davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (KY)

On or about XX/XX/2022 the company was contacted by me regarding information I believe inaccurate and/or incorrect being reported on my credit reports. I asked the company to provide account level document regarding the account. I asked the company to provide proof of ownership of the account among many other items which can be seen clearly in the attached documents the company has failed to respond and failed to delete the information it is reporting as accurate.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681 section 604A section 2 : States a consumer reporting agency or person can not furnish my account without my written instructions.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

I told XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX XXXX dispute File number : XXXX. I did not live at that address that they have on file. I own that house and I rented it out. My mail continued to go to that address and someone used my information without my knowledge. The information they have is false information. XXXX XXXX XXXX harassed me at my job by calling numerous of times. I explained to them the information was false and they state they have attached the bill to my credit. There representive was very unprofessional.I gave them my personal phone number so they would stop calling my job.
Consumer complaint received 2017-05-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tribal Lending Enterprise, Inc. (NH)

On Thursday  XXXX   XXXX ,  2017  @  XXXX   XXXX  I spoke to a representative o f Majestic Financial  and I was told that my payment scheduled for  XXXX   XXXX ,  2017  would pay off my balance on my account. I requested all communication be in wrting and to cease & desist all phone calls in an email that the supervisor had given me if I wanted to dispute the debt. I sent the email as instructed on  XXXX   XXXX  and I stated I was disputing this debt and i stated that if they feel as though I owe anything, to send me a letter in writing with my pay off balance. I received a phone call from their call center the following day,  XXXX   XXXX  @  XXXX  and I can provode cipies of my phone redords if needed. I also received a letter with no balance and threatening to take action against me if I do n't pay my balance. Under the Fdcpa, if a consumer disputes the debt, my understanding is the creditor has to send validation of debt and the balance owed. I requested this in writing within 14 days as instructed and have yet to receive anything outside of this letter
Consumer complaint received 2022-11-15
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. (TX)

In accordance with the Fair Credit Reporting act XXXXThe List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX States i have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX ( a ) ( XXXX ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which andantes the report by more than XXXXXXXX XXXX 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause believe that the information is inaccurate.
Consumer complaint received 2024-02-10
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. (WA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation (RI)

I purchased some appliances, and I we put it on the Fortiva Retail Credit card. We were told it was for 6 months interest free. We received the first bill ; the payment is due on XX/XX/XXXX but the statement says the balance needs to be paid by XX/XX/XXXX. They are deceiving customers, it not 6 months from the first bill, its 6 months from the date of purchase.
Consumer complaint received 2022-11-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (CT)

To whom this may concern, As a XXXX XXXX XXXX in high school, I knew nothing about student loans, how it worked, and all the ties attached to it. I was uneducated and unaware of the consequences of applying for a loan under a variable fixed rate. Sallie Mae has raised my monthly payments of {$200.00} to {$310.00} in XXXX year. I am a full college student, struggling to balance XXXX jobs and a full schedule of classes to meet the $ XXXX  monthly payments Sallie Mae has put on me. I have reached out to customer service on numerous occasions and the solution they offered was deferring my payments for XXXX XXXX or XXXX. I have also reached out to the XXXX XXXX XXXX XXXX, explained my struggle as a full time college student to meet the $ XXXX  monthly payment and they provided me with the same " solution ''. This is not a solution, it is a bandaid and will hurt me in the long run. I will not be able to finish college and apply for another $ XXXX loan if my monthly payment is not reduced. Please help me.
Consumer complaint received 2022-11-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kenneth, Eisen & Associates, LTD. (AZ)

On XX/XX/2022, the KENNETH EISE collection agency uploaded that I own them on my XXXX as a {$100.00}. I tried to reach them over the phone to confirm if I confess something to them and over the phone, I requested them to send me a clarification letter. The representative was rude to me and promised to file a lawsuit against me. The Kenneth XXXX agency refuses to validate debt which is discriminated against my right under the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2021-09-02
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX  Credit Bureau, and Capital One continues to not report correctly for Capital One x XXXX XX/XX/2018 showing 1 month late. It was never late, and I need it corrected. 
I have called Capital One, they have no archival files, can't reach a credit contact and XXXX  is someplace else and keeps trying to verifty never gets corrected I need it corrected as Never late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have paid my bills on time each month for XXXX XXXX account and it is reporting as late. I also pay my XXXX XXXX credit card payment each month on time this is reporting late as well. The credit card companies are also reporting my XXXX XXXX account as not paid and this account was fraud. I work full time and pay everything on time. This information is completely inaccurate on my report. I have a XXXX credit score I can prove this. This incorrect reporting destroyed my credit.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Google Compare Credit Cards Inc. ()

Google pay had suspended my account, I don't know the exact reason. When I'm trying to login Gpay with my Phone number - XXXX and XXXX  - XXXX, there is showing *Access temporarily Suspended*, Your account has been suspended, trying logging in again with a different Google Pay Account. 
Kindly help me to recover my Google pay account.
Consumer complaint received 2023-03-30
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. (GA)

Someone I've known for over 20 years stole my information and identity, and I found out by me being arrested and then hiring an attorney. The person, XXXX XXXX, actually worked and impersonated herself as me throughout several years. Several accounts and incidents have been opened fraudulently in my name. I want this person to be asked about it and take accountability for what she has done and how she has affected my family and me. 

Collection accounts : XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Inquiries : 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, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I made an online purchase from a merchant called XXXX XXXX. The purchase was for a 3xl sweat shirt that costed {$160.00} with additional shipping charges. The sweater arrived at my address, however the size was not as advertised dimension wise. I contacted the merchant and returned the item via USPS as requested in their terms. I have not received any return or compensation for the payment. I have contacted my credit card company Capital One and opened a dispute. Originally they provided me with a provisional credit pending an investigation. However the credit was then taken back as they ruled the claim closed and for me to contact the merchant. I have made several attempts to contact the merchant and have not received a response to emails or calls. I have the receipt showing that my item was returned and insured with the postal service. 
I have recently contacted Capital One and they responded that they can not help me the case will remain closed.
Consumer complaint received 2017-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (IN)

Comenity Bank sent me an E-Mail stating I was pre-approved for a XXXX XXXX, except the name on the pre approval was not my name but it was n't sent to my XXXX account. The name was that of my father-in-law. He does n't have a XXXX account and has frozen his credit, and I 've opted out of pre-approved credit offers. We 're both concerned as to why I 'm receiving credit card offers in his name. His credit information and mine should n't be tied together in any way.
Consumer complaint received 2023-03-30
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: Experian Information Solutions Inc. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX  XXXX .... Balance {$0.00}, XXXX XXXX .... Balance {$74000.00}, XXXX XXXX XXXX XXXX XXXX .... Balance {$0.00}
Consumer complaint received 2020-09-06
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. (MA)

XX/XX/XXXX Went for a home loan pre-qualification and my credit report showed a serious delinquency on an account that i did not open. The account was opened under my name for a XXXX phone in XX/XX/XXXX and was sent to collections in XX/XX/XXXX for a sum of {$3500.00} but not to my address. I contacted XXXX on XX/XX/XXXX to discuss and found out that the billing address for the fraudulent account was in XXXX, NY ; I live in MA. I previously had a XXXX account which I had closed in XXXX when i switched to another provider. 

My credit report mispelled my name. ; using XXXX proper spelling is XXXX for first name.
Consumer complaint received 2022-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NC)

I switched my auto insurance ( XXXX XXXX ) to another company in XX/XX/2022, during the transfer of services ; I asked what balance did I owe, the representative I spoke with said I did not have a balance ; she stated that I was paid in full. this conversation took place XXXX XX/XX/2022. XXXX to XXXX months later I started receiving phone calls and text messages say that I owed {$200.00}. to XXXX XXXX. My credit report was effected as well. The creditor is listed as : Credit Collection Services.
Consumer complaint received 2021-09-02
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. (NJ)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. BANCORP (LA)

On XX/XX/XXXX at XXXX I was contacted and told they were verifying my address so I could be sent a file about a lawsuit that was about to be filed against me. I was informed that the name of the company was XXXX XXXX. I contacted XXXX and was told that they are attempting collect on a outstanding debit I had with USBank. I informed them that my account with US bank was closed in XXXX or XXXX. They said I had a negative balance and they had purchased the account to collect and that the account was closed in XXXX. She stated that original balance was over {$800.00} and said it was more with interest and attorney fees would be added if they continued with the lawsuit. I told her I had not received anything in writing notifying me of the debit. She stated that had mailed out a letter 45 days ago. She also stated other addresses I lived at in the past claiming they had sent it there also. One of the addresses belongs to a family member and they did not receive anything either. I have not received anything. I have been at my current address since XXXX and had the same phone number since XXXX. This is the first time I have received anything concerning this. I asked her to send me the information to verify the debit. She stated she could but by the time I get it they would have already have sued me. She said if I am disputing it I will need to do that in court. I asked how can I validate the debit if I can not see what I owe. I said I had an account with USbank that closed in XXXX or XXXX but I do not know if that is what they are saying I owe on because they will not send me anything to show the debit. She stated I had until end of business tomorrow to contact them again and settle. I told her to email me the information on the account, and she said all they could do was email me the settlement offer. She gave my the account number attached to the collection and said I needed to do my research and get back in touch with them tomorrow. I contacted USbank and they informed that my account with them was closed in XXXX and charged off and sold in XXXX to XXXX XXXX XXXX. I asked for something in writing that could show my account was closed in XXXX and sold in XXXX and show what I owe and how I owe it. XXXX XXXX XXXX USbank said she could not because the debit was sold and I would need to contact XXXX XXXX XXXX. I attempted to do that and they are out of business because the owner was charged with fraud from forging documents, bribing bank officials and using misleading information to resell those debits. I am attempting to send a verification request to XXXX XXXX and they will not give me an address to send the request to without identify myself and case number. I can not find XXXX XXXX online and the phone number they gave me does not come up on any searches either. 

US bank will not give me something showing the account closed because they sold it to a collection agency that closed. I do not know where to go next.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2024 I sent out a letter to TransUnion about inaccurate and incomplete information on my credit report.i asked to see original documents from those companies with my signature on it to verify the accounts or delete them immediately..
Consumer complaint received 2022-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (CO)

In XX/XX/2021 the membership was canceled due to medical conditions making it so I couldn't go to XXXX XXXX. This was done in person at XXXX XXXX. Now I am receiving emails from a collection agency demanding payment of over {$300.00}. I have emailed them back asking them to verify the debt. No documentation has been mailed to me from them at all. I called today and was hung up on and told to pay something I owe. I'm not paying for something I have been medically told not to exercise for.