davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 account which is found to be opened 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 ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-19
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: Experian Information Solutions Inc. (IL)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP (AZ)

In XXXX and XXXX of 2021, I had an auto-payment scheduled with US Bank for a credit card. Mysteriously, the bank had technical difficulties in which my regular auto payment did not go through. When I notified the bank that my payments were automatically being reversed, they apologized for the technical issue and then proceeded to offer the reversal of the late payments in XX/XX/2021. However, they still marked a 30-day and 60-day late payment AFTER reversing the late payment as a result of their mistake. 

When I contacted them, they informed me that there was nothing they could do and refused to close my account after I requested them to do so. 

Fast Forward to XX/XX/2021, the 2 late payments were removed from my consumer report. However, within 3 weeks US Bank re-added those payments back to my credit report. Therefore lowering my credit score. The second time, I contacted them by mail after the late payments were re-added and they responded in writing that the information being reported is accurate.
Consumer complaint received 2020-09-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC (CA)

XX/XX/XXXX Capital Accounts LLC placed a collection account on my credit file with XXXX  for {$730.00} ( see attached credit report ). I had no information on this account from the original creditor or the collection company and had no chance to request validation of the debt. I filed a complaint with the CFPB on XX/XX/XXXX complaint XXXX. Capital Accounts LLC responded, " We have made several attempts to contact consumer with no success '' this was a lie to the CFPB. Capital Accounts did then contact me XX/XX/XXXX giving me 30 days to challenge the debt ( see attached letter XX/XX/XXXX ). Clearly, if they had contacted me earlier they would have not needed to send this letter and therefore have lied to the CFPB and broken collection laws. I responded to there request on XX/XX/XXXX within the 30 day challenge period ( see attached letter and evidence of delivery ). Capital Accounts LLC then contacted me again on XX/XX/XXXX having received my challenge - again violating the FCRA. Finally, CFPB has received no response from the original creditor about this the complain filed XX/XX/XXXX - I request that CFPB take immediate action against Capital Accounts LLC.
Consumer complaint received 2022-01-19
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)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MA)

HI XXXX / IC SYSTEM FOR BALANCE {$3800.00}???? : Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2022-12-18
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: V and H Portfolio (TX)

Vance Huffman added an account to my report that I was never notified about. The did not provide any letter to me notifying me of tis date. If they are contending that they did, I would like a Certified Mail return receipt validating same. This account is inaccuratley being reported on my XXXX and XXXX reports. The most accurately reporting report would be my XXXX repot, which does not have this account listed. I have no knowledge of this account and ask that it be removed immediately as I was never notified in writing of this account.
Consumer complaint received 2021-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (CA)

Hello my name is XXXX XXXX. Firstly, Im a XXXXXXXX XXXX  worker and unfortunately, Im dealing with XXXX XXXX XXXX  caused by my Comenity Victoria Secret account Ive brought this issue up to Comenity before to have them make an adjustment to me credit report but to no avail. 

I missed a small payment due to XXXX XXXX XXXX, all the while I thought I had setup auto payment with Comenity. 

This caused me to be XXXX  days late, however Comenity is reporting conflicting information across the XXXX bureaus, on XXXX theyre marking me late for XX/XX/XXXX whereas on XXXX Im marked late on XX/XX/XXXX, thereby giving the impression that I was late for both months which I was not. 

I am requesting that all the XXXX late payments be removed from my credit report, Im unable to refinance my home due to this, Ive attached a copy of my XXXX XXXX  with this complaint. 

Account information : Account XXXX XXXX XXXX XXXX. 
Opened : XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ). 
Account status : Paid and Closed. 
Balance : {$0.00}
Consumer complaint received 2017-04-26
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: Experian Information Solutions Inc. (PA)

Back in  XXXX  of this year I informe d the credit bureaus that I received a number of Inquiries over 1 week period that I did not submit. I was told that I must get a letter from each inquirer in order for it to be removed. Well I have in the past week gathered all the letters representing all the inquires and have scanned them in and uploaded them in order to get the Credit reporting agencies to remove the inquiries. I was told by many of them it will take up to 30 days BUT I CAN NOT WAIT. I hope with these letters they can expedite in my behalf and just remove them manually.
Consumer complaint received 2021-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

I used to have an account with XXXX for wireless services. In XX/XX/2021 I purchased a new device for {$830.00}. XXXX double charged me. One charge for {$830.00} and another right after for {$820.00}. I contacted XXXX to let them know and I got the runaround for over a month. XXXX kept saying that they would refund the accidental charge. When I realized that they would not I contacted my bank and submitted a claim. I also closed my account with XXXX as of XX/XX/2021. My bank was able to recover the funds from XXXX but after that, they stated that I owed them those funds. They have clearly stated that it was an accidental double charge and they would refund the funds but did not. I have the chat logs. Now I have a collection agency contacting me stating that I owe them those funds. I challenged them and they just sent me a validation letter. All the validation letter is a copy of my XXXX bill. I provided the collection agency with bank statements showing the double charge, chat logs showing XXXX tech support stating that they owe my a refund, The complaint form I filed with my bank and the bank statement of when the funds were recovered. I do not know what to do now.
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. (MO)

I have called Experian multiple times since XX/XX/2022 trying to get XXXX XXXX deleted from my report. I have also filed multiple disputes and they always come back certified as accurate. This last time on XX/XX/2022 ; I uploaded documents XXXX sent me which do not show that I have a legal obligation to pay this debt. It is not mine. They also did not provide all information they stated they had. Including a copy of my alleged drivers license that was used to secure the lease. I have received nothing showing i am responsible. Experian is giving me results within hours ( not even the full 30 days ), saying its valid. I do not feel they are properly investigating this dispute. XXXX and XXXX have both deleted it. I would also like the results of all of Experians investigations.
Consumer complaint received 2022-01-07
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. (PA)

I reached out to all XXXX credit reporting agency XX/XX/2021 and let them know i was a victim of identity theft. I uploaded supporting documents Identity theft report and also police report. XXXX said the information is verified because i didn't include all items on my identity theft report so they never blocked these items. They knowingly violated my Consumer rights according to Section 605B and 623 ( a ) ( 6 ) ( B ) of the FCRA. They also violated 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Consumer complaint received 2019-02-19
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. (VA)

Company is causing my credit score to go down Experian Alert Date XX/XX/2019 Balance Amount {$1300.00} Is Collection No Open Date XX/XX/2019 Payment Status Grid Code 3 ( 90 Days Delinquent ) Status Date XX/XX/2019 Name XXXX/XXXX XXXX Phone ( XXXX  ) XXXX   Business Type BB Street Address XXXX XXXX XXXX City XXXX   State OH Zip XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XXXX, received a letter from XXXX XXXX XXXX and XXXX XXXX XXXX  decreasing my credit limit on my credit cards stating that the received information from the credit bureaus ( XXXX, Transunion, XXXX ) that lead them to make this decision. I never authorized for this pull on my credit report, I requested to be opted out of sharing my personal information
Consumer complaint received 2022-07-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2022, I tried to pay down my mortgage from my XXXX XXXX account for the amount of {$19000.00}. Account had more than enough cash at that point to pay the payment, however, XXXX XXXX declined the transaction and issued a {$30.00} fee on the account. Then I waited couple weeks for second attempt to pay the same {$19000.00} on XX/XX/2022, and the exact same thing happened ( and again the account did have at least {$27000.00} in cash that should more than cover the withdrawal ). Now they have charged me total of {$60.00} of fees and the withdrawal remains unsuccessful.
Consumer complaint received 2018-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (FL)

Website and Mobile application both have my " Browse offers we've selected for you '' section have an offer listed that im trying to take advantage of. Both electronic avenues just said " thank you '' when attempting to get a referral. The offer states " Earn up to XXXX bonus points per year '' by referring a friend. I have called 3 times to inquire about the error with no resolution. I have also advised 2 CSR 's and 1 Supv of the situation including having screenshots of the writing on both the mobile app and full site. Chase made no effort to correct or rectify the error and advised we can not assist you.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

My disputes are not being processed when sent by mail. I also can not submit disputes online. My son and I have similar names and we share the same address. I believe there is a mismatch file issue.
Consumer complaint received 2020-05-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I opened up dispute with credit bureaus last month in XXXX regarding this alleged debts ( Medical Bill and XXXX Bill ). There is no proof I owe this alleged debts and just a regular computer generated statement is not proof i owe debt. I want this account removed before I take legal action with my Consumer attorney XXXX XXXX, XXXX in XXXX, Florida
Consumer complaint received 2024-02-20
Product: Credit reporting 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: EQUIFAX, INC. (TX)

I contacted Equifax on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> inquiring about a freeze on my report because I am under contract for a home and my lender has been unable to pull my report. I was told that there was no freeze or fraud alerts preventing them from pulling my report. This was not true, as the lender sent multiple proofs that Equifax had my report frozen. On XX/XX/year> finally Equifax told me that the issue is Id need to send in verification document 's such as license and social security card in order to remove the block, I was told it would take 5 business days to complete. Those documents were sent in by me, on XX/XX/year> certified mail with a delivery date of XX/XX/year>. As of today, XX/XX/year>, this has still not been complete. I have called to follow up almost every day since then and they are not answering my questions, just telling me to continue waiting. I am now at risk of losing my home purchase because Equifax is not handing this matter timely.
Consumer complaint received 2024-02-20
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: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2021-08-10
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: BARCLAYS BANK DELAWARE (WA)

Received letter from Barclays dated XXXX XX/XX/2021 saying they denied an application for a Wyndham Rewards credit card that I never applied for. I have called them 5 times to speak to their security/fraud team, have waited on hold for over 30 minutes every time and in one case over an hour, and have yet to get to anyone in their security team to dispute the application. I've told their customer service people about how that extension ( to their security service ) is a dead link, but there is no other contact phone number for them, and their online form you can fill out in case of fraud ( https : XXXX XXXX  ) requires an active Barclays account ( which I don't have ). 

I need help getting this hard credit pull off of my credit report.
Consumer complaint received 2024-02-20
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. (TX)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-07
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance {$4900.00} XXXX XXXX XXXX XXXX Balance {$4900.00}