davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My identity was stolen on XX/XX/2023. Someone fraudulently attempted to get a loan on my behalf. The company that this fraud activity was done with is XXXX XXXX XXXX. They have placed a hard inquiry on my credit report without my consent.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports and being a victim of Identity theft. I never received any notifications in regards to the investigation results. It has now been 30 days that I filed a 30 day demand to comply with the credit bureaus, and still have yet to receive a response.
Consumer complaint received 2018-02-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Focus Holding Company (IN)

IT started with XXXX XXXX i called them up XX/XX/XXXX for shipping boxes and called three straight weeks with my address did not get, i do owe XXXX XXXX and did my best to pay bill but got nothing back from them until i got a call from XXXX XXXX mange about bill.XX/XX/XXXX they said they had all my information but did not have my address. They put collection on my credit before they called or got any thing in the mail, i have lived at this address for three years, the address they had was rental for a family member which the cable was in my name.so i called them a day later to make a deal if they would write a letter to clear negative remarks on my credit and i would pay bill they said they won t do that. so they refused my money to pay off bill they wanted money first then send letter saying it was pay, they wanted my new existing address i will not give to them once again i will pay this. But the thing is they messed my good credit up and did not let me know until after they put in for collection. Did not give me a chance to pay off bill i worked for years to get my score up and they screwed  it up by not contacting me they had my cell but got no voice mail.
Consumer complaint received 2023-04-15
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: EQUIFAX, INC. (SC)

They took more than 30 days to investigate my case they must remove any items in questions according to the FCRA. YOU MUST DELETE XXXX XXXXXXXX  {$21.00} ACCOUNT IMMEDIATELY!!!
Consumer complaint received 2023-04-18
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: OneMain Finance Corporation (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-04-15
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: EQUIFAX, INC. (MO)

Hey, I'm XXXX XXXX and I'm here to follow up on a complaint I made earlier. I need you to investigate and fix some stuff on my credit file as per the Fair Credit Reporting Act. Firstly, there's an account called XXXX  XXXX that's showing a past due balance even though it's closed with a XXXX balance. That's just bad record-keeping, so please fix that ASAP. Secondly, another account called XXXX XXXX is also showing a past due balance even though it's closed with XXXX balance, which could mess up my credit. So please fix that too. And lastly, there's an account called XXXX XXXX that has the wrong payment status and history. It's showing a balance even though it's supposed to be a charge-off with a XXXX balance. So please provide proof of the last payment made or just remove it from my credit file altogether.
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (MD)

This is my second 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, MD XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX  XXXX XXXX XXXX Balance Owed : {$310.00} XXXX  XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$840.00} XXXX XXXX XXXXXXXX Balance Owed : {$440.00} XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXXXXXX Balance Owed : {$3300.00} XXXX XXXX XXXXXXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX XXXXXXXX Balance Owed : {$590.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenaci ; ous rebelliousness. XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/2020 XXXXXXXX XXXXXXXXXXXX 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 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX- XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I checked my credit report and seen that there were discrepancies, and the incorrect address is XXXX XXXX XXXX XXXX, GA. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Consumer complaint received 2023-04-20
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Monterey Financial Services LLC (MD)

This situation started over 15 months ago, I signed with XXXX XXXX XXXX and started a payment plan, since than I have not had any service from them, they have another company they work with called Monterey financial services llc. So far they have taken {$700.00} with no service, I told them I do not want there services any longer they want to report me to the credit agency. I have not had any services from XXXX XXXX they just signed me up and requested my docs and sent me paperwork to sign for service and now they want me to keep paying for no service.
Consumer complaint received 2023-04-17
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: EQUIFAX, INC. (MI)

have contacted Equifax, several times, via phone and mailed my ftc report that they have requested, several times and now a month later, I am nowhere. They are violating my rights as a consumer.
Consumer complaint received 2017-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (FL)

Back in XX/XX/XXXX I suffered a horrifying XXXX XXXX in which it had left me with a XXXX XXXX XXXX and a few other injuries as well. The car I was driving was a XXXX XXXX XXXX XXXX which I had purchased on XX/XX/XXXX by taking out a loan for {$35000.00} from PNC Bank. The vehicle at fault ran a stop sign and drove straight onto my driver door. I was unable to go about my regular days due to the injuries I had endured, and because of my injuries I was unable to make payments on the vehicle. I paid off the loan in full on XX/XX/XXXX. When I first got the loan from PNC Bank I had financed the loan for 75 months and  ended up paying the loan off in 10 months. My aunt was my co-sign on the loan and her, as well as me, both did not really understand how insurances or creditors work. We thought that my Gap insurance for the car would cover the full remainder of the loan and that we would n't have to worry about paying any more for it. During the time I was recovering and doing XXXX XXXX I missed a few payments and now its showing as a major delinquency on my credit which is preventing me from opening any new line of credit. I am requesting to dispute this delinquency reflecting on my credit for my lack of payment was not due to a deliberate act, but rather an unexpected accident. I am not a delinquent. I am a responsible XXXX XXXX XXXX in my XXXX XXXX who is in pursuit of becoming a XXXX. Please help me for I feel stuck in this mess. You may be my last hope in pardoning and removing this delinquency.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 : Section 602 states I have the right to privacy.

15 USC 168:1 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paypal Holdings, Inc (CA)

identity theft. my accounts were misused, a third party opened a false account with pay-pal using my name and received a total of {$85000.00} on XX/XX/2022. I found out about this when my bank account was being charged a monthly installment of {$1700.00}. I put a stop payment on the charges. The attorney representing Pay-pal sent me a letter asking me to pay the whole loan amount ( {$85000.00} ). Then I talked to pay-pal fraud XXXX who asked me to file A Police Report or file a case with FTC.
Consumer complaint received 2023-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX XXXX XXXX changed my car loan agreement without my consent. Someone in their office forged my signature and changed the contract amount to get the car loan from XXXX XXXX who is now reporting on my credit report. I reached out to XXXX XXXX and they sent me documents with the a new payment amount and my forged signature for the new contract. I never agreed to the new contract or signed it. The original contract was signed by me on XX/XX/20XXXX XXXX {$360.00}. They changed it on XX/XX/2019 and forged my signature on the new contract with the payment amount changed to {$390.00}
Consumer complaint received 2023-04-17
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: DAS Inc (CA)

Collectrix put a lien on my property because they said I owed a debt. I am not the person listed on the documents that they claim the debt is owed. I received the Judgement Lien and spoke to their representative who was very unprofessional and rude. After this, I sent them an email. Their date of entry of judgment was on XX/XX/XXXX and their declaration and date of notice were executed on XX/XX/XXXX. The statute of limitation is 10 years. The amount that the judgment is, is {$16000.00} + XXXX per day + collection cost. On XX/XX/XXXX and today on XX/XX/XXXX I emailed them a statement and their responses are asking me for personal information that is not needed, especially when they are sending documents and placing liens on property that is not even valid, as I am not the person who they should be sending a judgment to.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I took XXXX XXXX XXXX in XXXX XXXX. Since XXXX XXXX my account was set upfor Autopay and the payments were going through every month without fail. In XX/XX/XXXX for some technical reason not relatedto me, Autopay didn't go through for XXXX and XXXX of XXXX ( I later in XX/XX/XXXX learned from XXXX customer service that autopay was disabled by the XXXX due to a sales tax increase by the government resulted in an increase in my monthly payment ). I cleared late payments as soon as I was made aware of the issue in XX/XX/XXXX and re-enabled autopay. This was reported to the credit bureau and it is affecting my rating very badly even though I have been a loyal customer of XXXX and made all payments on time. I tried contacting XXXX customer care and they didn't help me with this. On XX/XX/XXXX I was transferred to the Credit Reporting department by the customer care team ( I might have gotten the name wrong ) and a lady spoke to me from that department, acknowledged my payments were set up for autopay and observed a similar issue ( of autopay not going through ) with other customers with autopay enabled for more than a year. She guided me to report the issue to the credit unions and she suggested attaching the autopay statement from XXXX whichwassent to me by her. For some reason, XXXX didn't acknowledge this issue on their end when Transunion and XXXX contacted them. As you clearly see auto pay not going through is not in my control. Yes, I could have realized this sooner but I was going through a COVID situation for myself and my family around that time which kept me busy. In the month XX/XX/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 XXXXXXXX. XXXX claims they tried calling me several times but I didn't see any voicemail evenif it is assumed I have missed their calls due to the XXXX XXXX  I wasgoing through.Please help me with this. I tried explaining this to XXXX several times and they didn't show any empathy about covid situation I was going through and the fact that the autopay disablement was due to XXXX 's reason. I have attached additional evidence about the XXXX  and health situation along with the autopay-enabled email.
Consumer complaint received 2023-04-17
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. (PA)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. 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 commission 's identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-12-12
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Armcon Corp (CA)

Per trying to resolve a debt the gentleman that I have spoken with on 2 occasions has been threatening, aggressive and never letting me resolve this debt, the interest etc, has sky rocketed and added more to the debt. 
He has hung up on me and refused to let me take care of this. 
This is unfair and I am not able to take care of debt and the amount keeps going up.
Consumer complaint received 2017-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Kabompo Holdings, Ltd. (AK)

The " public information '' questions they ask when verifying ID at XXXXXXXX XXXX and ( attempt at ) opening an account at XXXX contain inaccurate information and can not be answered truthfully.
Consumer complaint received 2023-04-15
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : -
Consumer complaint received 2023-04-15
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: Experian Information Solutions Inc. (IN)

The following hard inquiries on my credit report are incorrect and do not belong to me. please have them removed from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-15
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: Experian Information Solutions Inc. (NC)

This is my XXXX 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, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on.