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. (NV)

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 2020-08-20
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: Resurgent Capital Services L.P. (MI)

I have a loan with XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ), and LVNV FUNDING LLC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ), and LVNV FUNDING LLC with no successful resolution. There was definitely an error on their part.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 2024-11-07
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. (FL)

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXXXXXX Account XXXX  Date Opened : XX/XX/XXXX Amount : {$5700.00} XXXX XXXX XXXXXXXX Account XXXX  Date Opened : XX/XX/XXXX Amount : {$3600.00} XXXX XXXX XXXX  Account # XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Amount : {$6200.00} Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2022-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Went to Car dealer with a preapproval letter/lender in which i told them that i wanted to exclusively use, they ended up running multiple inquries ...? when they were not suppose to!!! I had a total of 7 inquiries!! Deceptive practice! 
1.XXXX XXXXXXXX XXXX XXXX 2.XXXX XXXX 3XXXX XXXX 4XXXX XXXX 5XXXX 6.XXXX  XXXX 7XXXX XXXX
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (DC)

Challenged credit information reported to Credit Reporting Agencies. Requested that Midland Funding, LLC supply me with ( a ) their authorization to collect, ( b ) their authorization to do business or operate in the state, ( c ) proof of the alleged debt, ( d ) a complete account history, including any charges added for collection activity. I requested the aforementioned under 15 USC 1692 ( e ) & 15 USC 1692 ( f ). Midland Funding, LLC has not responded to me within the ( 30 ) days allotted. They have not responded at all. 

Subsequent to the above I've demanded they remove this false report from all credit reporting agencies ' files. There has been no response. At this point in time Midland Funding, LLC is in violation of the above-stated statutes. 

XXXX XXXX  XXXX
Consumer complaint received 2022-09-21
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. (NC)

The Credit Agencies have not complied with my requests as well as the Fair Credit Reporting Act and continued reporting the disputed accounts and information as verified without sending me copies of proof of verification. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Under the Fair Credit Reporting act section 605b, the Credit bureaus are required to remove any accounts and information that resulted due to identity theft. The Credit Bureaus have failed to comply with the two Federal Regulations and is punishable by law. If the Credit Bureaus have claimed that the disputed items belong to me, they should have sent me copies of proof of verification and informed me of their findings, and yet the Credit Bureaus have not done so. I am submitting this CFPB Complaint to request to the Credit Reporting Agencies to please remove the disputed fraudulent accounts and information as soon as possible. Here is the list of accounts and information that were opened due to identity theft : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXXXXXX Balance : {$170.00} XXXX  XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX NC ) XXXX Balance : {$340.00} XXXX XXXX XXXX I ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$75.00}
Consumer complaint received 2020-08-11
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: CITIBANK, N.A. (SC)

To : Home Depot att Mr. XXXX Re : Deceptive billing practices From : XXXX XXXX XXXX XXXX Dear Sir, I wanted to write you to expose a huge deceptive practice I have recently encountered when looking into my Home Depot account. 



When I got my bill and saw the minimum payment I set up my XXXX XXXX XXXX online banking to pay my monthly payment to home Depot. In fact I paid an amount in excess of the minimum. Once I had this set up I did not visit your billing since I was on autopay. As luck would have it, I needed to check on one of my purchases. Well did I get a surprise and not a good one. 

I opened my statement and to my surprise I saw an interest charge. How could that be : I have set up auto pay, I was paying more than required. This was very disturbing to me so I called to follow up. 

What I learned was really bad!!! 

So even though the statement showed I had no payment due I was directed to the SMALL PRINT outside the billing information box. There I was advised is the reason for the interest charge and I was introduced to Promotional billing and Revolving charge billing. 

That is a highly deceptive process..statement shows nothing due and then the cleverly disguised revolving charges due. 

THAT IS AT BEST LESS THAN TRANSPARENT AND MORE ACCURATELY SMELLS OF OUTRIGHT DECEPTION. 

WHY NOT BE HONEST AND SEND 2 SEPARATE STATEMENTS : A-PROMOTIONAL BILLING B-REVOLVING PURCHASE BILLING I would like to hear your side of the story before I seek help of FINRA or other oversight agency. 



As a regular customer this is very, very upsetting. I will await your reply. 



XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX Driven by Excellence! 

SERVING WITH INTEGRITY! 

XXXX XXXX XXXX
Consumer complaint received 2023-01-24
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. (CA)

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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, HI XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX ;
Consumer complaint received 2021-06-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I am upset the credit bureaus have not responded back to me about my investigation. This Is serious. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and Still no word. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. do your job now!!!! I have attached my ID and medical record to show who i am!
Consumer complaint received 2024-12-04
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: Harris & Harris, Ltd. (LA)

I want proof that the account and amount owed is my account and the amount is accurate/correct. I also want an original copy of the agreement that was initially signed and agreed upon when the account was opened. If they are unable to provide the information, Im requesting that they remove the derogatory account/accounts from my credit report. Im also asking that if they have charged off, paid off, sold to a 2nd or 3rd party agency, etc. that they provide me with a 10-99. Im entitled to a 10-99 to repot this as income to the IRS. If they fail to do so, I will report the agency for fraud.
Consumer complaint received 2020-08-11
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC. (OH)

XXXX sent an email to my daughter today about the bill I owe them and information about my. My daughter does not have the same email nor does she live with me her email is XXXX mine is totally different. When I received a call from her today asking me if I owed XXXX XXXX I felt violated and do not believe they had a right to do so. She did email them back and let them know it was not okay to be contacting her with my personal information.
Consumer complaint received 2020-08-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

My brother was served with a summons with his name and my name listed on the summons. After receiving the information my brother called to inform me I was being sued. My brother shouldnt have been served with any sue paperwork for me. Wakefield and Associates Inc. ( WAI XXXX violated the FDCPA ( Fair Debt Credit Practice Act ) # 805. Communication in connection with debt collection. 

WAI also violated Act # 807 False or misleading representation. On XX/XX/2020 we appeared in court and I was presented with documentation stating they are suing me for {$3300.00}. In total there were 10 pages. The patient responsibility totaled out to XXXX. I have sent a copy of all documents to the Federal Trade Commission to give a more detailed understanding of my case. 

On XX/XX/2020 I was never given any type of consent form showing I signed for my information to be shared, which violates HIPAA policies.
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 — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

Experian has no right to post this info on my credit report.its inaccurate and discriminative. I need them to remove this data. I did not give them permission to post this on my credit report.
Consumer complaint received 2020-08-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute was sent on XX/XX/2020 and 30 Day demand to comply sent on XX/XX/2020.
Consumer complaint received 2024-12-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Monterey Financial Services LLC (FL)

A company by the name of XXXX XXXX XXXX posed as tax attorney 's stating they could and would XXXX  the back taxes I own to the IRS. This company has been identified as a tax relief scam. XXXX XXXX XXXX gave a contract I signed to pay them XXXX to a company called Monterey Financial Services LLC. I then realized that this was a tax relief scam. I called the IRS and they said no one has contacted them to help XXXX  my tax. I still owe the IRS money and now this company want 's me to pay them XXXX for services not given. I understand I can't submit a complaint for XXXX XXXX XXXX but I am submitting this for the company Monterey Financial Services LLC. The credit bureau 's require me to submit this in order to submit a dispute with them. 
Here is the contact information for both companies : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX Monterey Financial Services, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, CA XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-01-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (CA)

Greetings, My name is XXXX XXXX. I am contacting you regarding an auto loan with Santander Consumer. This company has already been sued over the business practices to the amount of {$65.00} XXXX  dollars. I had my car repo twice by this company. Funds were never an issue. My girlfriend and I have our jobs for over 5 years. I used my credit card to make my pays to keep all my bills all in my own place. Santander changed its policies without any notice. Santander no longer wanted to accept credit cards. I paid the fees and got my car back. To prevent this from happening again, I providing my banking info for auto payments for the car loan. Everything was fine for around 2-3 years. Until one day Santander was no longer taking the payments. This ruin my credit I tried to fight, in return Santander repo my car again. Even though I had the funds to get the car back. I was just had enough of the games and tired of jumping throw loops just to pay my car note. 

Thank you for your time, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (CA)

This is my second complaint about this company. My last payment to them was in XXXX. In XXXX, I was unable to log in, my account was locked. My monthly minimum went from {$55.00} to {$220.00}. I contacted the company and they are not willing to work with me. I've been harassed with phone calls 5 to 6 times a day. day and night, with one call being past XXXX XXXX. I was hospitalized for most of XXXX. I have been out of work and I would really hate to see my credit score drop. I have been working hard to better myself and they are not being helpful. I was shocked that they were expecting me to pay that much considering the circumstances. My minimum payment due keeps increasing and the fees keep piling up. Instead of my account balance going down, it keeps getting higher. The credit card company will not help. I've called several times and they keep hanging up on me. This account was closed. but the fees keep going up. I don't even have a card.
Consumer complaint received 2022-09-21
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. (MD)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$18.00} XXXX XXXX XXXX XXXX XXXX