davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-13
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: Experian Information Solutions Inc. (SC)

Hello, My name is XXXX XXXX. I am submitting this request due to some unauthorized inquiries which are on my credit report. I have inquiries from the following companies to whom I did not authorize : XXXX XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX Experian XXXX  Automobile Financing Company XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX TXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX 2 Automotive Dealers ( New ) XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TXXXX XXXX XXXX/XXXX XXXX Mortgage Companies XX/XX/XXXX Experian XXXX XXXX   Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX   XX/XX/XXXX XXXX XXXXXXXX XXXX Credit Cards/Airlines XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX   XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance Companies XX/XX/XXXX Experian XXXX XXXX Automobile Financing Company XX/XX/XXXX Experian XXXX Auto Reseller XX/XX/XXXX Experian XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   Automobile Financing Company XX/XX/XXXX Experian XXXX XXXX XXXX XXXX   Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX I have listed what reports are showing and I have no intentions of applying for credit. These multiple inquiries make me look desperate and that is far from the case. I think that these unauthorized inquiries make me look very irresponsible and makes it almost impossible for me to apply for future credit if needed. I have made various attempts to solve this matter but it has gotten me no where. I've tried calls and letters to those listed above and they've done nothing to fix it.

Please get these unwanted and unauthorized marks off of my credit so that I can enjoy the American dream.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Im 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 any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX FL XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance XXXX {$2000.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting this complaint regarding XXXX XXXX incomplete reporting of my credit card status. Over a year  ago, I paid off this credit card in full, reducing the usage to 0 %. XXXX XXXX inaccurately reported this to TransUnion, XXXX and XXXX, where the account remains inaccurately reported in bad standing. The reports all show different things which is unacceptable and unprofessional. 

Complaint Basis : Under the Fair Credit Reporting Act ( FCRA ), information furnishers are required to report accurate and complete information to all credit bureaus. XXXX XXXX failure to correct this information on XXXX and XXXX violates this requirement, which has impacted my credit profile and potentially harmed my financial standing. 

I request that XXXX XXXX promptly update the status of this credit card on XXXX and XXXX to reflect that it is paid in full, with 0 % usage. Please confirm that XXXX XXXX has completed these corrections on all bureaus. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-02-13
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Real Time Group, Inc. (MD)

I own an investment property and at one point obtained a second mortgage on the property which was later paid off. After the financial meltdown in 2007, mortgage holder went bankrupt. Unfortunately, since the event took place more than 10 years ago, I do not have any documentation that shows the release of the lien by the mortgage lender upon my full payment. Years later, Real Time Resolutions now demands payment on the loan which had an original principal of {$41000.00}. Real Time Resolutions " claim '' that they now own the debt but did not provide an evidence of chain of title. 

I refuse to pay twice for the same debt which is already been paid, and urge Real Time Resolutions to release the lien on my property.
Consumer complaint received 2024-10-05
Product: Credit reporting 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. (TX)

I've waited a long time to have XXXX inquiries on my Experian credit report. I've watched the date and patiently waited for the inquiry to fall off. Per policy, an inquiry should stay on your report XXXX months, and should not exceed XXXX months to the day of the inquiry. I currently have an inquiry on Experian with over XXXX months, that is still there. It should have fell off last month, then on XX/XX/year>, and again on XXXX & XXXX.
Consumer complaint received 2018-02-13
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: SLM CORPORATION (NY)

I already contacted the XXXX bureau and spoke with a representative who refused to removed reinserted information based on the error they made on my report and they ignore my concern after numerous letters and phone calls. I had no written notification regarding these inquires The hard inquires I'm concern about is XXXX XXXX, Sallie Mae and XXXX. I would like these to be permanently from my credit report. Please look into my issues that is real concern to my credit. Thank you.
Consumer complaint received 2018-02-13
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (FL)

I have had a XXXX XXXX/XXXX account in good standing for several years with automatic minimum payments enabled. On XX/XX/XXXX, I made a lump sum payment of {$1000.00} to cut my balance due in half. Within two weeks, they automatically cut my credit line by more than half by about the amount I paid from {$2000.00} to {$960.00}. They sent a misleading and dishonest letter claiming a " Credit Check '' had driven their decision. In fact, my credit rating has been steadily improving every month since XX/XX/2017. XXXX XXXX simply does not want to honor the XXXX Cash back policy and they are discriminating against borrowers of XXXX descent. They not only charge us above average interest rates, they also preemptively reduce our credit lines to keep our balances near their limits to maximize the opportunity to charge additional fees and higher interest rates.
Consumer complaint received 2018-01-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (CA)

After cancelling the card they wanted to send me another card. They also requested I send them a copy of a government paper with my social security number to clear an unknown transaction from XXXX XXXX that was on the card. I refused.
Consumer complaint received 2018-02-13
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. (GA)

On XX/XX/XXXX, i filed a request/dispute with Credit Reporting Agency via Certified Mail in reference to my Public record information on My report. Specifically the two bankruptcies XXXX & XXXX. The Agency - Equifax then alleged to have verified my public record information with XXXX and the US Bankruptcy Court. I  proceeded to ask for a Re- investigation on XX/XX/ and provide proof from the two organizations, the Bankruptcy court and XXXX that they did not provide the verification and in essence the credit bureau was not being truthful. My investigation included calling XXXX on XX/XX/ at XXXX, speaking to XXXX XXXX XXXX and her supervisor XXXX ( the call was also recorded ) and again on XX/XX/ at XXXX speaking with XXXX Agent XXXX. They both confirmed that their organization did not provide this information. The clerk of the court wrote a letter and confirmed they too did not furnish any information to Equifax. Their own two agents XXXX XXXX on XX/XX/ at XXXX and Previously XXXX XX/XX/2018 at ; XXXX could not provide information on the steps and method of verification the company used to verify the information. 
The only clear thing is that the Equifax is in direct violation of y rights and the law under the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the data furnisher of that information that the information has been modified or deleted from the file of the consumer. Among many other violations. They are unwilling and unable to verify any information and conduct due diligence as is required by the law and the FCRA and yet refuse to delete this information as is required by Law. 
I humbly ask for assistance in having this information deleted from my Credit file at Equifax.
Consumer complaint received 2018-08-25
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: AMERICAN HONDA FINANCE CORP (FL)

Dear to whom this may concern, I have two false accounts that do not belong to me and need to be taking off my XXXX  account immediately please. 

1. American Honda Finances XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/2017 Both of the accounts are on a closed status.These do not belong to me. This is effecting my credit tremendously and needs to be dealt with as soon as possible please. 



Thank you so much!
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XX/XX/year> : XXXX XX/XX/year> : XXXX XXXX XXXX XX/XX/year> :
Consumer complaint received 2018-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

We suffered water damage to our home which resulted in an insurance claim.  We followed the recovery procedure beginning with our insurance company.  They estimated the damage, and as required forwarded insurance claim documents to our lender including a check for XXXX.Our lender advanced us XXXX on XX/XX/XXXX.  On XX/XX/XXXX, we submitted a request for an inspection to release the remaining funds as the repair work was almost completed.  We have been advised by our lender that no additional funds can be released until an inspection has been made verifying the repairs.  Since XXXX XXXX, we have spoken to a representative of the lender's insurance claim department 11 times informing them that we have not been contacted by an inspector.  Each time they advised us they would ask for a new inspection and were told we will be contacted by an inspector to schedule an inspection.  We have never received that call.On XX/XX/XXXX, the project was completed.  On XX/XX/XXXX our insurance company gave us a final payment of XXXX which I am reluctant to forward to our lender.  During this entire time, we have used money from our savings to pay our contractor's bills.The name of the lender is Loancare.  Their insurance processing center is located at XXXX XXXX  XXXX, XXXX, SC XXXX.  Loancare's tracking No. for my claim is XXXX.We appreciate your assistance with this matter as we have no other recourse.
Consumer complaint received 2018-01-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (OH)

I siggned up for the XXXX XXXX XXXX credit card through XXXX XXXX on XX/XX/XXXX. I called on XX/XX/XXXX when no card arrived. I was told they would ship out another one. I called again on XX/XX/XXXXwhen no card arrived again. I called again on XX/XX/XXXX when no statement or card had arrived. I received the statement on XX/XX/XXXX. They said it was mailed on XX/XX/XXXX. IT does not take 11 days for a statement to arrive. It has a due date of XX/XX/XXXX to which I can not make a payment because there is not enough time ffor it to make it to them and I still have no card to set up online bill payment. I was told sorry we mailed it. out. I received the USPS servcie where they send pictures of your arriving mail. I can show where it was never in any of my incoming mail not that it was lost it was NEVER sent. XXXX was who I spoke to
Consumer complaint received 2024-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2018-01-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Financial Services, Inc. (MS)

I paid the balance in full to XXXX Hospital, XXXX MS I do not owe the {$120.00} and I have asked the debt company many times to contact XXXX where this was paid off and they have told me they would but it still has not been removed from credit report.
Consumer complaint received 2018-01-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Accounts Receivable Services (MN)

This complaint involves the debt collection agency XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX. 

I was aware that I had {$930.00} in medical debt that was overdue from a XXXX XXXX I suffered. When I called XXXX to set up a payment plan or settle the debt, I was threatened by XXXX ( did not give last name ) that my debt had already been filed with the court and I was being sued. He told me that I was due in court in a few days. He said I had to pay the full amount due and they would not accept any settlements. I let him know that I had never been served any court papers even though they have my correct address, which he verified over the phone. Even though I could not afford to pay the full amount, I knew I had no time to find an attorney or pay court fees so I paid the debt in full. 

After I got off the phone, I checked with the court and there were no cases filed against me. There was no pending court date. Everything XXXX said was a lie to force me into paying the full debt immediately over the phone and avoid any payment plan or settlement. 
I am extremely upset and disappointed. This is certainly an unfair debt collection practice.
Consumer complaint received 2018-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (CO)

this company XXXX says i owe them when i paid this bill off and they are trying to say i owe {$2500.00}, they keep calling me and harassing me saying i better pay it or they will sue me. I'm tired of the calls.
Consumer complaint received 2018-01-04
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SECURITY FINANCE CORP (GA)

The company is Security Finance in XXXX XXXX GA. When people such as my sister takes out a loan with them ; they are constantly calling the listed references ; especially if the reference is a relative to leave messages. 

My sister do not live with me and have ask them to stop calling my number constantly to leave messages regarding her debt. 

However, the calls are continuing and aggravating. 

Thank you.
Consumer complaint received 2024-11-04
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. (IL)

I have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX  XXXX ( XXXX ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX {$1300.00}
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I would like to dispute these inaccurate accounts on my credit report. 

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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX