davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (IN)

Back in XXXX, I had a secured credit card with XXXX XXXX XXXX XXXX. There was fraud on the account, which resulted in a new card issuance. XXXX charged back too many accounts, which resulted in a disagreement as to debts owed. My secured limit was {$1400.00}, I closed the account and was told I owed {$850.00} dollars. I disputed it several times to no avail. 

In XXXX, I received a 1099-C ( Cancellation of Debt ) from XXXX for this {$850.00} dollars. XXXX reported to the credit bureaus that the {$850.00} was a charge off- in XXXX. 

On my XXXX tax return, I added the 1099-C to it, and of course it acted as income, for which I had to pay taxes on. 

In XXXX, XXXX, I disputed this transaction with all 3 Credit Bureaus, I also submitted a copy of the 1099-C, as proof to show that this was no-longer a Charge Off, and that in fact this is basically a Charge Back. XXXX credit card department is upholding this as a current debt. 

I tried calling and speaking with XXXX, but none of the associates, even their supervisors understand how a 1099-C works and believe that the debt is still owed.
Consumer complaint received 2020-11-19
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: CORELOGIC INC (CT)

This company performed a hard inquiry on my credit without my authorization. This inquiry resulted in a lowering of my credit score. When I called the first contact number to discuss with the company the number was an out of service XXXXXX/XX/XXXX number. A second number sent me to a call support center in XXXX where they told me I needed to call a different number. That number sent me to a generic directory assistance service, and not the company. This seems potentially fraudulent and should be investigated.
Consumer complaint received 2020-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This account was initially disputed XX/XX/2020 and asked to validate the information or remove from the report and also to remove the duplicate account with the original creditor and the collection agency. Per the FCRA an account can not be listed by the original creditor and the collection agency once the debt is sold to the collection agency. On XX/XX/2020 I received an update from the Bureau that the account outcome was updated. However they did not provide any information on the method of verification, proof of original signature or removal of the duplicate account as requested. I disputed this information and once again received the same letter from the Credit Bureau that the account was " Updated '' on XX/XX/XXXX as if they did not do the investigation, but just sent the same letter again. They have not cooperated with the disputing process.
Consumer complaint received 2024-08-29
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. (TX)

This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts. 

They are being listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collections accounts listed below due to identity Theft : 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 

Address never lived no knowledge of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Advance America, Cash Advance Centers, Inc. (IN)

back in 2006, I had a payday loan with Advance America it went to court in XX/XX/2006 and was decided and closed. Case number XXXXI am in the process of trying to get home and Advance America has continued to report to Indiana loan that I owe {$200.00} I contacted Advance America and they refuse to take it off stating they have no information this was discharged. And that the debt is still owed.
Consumer complaint received 2020-10-30
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: EQUIFAX, INC. (TX)

Good Day, My name is XXXX XXXX and the reason I reaching out is to complain on Equifax and how they have been lacking of reaching out or reporting to me on any updates. They have exceeded the 30 days multiple times and yet I have not seen no change or any movement on my account. They are reporting accounts that are not mine and I need to get this resolved as soon as possible. I already have mailed multiple letters through certified mailed, which are dated, and listed everything listed as detail as I could be. I have included everything they required and I still have not seen nothing change. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2021-04-28
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. (AZ)

I am trying to purchase a new home in the next 6 months and upon checking my credit profile in all the bureaus, I was alarmed by multiple accounts that I never authorized. On XX/XX/2021 I filed a police report with my local police agency as well as filed an id theft affidavit with the all the accounts and account numbers listed. I was instructed to send those documents along with a brief statement and copy of my photo id to all three credit bureaus. That was done on XX/XX/XXXX XXXX that request only two of the accounts were removed and the rest were left on my reports. I am a victim here and I am not getting help from the bureaus where the fraud is still showing on my consumer reports. Please help!!
Consumer complaint received 2022-09-20
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. (TX)

I recently ordered my consumer credit file from Transunion, XXXX and XXXX and notice these late payments with XXXX XXXX XXXX  # XXXX. I am requesting all be removed from my file this finding has caused stress, my credit utilization to increase which ultimately has caused a low credit score and credit denials along with higher interest rates. 15 USC 1666 Does not include Late Payments. Please remember 15 USC 1681 ( b ), & 15 USC 6802. I have a right to privacy and I never gave any of the credit reporting agencies permission to furnish a report on me in the first place. The line of credit that I have with your company, which is characterized as utilization on my consumer report. Your company is illegally reporting this experience i.e. my utilization. On my credit report. Your company is in clear violation of the law pursuant to 15 USC section 1681 2 ( a ) ( i ) -exclusions except as provided in paragraph three, consumer report does not include a subject to section 1681S - 3 -of this title any ( i ) Report containing information solely as two transactions are experiences between the consumer and the person making the report. The law clearly states transactions or experience between the consumer which is myself and you the comp corporation making the report are not included on my consumer report. Utilization is an experience with the line of credit that was extended between the Consumer and me the person. Congress clearly states that the reporting transactions are experience between the consumer and the person making the report is not to be included on internal reports. My privacy rights has been violated and I have been denied credit due to your reporting of late payments and utilization.
Consumer complaint received 2020-10-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (NC)

Credit began on XXXX XXXX Balance {$9200.00} Monthly Payment {$240.00} XXXX XXXX XXXX APR 24 % used vehicle. Three years later Balance is {$7500.00} and they gave a deferment since XXXX until XXXX XXXX, they told me the will continue charging interest rate but they will put them at the end of the Loan because they gave to me an extension. Since XXXX until XXXX they said my monthly payment is going only to the interest, so right now I have paid {$900.00} just only in interest rate. Also I called them in XXXX because I had an accident I was off work and they gave m e an extension but they put a miss-payment mark in my credit report in XX/XX/XXXX. I continue struggling with my financial situation due covid19 but they said they will no help me with another deferment. In three years I have paid {$910000.00} for an used card and I still owe XXXX and my payments are going only to the interest.
Consumer complaint received 2020-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (IN)

My mortgage is with Huntington Bank. It is due monthly on the 1st in the amount of {$640.00}. I was late paying my mortgage this month, due XX/XX/2020and logged on to my account to pay the mortgage payment XX/XX/. I could view my account, and my banking account is also with Huntington and completely accessible, but was locked out of making my mortgage payment on their online website. Grace period for my loan is the 16th of the month, but this occurence is still one day less than the 30 days for it to be referred to the credit bureaus as delinquent. I acknowledge that I was late, understand a late fee ... but what I don't understand is why you are locked out of the website when you are trying to bring your account current? I have the conversation recorded with Huntington and they said that they now can lock you out of your account on the 16th day, and they can do so " without notice ''. Is Huntington purposely trying to promote foreclosures or promote ruining one 's credit score when a person is attempting to pay their bill ... especially in economically trying times like COVID?
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (NY)

XXXX said several times its impossible for pre paid phone to go into collections, I paid in full have recordings and app Im in great standing w XXXX and they said that these collections agencies are fake they looked up first one, not real and as to triple check things on my end they ran my Ss # to make sure no other things out standing w them
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Back in XXXX, I had a secured credit card with XXXX XXXX XXXX XXXX There was fraud on the account, which resulted in a new card issuance. XXXX charged back too many accounts, which resulted in a disagreement as to debts owed. My secured limit was {$1400.00}, I closed the account and was told I owed {$850.00} dollars. I disputed it several times to no avail. 

In XXXX, I received a 1099-C ( Cancellation of Debt ) from XXXX for this {$850.00} dollars. XXXX reported to the credit bureaus that the {$850.00} was a charge off- in XXXX. 

On my XXXX tax return, I added the 1099-C to it, and of course it acted as income, for which I had to pay taxes on. 

In XXXX, XXXX, I disputed this transaction with all 3 Credit Bureaus, I also submitted a copy of the 1099-C, as proof to show that this was no-longer a Charge Off, and that in fact this is basically a Charge Back. XXXX credit card department is upholding this as a current debt. 

I tried calling and speaking with XXXX, but none of the associates, even their supervisors understand how a 1099-C works and believe that the debt is still owed.
Consumer complaint received 2024-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XX/XX/2024 Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. 
I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-04-28
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. (TN)

Hello I have been contacting this company XXXX EXPERIAN AND XXXX for the past 7 months about this account on my credit report. 7 months and NOONE has gotten back to me. The reporting of those accounts violates USC 15 1681 b ( g ) 3. Medical information being released is violating my consumer rights. Please investigate this and remove it from my credit report asap im tired of waiting on responses in the mail that NEVER COME. The accounts are as follows below. They violated MULTIPLE laws thats I can sue for and I have the proof. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-09-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/XXXX I sent a {$10000.00} payment to my contractor for work in my home by Paypal. 
The money was immediately deducted from my account. 
As of today, XXXX XXXX  is still unable to retrieve or collect the money. 
Paypal told him to cancel his business account, and open a personal account. 
I am unable to cancel the payment, or recall the money. 

Transaction Transaction ID : XXXX I spoke to their customer service representative, and even escalated to a supervisor, but they will not return my money, and the recipient still can not access the money.
Consumer complaint received 2022-06-15
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. (FL)

ACCOUNTS ARENT MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Hillcrest Davidson & Associates (GA)

Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX hired a third-party collection Hillcrest Davidson Agency to report an item on the credit profile. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.