davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
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. (GA)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXXXXXX 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 2021-07-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have sent certified letters to each bureau requesting the debt be verified and to no avail. Here are the items on my report : XXXX XXXX XXXX # XXXX, XXXX  XXXX  & XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX, XXXX. Also XXXX XXXX  XXXX # XXXX.
Consumer complaint received 2021-07-13
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: CURO Intermediate Holdings (IL)

Upon checking my credit report on XXXX, I noticed various " hard inquiries '' from companies from which I've never applied for a loan. 

On my XXXX  report, a hard inquiry is shown Curo Management, LLC dated XX/XX/2021. I did not apply for any product with Curo ( or any brand or company owned by Curo ) on that date. 

I reached out to Curo via email on XX/XX/2021, and followed up on XX/XX/2021, asking them to investigate and remove these unauthorized hard inquiries. I did not receive a response. 

On my XXXX  report, a hard inquiry is shown from XXXX XXXX for the same date, XX/XX/2021. I contacted XXXX customer support on XX/XX/XXXX and followed up again on XX/XX/XXXX, but the team did not investigate the unauthorized hard inquiry nor remove it from my report. 

I would like these unauthorized inquiries removed from my credit reports, as they are damaging my score.
Consumer complaint received 2021-06-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CREDIT ACCEPTANCE CORPORATION (IL)

Requesting debt validation ( 15 USC 1692g ) for XXXX XXXX Ive sent 3 affidavit request for physical proof. Theyve gone unanswered.
Consumer complaint received 2022-11-01
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. (TX)

In accordance with the Fair Credit Reporting act -XXXX XXXX XXXX XXXX ACCOUNT # 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 1666B A billing error 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 2022-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (KS)

A collection agency " Midland Credit Management '' started threatening me about a XXXX XXXX XXXX bill. I've never had a XXXX  XXXX card, the card address was in North Carolina, I've NEVER lived outside of KS. The dept was not on my credit report, but the false North Carolina address was, which has been removed. 

Balance : XXXX The first I was contacted about this debt was by phone, late summer of 2020. On each of multiple calls, it was explained, never lived in NC, never had XXXX XXXX card. First contact in writing was XX/XX/2020. They mentioned another person on the account with a name other than my husbands, with a SS # different than my husbands. This info was also reported to them as not correct. 

Credit reports checked and found no mention of this debt. Reported the possible ID theft. 

About the same time, a fraudulent unemployment claim was made against me. I and my employeer reported it to the state of KS.
Consumer complaint received 2021-07-13
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: EQUIFAX, INC. (IL)

Upon checking my credit report on XXXX, I noticed various " hard inquiries '' from companies from which I've never applied for a loan. 

On my Equifax report, a hard inquiry is shown XXXX XXXX, XXXX dated XX/XX/2021. I did not apply for any product with XXXX  ( or any brand or company owned by XXXX  ) on that date. 

I reached out to XXXX via email on XX/XX/2021, and followed up on XX/XX/2021, asking them to investigate and remove these unauthorized hard inquiries. I did not receive a response. 

On my XXXX  report, a hard inquiry is shown from XXXX XXXX for the same date, XX/XX/2021. I contacted XXXX customer support on XX/XX/XXXX and followed up again on XX/XX/XXXX, but the team did not investigate the unauthorized hard inquiry nor remove it from my report. 

I would like these unauthorized inquiries removed from my credit reports, as they are damaging my score.
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (GA)

In XXXX of 2022, someone opened a credit card at Truist Bank in my name and put {$3200.00} on it. I do not bank with Truist at all! I found out about it in XX/XX/2022 and I have repeatedly tried to speak with someone in the fraud department or customer service at Truist concerning this. In late XXXX XXXX I was finally put in contact with a Truist fraud specialist who was supposed to be handling my case. On XX/XX/XXXX, I sent this " specialist '' a copy of documents confirming my identity ( things that she requested ) via email. I have repeatedly tried to follow up with her by email and phone to get an update and she has failed to respond. This fraudulent credit card remains on my credit and is ruining my credit score.
Consumer complaint received 2021-07-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

To Whom this may Concern First of all please forgive me about my righting skills and spell, I'm XXXX, Sorry about this. 
any ways, I desperately asking that Transunion XXXX  and XXXX  credit burues take a long and hard look at my credit report payment history. 

i'm sorry but I fel that i'm being treated very unfairly here. I'm XXXX years old and been at my current employer for over 15 years. 

I was brought up as a kid to be very reasonable, if you owe someone money you pay them. 

but anyways to the subject here regarding ( XXXX XXXX XXXX XXXX ) I been a customer of there's for over 3 1/2 years, I had great payment history with them, never missed a single payment, i beg you please look at my account with them you'll see for your self, then the huge pandemic happen, and i feel into the ground, not only with this creditor but others as well because of being laid off, and getting XXXX  XXXX but as soon as i started working again, I contacted the creditor directly and sent them sevral letters explaining what had happen, they stated they due what they could and thats it. 
will nothing i've disputed this with all three credit bures and nothing is happening. 

I'm desperately asking for forgiveness here, I don't desver to being thorn in the ground like this with my credit score or credit report, I'm a good hearted XXXX XXXX. 

I contacted the creditors and payed them all in full. I owe a {$0.00} balance on all of theses accounts. Why in the heck would ive payed all theys accounts if i was just being a losser. 

no thats not how i was rased. They even had offered me a settlement offer, I choose to pay what i owed includeing all late payment intrest and everything. 

Please I beggeing you all to take a strong look at this and give me a little leanaly, Im truely a good guy, pleaee help me with this pleae
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( XXXX5 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted on Time : I made the payments on time ; however, due to a clerical error by XXXX, the payment was not processed until after the due date, resulting in an incorrect late payment entry on my credit report. I have attached a copy of my bank statement and payment confirmation showing the transaction date. 
Inconsistent Reporting : There are inconsistencies in how the late payment was reported across different credit bureaus, which further suggests an error in the data handling by XXXX. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-07-13
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. (CA)

Hi, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I am in the process of buying a house and can not do that and provide for my family with these inaccurate accounts on my credit report. Thank you.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2021-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX Dear Sir/Madam : In XX/XX/XXXX we closed on our property at XXXX XXXX XXXX. 
During the closing we had paid approximately XXXX in closing cost and XXXX down payment on the property. Our credit score was > 700+ however we had received a very high interest rate ( see attached ) as well as a recommendation for XX/XX/XXXX mortgage. We had purchased through a mortgage broker. 
1. At the closing we did not realize that the XXXX was not added to the cost of the house instead of XXXX our first statement indicated XXXX. we called HSBC and was told a correction would be made several times as of today this was never rectified. 
2. During hurricane Sandy we requested to refinance, we were told we were not eligible and would be better qualified for a mortgage modification. 
XXXX. Due to severe damage to the roof of the house and the amount to be paid monthly they offered us during this process, to pay half which we did until the modification was completed. Please note from XX/XX/XXXX until present we were never late on our mortgage payments. 
XXXX. After the modification was completed XXXX was added back to the house payments. With a 4 % interest rate. 
XXXX. Several months after, our mortgage was sold to XXXX XXXX XXXX 
Over the pass 8 years we have paid our mortgage via XXXX XXXX, and in reviewing our payments which has increased over the years, we called XXXX XXXX on Friday. We were told we have another escrow shortage of $ XXXX, which will then increase our mortgage payments again. 
They suggested we refinance. Then they told us we have a XXXX mortgage, but over the years we are now at 32 years. We have been living in this house since XXXX. We thought we had roughly 15 years left to pay off the mortgage. 
We would like some form of assistance in reviewing both HSBC prior mortgage and this current mortgage. 
Please advise. 
Respectfully, XXXX XXXX + XXXX XXXX
Consumer complaint received 2021-07-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

For several weeks I have been trying to open a Capital One 360 Checking account but get an error message to call in to verify some information. Apparently Capital One has my SSN associated with a XXXX XXXX XXXX which has prevented me from continuing further. I have been " highly verified '' by Capital One and their associates tell me that they are correcting the issue but never do. I have called in numerous times to resolve this matter to no avail. They claim there is a one digit discrepancy in the SSN numbers. I have three long standing credit cards with Capital One that the banking division could verify with the credit card division and easily see that my SSN indeed belongs to me and not the other gentleman.
Consumer complaint received 2021-07-08
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Alum Financial, LLC (NJ)

To whom it may concern, I was contacted by this company that they were affiliated with the department of the education the were stating how i was qualified for this loan forgiveness program that ill have a 0 interest rate if I join them. and they said I had to pay them {$150.00} for 5 months then all my student loans will be XXXX for 2 years well my student loans were already {$0.00} until XX/XX/XXXX before this company even contacted me and i told them that and thats when they were bribing me about the 0 interest rate as per XXXX the rep there. they got all my information from my student aid account they wrongfully changed my password and fed ID to Federal aid account. I got several emails from my Federal student Aid that there is suspicious activity on my account so I call them and asked they said did you change your password I said no I didn't then I asked the rep about this company that reached out to me they stated that Alum Financial is not affiliated with the department of education and they suggested to change any financial information they may have. There has been a lot of scamming with the federal loans and i know for a fact im a VICTIM. The rep told me from Federal student aid said its been alot of it going around. so after i called I immediately called them and asked them where my money is going if im supposed to be paying for loans through XXXX XXXX the lady XXXX told me it goes to there services they rendered my issue is with this is that you can consolidate your own loans for free on the DEPT OF EDU website I spoke to two different people from this Fraudulent company that i want to cancel whatever you have I want you to delete all my information from your data base they REFUSED to do any of that instead they were threatening me saying that they will take legal action that they will destroy my credit and garnish my wages so i called Dept of EDU to complain and they told me they cant send you to collections if were your loan server not them i canceled on XX/XX/XXXX with XXXX XXXX from Alum and they still harass me and threatening me demanding money till this day..
Consumer complaint received 2021-12-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (IL)

On XX/XX/XXXX my vehicle a XXXX XXXX XXXX XXXX was totaled in a car accident. Because I am in a Chapter XXXX bankruptcy there was a certain process that I and my insurance company had to go through so that the balance I owed on the vehicle ( approximately {$2500.00}. ) would be paid first and then I would receive the balance and my insurance company would receive the car title/letter of guarantee. In mid XXXX my insurance company XXXX conversed several times with both my Attorney and Kia Motor Finance and was reassured by Kia Motor finance that they would send the letter of guarantee within XXXX business days with the exception of the XXXX holiday. We are now in XXXX and my insurance company has not received the letter. Both they and I myself have called KIA Motor Finance and they have not been cooperating. I have requested to speak with a supervisor and none are ever available. I have left my contact information and have not received a call back, an email, nothing. They have refused to discuss the holdup with my insurance company only telling them it could take up to 1 month ( 30 days ) before they send the letter. This is unethical and ridiculous. This is generally a process that takes XXXX to XXXX business days at the most. Can you please assist me and my Insurance company with this matter. At this point my Attorney has done his part. 
To verify the above information you can contact XXXX Insurance Representative XXXX XXXX XXXX XXXX XXXX. If you need to speak with my Attorney I can provide his contact information as well.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

My wife and myself lost our jobs due to COVID. I have found another job at a lower income and my wife has not had her income come come back. Our house mortgage is in forbearance which is not to adversely effect my credit. I have noticed that my credit rating Has dropped and one of the reasons given : Not enough balance paid down over time on real estate secured loans Description A real estate secured loan can be a first mortgage, a home equity loan, or a home equity line of credit. The amount that has been paid down on your open real estate loans is low. People who haven't paid down much of their real estate balances are higher credit risk than people who have This specific information is from XXXX XXXX that I receive through XXXX XXXX ( my credit union ), but my score has dropped on every other financial website that I have received scores from, and when inquiring to my credit history and checking my credit report from the three bureaus I am unable to find where or how this is calculated or why it is being used. 
XXXX XXXX provides credit score reporting via XXXX XXXX. 
How is XXXX XXXX unique? 
It is a tri-bureau score : a single score analyzing the data from all three reporting bureaus Is there any remedy since I thought under the CARES act and my mortgage being in forbearance it would not be effected?
Consumer complaint received 2021-07-13
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. (MO)

There's an unknown account on my credit file inwhich I have absolutely any knowledge of, therefore I'm demanding that this account be removed immediately from my credit file. 

1 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-01
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. (GA)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXXXXXX 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 : {$0.00} XXXX XXXX  Balance : {$0.00} 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 XXXX XXXX XXXX