davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-08
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. (CO)

XXXX ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX   XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and a copy of my Ballot with name and address for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I received a letter from Transunion regarding my previous complaint. The action they took is inadequate and not appropriate for this situation. They added remarks to each of the negative items from XXXX and XXXX instead of removing them. It has been over 7 years since the first late payment for each of these accounts, they need to be REMOVED. This has not been an issue with the other credit reporting agencies. I will be seeking legal representation if this matter is not resolved quickly.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NY)

I am writing to dispute a Hyundai reported delinquency on my payoff of the lease-end residuals. I just want to take this opportunity to point your attention to the fact that I have 2 leases with Hyundai Financials for the entire life ( 3+ years ) of these leases I was never late with my payment. 
I was paying it off in a good faith, as arranged with their lease-end dept. representatives, who reassured me that have time to pay until charge-off of the Account, that would have happened in XXXX, 2021, when I spoke to them in XXXX and then again in XXXX. Based on that arrangement I spaced my payments to complete paying off the balance by end of XXXX. To accomplish this I was making 2 to 3 payments a month ( see below ). 
Date Received Amount XX/XX/2021 {$400.00} XX/XX/2021 {$200.00} XX/XX/2021 {$150.00} XX/XX/2021 {$150.00} XX/XX/2021 {$150.00} XX/XX/2021 {$150.00} XX/XX/2021 {$300.00} Now when I found out that my account was reported as delinquent on XX/XX/XXXX, which caused my credit score to plummet, I called again and happen to talk to the same Hyundai representatives I spoke in XXXX, but he didnt acknowledge that arrangement, and continued to state that they didnt indicate that I have time to pay until charge-off of the Account that would have happened in XXXX. They caused me financial difficulty by reporting my account as delinquent to 3 credit agencies, which caused my credit score to drop 40+paoints ( from excellent to good ). 
As a result I filed a dispute with 3 Credit Agencies : XXXX, XXXX, and XXXX  and writing to you as a consumer with an excellent credit rating to right this wrong so that I can have back my excellent credit score that I worked so hard to build and maintain for the past 15 years. They ruined me. Looking forward to the positive outcome of this complaint.
Consumer complaint received 2022-12-12
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FORD MOTOR CREDIT CO. (NC)

So now we are aware that there was a negotiable instrument/assignment to this Company fraudulently, can we now have a sign statement under the penalty of perjury that his company is actually do anything. 
Definition of Identity Theft Noun The act of fraudulently obtaining and using another persons identifying information or personal financial documents, such as a signature or bank/TURST account, usually for the purpose of financial gain. 

Identity theft is the act of stealing another persons personal identifying information in order to gain access to his financial resources, or obtain access to other benefits, such as money, credit, or insurance benefits. Identity theft, sometimes referred to as identity fraud, is a crime that carries serious consequences. To explore this concept, consider the following identity theft definition In the attempt to try to resolve the fraudulent misrepresentation there have been negotiable instruments sent that was not entirely sent back. 
The company actually kept the payment they have the receipt.
Consumer complaint received 2022-12-07
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: U.S. BANCORP (CA)

With our credit card company Elan Financial Services I requested a credit increase. They then immediately pulled a hard inquiry XXXX on the same day XX/XX/2022. Without any response saying our credit limit was increased or not. They should have not made a hard inquiry twice on the same day. Again on XX/XX/2022 I requested a credit increase and they again pulled XXXX hard inquiries without any explanation. I contacted the company and they said they could not say why they had pulled a total of XXXX hard inquiries on my credit report and told me that I needed to file a complaint and that they had not further information available. In XXXX once they pulled the hard inquiries XXXX it dropped our credit score nearly XXXX points. XXXX XXXX out ups like to request the hard inquiries pulled from my credit report and elan financial services held accountable for pulling inquiries multiple times in the same day without any explanation.
Consumer complaint received 2023-03-27
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. (MD)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion ; XXXX XXXX ; XXXX XXXX XXXX # XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX , MD XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX , MD XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX/XXXX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX.
Consumer complaint received 2021-05-29
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2019-09-24
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. (UT)

XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX are double reporting an account on XXXX. This is the same account and it is really old and should no longer be on my credit, as well as they should not be double reporting. The XXXX XXXX 's original creditor is the XXXX XXXX XXXX but the XXXX XXXX XXXX is still reporting a collection.
Consumer complaint received 2022-07-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (VA)

I was never provided any written statements in regards to any medical debts whatsoever and did not know of their existence until they appeared on my credit reports. Ive attempted to dispute with the company directly and through all 3 credit bureaus multiple times. This has been an on going issue for almost a decade. I have no idea where these bills originated from, nor any information on dates of service or any break downs on services rendered per the law. Additionally per the new Medical Debt Relief Act ; as of XX/XX/2022 they are no longer authorized to report these debts on my credit reports as they are under {$500.00} and I have provided my explanation of benefits showing that I have no co-pays or deductibles or any financial responsibility with my insurance coverage. Ive attached letters and my insurance info to this complaint. If the companies do not remove these false reports, I will have to obtain an attorney.
Consumer complaint received 2021-08-10
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: Herbert P. Sears Co., Inc. (CA)

I am unaware of the listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2021-10-18
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: AMERICAN HONDA FINANCE CORP (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies :
Consumer complaint received 2019-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a very strong credit history, with a score in the 740-760 range. Further, I have a longstanding good relationship with Capital One ( no missed payments ). They denied me for a XXXX credit card today. By the information on their website, this card is available to people with good-excellent credit. Applicants can even have late payments on their credit and be approved. I have no late payments, nor collections, etc, and they denied me anyway. When I called to determine why, I got stuck in a loop of people who barely spoke XXXX, did whatever they could to get me off the phone and refused to provide additional information. It is my belief that Capital One has blacklisted me because I previously requested a change in the terms on my current card. They should re-review and approve my application for the XXXX card because I am deserving, both based on my credit history and relationship with them. There's no reason I shouldn't qualify for the Mastercard and even less of a reason I shouldn't qualify for the store-only version.
Consumer complaint received 2021-05-29
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 have demanded that all of my personal information on my credit report be 100 % accurate, which it is not. I have already provided proof of my address to Experian, which it has ignored internally citing that " it does not remove personal information for which its creditors are reporting '' even though the information that they are reporting are WRONG! I have provided Experian with a copy of my Drivers License and a copy of my Utility Bill. They are reporting inaccurate and unverifiable personal information about addresses and names that do not belong to me. 

I am " XXXX XXXX XXXX residing at address XXXX XXXX XXXX XXXX, XXXX SC XXXX '', as the letter and proof that I sent to Experian states that I am, and under section 609 of the FCRA I demand that all other inaccurate personal information be removed from my credit report. That includes all other addresses and name variations, as what is being reported must be 100 % accurate. 

I do not recognize the other addresses or name variations on my credit report, and they are wrong. I demand that they be removed, since I have brandished a copy of my federal ID and a Utility bill with 100 % accurate and verifiable information.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TN)

The collection on my account, which is for an incorrect amount ( I recently submitted a document directly to XXXX website showing the actual amount ), has been disputed every cycle for months now. In fact, the existence of the debt is subject to a legal dispute. To top it all off, the debt collection agency is not adhering to the Fair Credit Reporting Act on multiple points. Experian seemed to acknowledge all of this and removed the item after a series of disputes but it seems the item was duplicated. Since the original debt was incorrect, this duplication is also incorrect.
Consumer complaint received 2021-08-10
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. (FL)

I disputed XXXX XXXX/Account XXXX and XXXX XXXX XXXXXXXX Account XXXX on XX/XX/2021. The reason why I'm disputed these account is because they are reporting inaccurate on my credit report. Yet Experian has done nothing to change this. I dispute these accounts 4 times and still got no change. Experian say its verified but I provide the correct information several times that is not correct. Activity is reported after these accounts were closed. This is a violation of the law and is incorrect on both these accounts.
Consumer complaint received 2024-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I was a victim of identity theft. There are inquiries on my XXXX and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 2021-08-09
Product: Credit reporting, credit repair services, 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: Nationwide Recovery Systems, Ltd (LA)

Earlier this year, 2021, I was bombarded with anonymous phone calls to my home with demands for payment for an overdue bill from a company identifying itself as Nationwide Recovery Systems. I repeatedly requested that they send me paperwork to validate these claims. But, I received nothing in print to verify this company 's claim. I can prove that I have received nothing from this company as my room mate has USPS photo monitoring of our address. If they refuse to validate this claim, how am I to know if they have a valid claim. Just recently, when I attempted dispute this claim via XXXX XXXX, XXXX dropped my credit rating from XXXX to XXXX! How can they do this if the Nationwide Recovery Systems, Ltd.refuses to validate their claim? Through XXXX XXXX I keep a phone log, but Nationwide Recovery Systems , Ltd. doe not identify their calls. How am I to know that their calls are not from scammers.
Consumer complaint received 2021-05-29
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. (FL)

In XXXX of XXXX, I noticed that the creditor, XXXX XXXX XXXX had been placed on my credit report. I immediately contacted XXXX XXXX XXXX at the address provided on my TransUnion report and I contacted TransUnion to dispute the debt since I did not or have I ever had and account with XXXX XXXX XXXX. 

XXXX XXXX XXXX NEVER wrote me back or contacted me. 
TransUnion continued to report the debt first showing a balance of {$2500.00} for about 6 months and then magically, after I disputed the debt again, TransUnion changed the balance of the debt to {$0.00} and I have never paid or contacted XXXX XXXX XXXX because the debt is not mine. 
On today, when I look at my credit report TransUnion has placed the following text under " Payment Status '' - UNRATED OR BANKRUPTCY. I DO NOT HAVE A BANKRUPTCY AND THIS ACCOUNT IS NOT MINE AND NEEDS TO BE REMOVED FROM MY TRANSUNION REPORT IMMEDIATELY. 

TransUnion continues to respond with " THIS DEBT HAS BEEN VERIFIED ''. I've asked them " VERIFIED BY WHO ''. XXXX XXXX XXXX is not verifying this debt with TransUnion because they don't even answer my letters.
Consumer complaint received 2022-07-25
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. (TX)

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$330.00} ; XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$7500.00} ; EXPERIAN XXXX XX/XX/XXXX ; EXPERIAN XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; US SM BUS ADMIN ODA XXXXXX/XX/XXXX XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX
Consumer complaint received 2021-08-09
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 — Investigation took more than 30 days
Company: CL Holdings LLC (TX)

On XX/XX/XXXX and XX/XX/XXXX, I submitted a complaint to Jefferson Capital Systems. In my request, I disputed the unverified data and requested proof of debt. It is now XX/XX/2021 and the unverified debt remains on my XXXX  and XXXX  Report. In my request for removal- the debt agency claimed the debts have not been reported. The attachment has been supplied. However, the item remains on both described reports for - {$1600.00}.
Consumer complaint received 2019-09-24
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

We were previously in financial crisis due to a bankruptcy with XXXX XXXX ( loan Number XXXX ) they sold our mortgage just as we started a loan modification process to SLS ( XXXX ) new loan number. 

SLS started the foreclosure process and than offered us a modification. We jumped on the opportunity to stay in our home, where we have remained for the last 18 years. 

We have jump thru every hoop with Specialized Loan Processing, even following up with phone calls that were recorded, telling us we are on track and the modification is a go. 

We sent in every payment and we were told to continue to send in the payments and we should expect the loan documents to complete the process of the loan modification and we would be on our way. 

Well, they did a bait and switch ... ..they sent our XXXX payment back to our home address and it had nothing to do with lack of payment. We have made every payment faithfully and sent the checks 2 day mail with tracking to make sure there were no problems. 

Now, we find ourselves helpless and no where to turn for this deviant behavior from a large corporation. They should not be allowed to lead on a consumer and than pull the carpet out. 

this is so offensive to a family that is trying to save our home
Consumer complaint received 2022-07-25
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.