossess the vehicle.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I have contacted XXXX numerous times. I have contacted each of the credit bureaus to dispute the account reporting inaccurate information numerous times, and I have requested validation of the debt numerous times. I also have contacted my XXXX  attorney and the XXXX XXXX for assistance, with this account. However, XXXX is REFUSING to correct and/or delete this account with each of the credit bureaus as promised. It shows the account is a charge off/collections and is derogatory. This account was XXXX in my XXXX XXXX XXXX ( case XXXX XXXXXXXX, filed XX/XX/23 and XXXX on XX/XX/23 ). XXXX is saying the account XXXX sold to XXXX XXXX XXXX, ( although I never received any papers from XXXX XXXX and XXXX XXXX is not reporting anything on my credit reports ). When I call XXXX and enter my info, it says I owe a past due balance of {$7900.00}. I called XXXX XXXX XXXX and was told if XXXX was the original creditor and the account was XXXX, I need to file the XXXX  papers with XXXX to have the debt updated and/or deleted from my credit reports. My attorney and the XXXX  XXXX have submitted paperwork to XXXX and XXXX XXXX. Therefore, I am not understanding why this account is still negatively and inaccurately reporting on all credit bureaus, nor has it been deleted as I was told it would be. 

I disputed and requested the credit bureaus provide validation of the debts along with innacurate and/or fradulent inquiries, and to delete once they verified these were fradulent and not done for permissable purposes. XXXX has transferred me to XXXX supervisors ( said the calls were recorded ), and I was told the accounts and inquiries would be deleted in XXXX hours. It has been over XXXX XXXX XXXX XXXX XXXX XXXX and NOTHING has been done.
Consumer complaint received 2022-01-17
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. (SC)

I recently known the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.
Consumer complaint received 2022-07-19
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. (IL)

I HAVE SUBMITTED THIS COMPLAINT BEFORE, AND RECENTLY. THIS ISSUE HAS NOT BEEN RESOLVED AND CONTINUES TO PERSIST. 

Experian Credit Bureau has deleted the entire payment history for the current and open Tradeline know as : XXXX XXXX. 

This is a positive and current reporting Tradeline. Experian has in the last 3 days or so, DELETED the entire history of the XXXX XXXX  account. 

On my Experian Credit Report, this Tradeline shows a partially DELETED ACCOUNT NUMBER, NO HIGH CREDIT, NO CREDIT LIMIT, and an UNKNOWN PAYMENT STATUS. There is also NO DATE OF LAST PAYMENT. 

XXXX XXXX is REPORTING THE INFORMATION CORRECTLY TO EXPERIAN. I believe that Experian is illegally and purposely deleting my XXXX XXXX  Credit Card information in an attempt to harass me and to purposely create hardship for me when I attempt to obtain credit, housing or employment.
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

I cancelled my credit card on XX/XX/XXXX, as I did not want to pay the annual fee renewal of {$95.00}. I did not pay the {$95.00}, as I know that I didn't need to since I experienced financial difficulties due to COVID 19 and I did not need the credit card due to my financial hardship. 
I had over XXXX Thank You points when I cancelled. I was fully aware that I had to transfer them within 60 days of cancelling. 
However, when I cancelled my card, my TY points disappeared instantly. You will see this by looking at my XXXX statement when they were there, and my XXXX statement, by which time they had disappeared. 
I was told by a customer service rep that my points will be reinstated as soon as they issued a credit of the {$95.00} annual fee. 
Despite several attempts to recover my TY points over the next several months, the last attempt being today XX/XX/2021, I was told that I was beyond the 60 days to use them. Except - I never had those 60 days, the points disappeared instantly. 
In one conversation in late XXXX, a CSR told me has was going to try to reinstate my points and was going to follow up with me within 5 days. which of course he didn't do. 
All I heard was either : - Call Thank you Points service phone number, which I did, repeatedly. They send me back to the regular number of Citi customer care. And Citi sends me back to Thank You Points, and so on. No one claims responsibility for my loss of points. All they can say is that I passed the 60 days mark. Once again those points disappeared instantly in XXXX. 
- There is no further way to escalate. The " supervisor '' is the ultimate authority, like if there was no management or executives in charge at Citi. 
Basically, I was robbed of over XXXX points with no recourse.
Consumer complaint received 2022-01-17
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. (IL)

A bankruptcy is on my report from all 3 bureaus, XXXX, Equifax and XXXX and possibly XXXX XXXX ... .... Permission for the said bankruptcy was not authorized by the courts to place on my personal credit reports. Asked them to remove it and they response was " VERIFIED ''
Consumer complaint received 2021-04-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

The sum of {$66000.00} was sent to my Citibank account from wellsfargo on XX/XX/XXXX which was for the purpose of house renovation for my client, I withdrew the sum of {$8000.00} the next day XX/XX/XXXX fast forward to XX/XX/XXXX my citibank account was closed and the bank claimed to have sent the check which I am going to receive in 10-15 business day, the XXXX business day was complete and no check came through, I put a call to the customer service again and demand why they failed but I was told to wait for another 5-7 business day I would get a reissue the former might have been lost in the mail, I waited again and nothing came through on the 7th day .. I have been to the branch here in California several times, I have called and called morning has been done