davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
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: Experian Information Solutions Inc. (TN)

In accordance with the fair credit reporting act. This creditor has violated my rights under 15 USC 1681 sections 602, which states i have a right to privacy.15 USC 1681 section 604a section 2 it alsostates that consumer reporting agencies can not furnish a without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any reason. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I recently sent letters over 60 days ago to Equifax and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.
Consumer complaint received 2024-08-27
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. (VA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2020-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Higher Level Processing (NJ)

I had dropped out of school, and had a balance of a little over $ 11k. So I started working with HLP in XXXX 2018. The deal was for them to consolidate my loans, and I agreed on a 5 year deal, where on the 5th year I would receive total forgiveness. They also promised me that after the first 4 payments of XXXX, that I would begin to see a change in my loans on XXXX. This never happened however ; I recently cancelled in XXXX of this year because the monthly payments weren't affecting my loans at all. I believe I have been lied to. I contacted HLP in XXXX and they told me that I initially agreed on a 20 year deal back in XX/XX/2018!!!! This is not true and is so uncharacteristic of me. I know what I agreed to, and I never would begin payments to pay for more than the loan itself!! My income was low, so I was paying {$19.00} per month, and what they told me was that i agreed to 20 years of paying {$19.00} a month. I was scammed and I demand a refund of more than {$1000.00}. I payed this company.
Consumer complaint received 2020-12-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am a Capital One Auto customer. I had expressed to them earlier in the year I was negatively affected by COVID-19, payments were waived due to severe loss of income. In XX/XX/XXXX my vehicle was totaled within 24hrs of a house fire. However, in XX/XX/XXXX, I lost employment. I did not receive any unemployment until XX/XX/XXXX where I caught up on primary bills while raising my XXXX children alone -- - nonetheless, I made a payment to Capital One. XXXX week later it was announced unemployment amounts would be reduced ( lowering the extra monthly unemployment I just became eligible for -- to XXXX ). I did not gain employment until late XX/XX/XXXX as school is out and I needed work from home. But again last month, I was catching up .... I reached out to Capital One Auto this XX/XX/XXXX regarding payment and was advised I had until XX/XX/XXXX to pay XXXX or damage my credit for 7 years [ SIF agreement of {$1100.00} or make payments to a charged off acount ]. I requested an exception due to hardship expressing that Capital One considered the coronavirus impact for an interest baring auto loan but not my non-interest total loss -- which is 5x 's my monthly car note. I was advised the policy was 120 days regardless of the COVID effects and my account would be charged off next week -- - even after I come to them financially better ( not great ) and ready to make payments. We made an agreement for payment relief long before I fell behind. I was up to date on payment when the agreement was made to defer payment. This is still a pandemic and Capital One is expecting me to potentially hurt my household by extended them {$3000.00} instead of payment with the possibility that my family is affected once again. Capital One advises if there is trouble paying the bill " contact them '' but in reality, once you speak with them they have a cut and dry -- who cares whose dying policy. How is there no hardship program in place? Moreover, it was my impression the Cares Act had things in place for overwhelming threats like this since NJ is still in a state of emergency until the end of XX/XX/XXXX. Please assist in how I should approach this dilemma ... also allowing others to see if banking with Capital One fits their needs if the future of COVID changes things again.
Consumer complaint received 2020-12-23
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. (CA)

There is a XXXX account reporting on XXXX and Equifax that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly with XXXX, XXXX, and Equifax and they have failed to remove it from my credit report.
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (IL)

Back in XX/XX/2019 my TJX synchrony Bank store card was lost in the area and someone was using it to buy things at the store totaling {$3100.00} charges started on XX/XX/2019 through XX/XX/2019. I never received a call from the bank to verify if I was making the charges and this was not a normal spending pattern for me and they increased my credit line which I knew nothing about either. They allowed the person to go over my credit line and never called to verify charges. Then I call them when I noticed my card was lost and got a bill with unauthorized charges around end of XX/XX/2019 and they send me the affidavit and stop the card. I sent back the affidavit. Then I get a letter stating in XXXX that they are working on it and then I get a letter later stating that I benefited form it or authorized it and since I have had them reopen the case And I did everything asked of me. I filed a police report, I filed an identity theft report and affidavit and I have been making payments on this balance because I dont want it to affect my credit but I again sent them a letter to dispute again.
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Klarna AB (AZ)

On XX/XX/22 I attempted to manage my Klarna card via their mobile app. The application returned an error stating that my identity couldnt be verified. I did not agree to any additional credit checks so I am unsure what the verification is for. I was simply attempting to manage the account to prepare for an address change. I contacted Klarna using the number printed on the back of the card, XXXX, and was connected to a representative who sounded like they werent sure what I was talking about. After a silent hold, they came back and said they couldnt support me and that they would forward my request elsewhere.
Consumer complaint received 2020-11-16
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. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

I am writing to dispute the accuracy of the information on my credit reports provided by XXXX, XXXX, and Equifax. After reviewing the reports, I have identified inconsistencies that I believe warrant your attention and resolution. I kindly request that you investigate and rectify the inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

Account Details : XXXX XXXX Account # : XXXX Account Type : Installment Account Type - Detail : Auto Loan ( reported as Unsecured loan by Equifax XXXX Bureau Code : Individual Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX ( reported as XX/XX/XXXX by XXXX XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX ( reported as XXXX by Equifax ) High Credit : {$30000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current ( reported as Late 30 Days by XXXX ) Last Reported : XX/XX/XXXX ( reported as XX/XX/XXXX by Equifax ) Inaccuracies and Potential FCRA Violations : FCRA Section 623 ( a ) ( 1 ) ( A ) - Reporting Accurate Account Information : The " Date Opened '' is reported differently by XXXX and Equifax, with a discrepancy of approximately one month. This inconsistency may be a violation of FCRA Section 623 ( a ) ( 1 ) ( A ), which requires credit reporting agencies to provide accurate and complete information about consumer accounts.

FCRA Section 605 ( a ) ( 4 ) - Reporting Accurate Account Status : XXXX reports the account as " Late 30 Days, '' while XXXX and Equifax indicate " Current '' and " Paid, '' respectively. This inconsistency may violate FCRA Section 605 ( a ) ( 4 ), which requires accurate reporting of the account 's payment status.

FCRA Section 605 ( a ) ( 6 ) - Reporting Accurate Credit Limit : Equifax erroneously reports the " Account Type - Detail '' as " Unsecured loan, '' which affects the " Credit Limit '' field, showing " {$0.00}. '' This is inaccurate as the account is an " XXXX XXXX '' and does not have a credit limit. This may be a violation of FCRA Section 605 ( a ) ( 6 ), which mandates accurate reporting of credit limit information.

I request that you conduct a thorough investigation into these discrepancies and promptly take corrective action to remove the inaccuracies from my credit reports. As per the FCRA, please provide me with written confirmation of the corrections made. 

I am attaching copies of relevant supporting documents that validate my claims. I trust that XXXX, XXXX, and Equifax will fulfill their obligations under the FCRA to ensure accurate and fair reporting of consumer credit information. 

Thank you for your attention to this matter. I anticipate a swift resolution and the removal of the inaccuracies from my credit reports. 

Sincerely,
Consumer complaint received 2020-10-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi XXXX and how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-10-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi XXXX XXXX XXXX XXXX XXXX ; and how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-11-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NJ)

Last year i spoke to LVNV FUNDING LLC regarding an amount that was not used by me. The amount was XXXX that i was told someone in Connecticut was using at the time. I spoke to the company and i was told by XXXX XXXX XXXX that someone was using the card in Connecticut.The card was not in my possession.XXXX XXXX XXXX decided to report on my credit. I have never been to Connecticut before.I reported the card to XXXX XXXX and nothing was done i was told someone used the card in Another state and no one fixed the issue instead they reported an amount that was not used by me.
Consumer complaint received 2020-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

To Whomever This May Concern : First and foremost, this is me, XXXX XXXX submitting this complaint. I am not using a company. This is me filing this complaint. I am submitting this complaint because this company named XXXX XXXX XXXX, has shown up on my credit report. I have never heard of this company, I have never had a debt with them or any other company. This is identity theft and it doesn't belong to me. I need this removed off of my credit report asap. This has been removed before as fraudulent and it looks like it has been sold. I am not happy because Equifax, XXXX, and XXXX  should not be adding fraudulent items to my report as I am a victim of theft. I am not pleased with this. I have not received any responses to my dispute letters and I am demanding that this is removed from my credit report asap before I have to file a lawsuit per my attached letter.
Consumer complaint received 2020-11-15
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. (CT)

I started and investigation request on XX/XX/2020 with follow up request and this company have not send me updates or share the process of there investigation, inaccurate information is been reported to my credit report and this company have not remove them. please investigate. 

please see attached all the letters sent and my ID
Consumer complaint received 2020-08-28
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. (AR)

My identity has been compromised. I have no idea who could of done this to me. As I pulled my report, I saw an outrageous amount under my name that are not mine. Please delete these items from my report. XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX, XXXX XXXX {$65.00} XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$230.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} XXXX XXXX {$6700.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$120.00} XXXX XXXX {$710.00}
Consumer complaint received 2020-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020, I went to XXXX XXXX XXXX in XXXX Fl, to Purchase a car for my son, using installment financing. When the dealership went to XXXX for my credit score, the report yielded a XXXX credit score. So I signed up for the XXXX XXXX XXXX and that report shows a XXXX Fico Score for XXXX. Not sure why there was no credit score provided to the dealer but I need this fixed immediately.
Consumer complaint received 2020-10-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Tribal Lending Enterprise, Inc. (SC)

Mountain Summit Financial deposited money into mine and my wife 's checking account on XX/XX/20 in the amount of XXXX. That was not requested nor authorized. This had happened one time before with this company and my wife spoke with them back in XXXX about it. They are doing this thinking we won't notice it and then have to repay them the money with interest a ridiculous interest charge. This is fraud plain and simple. When my wife spoke to them back in XXXX they insured her that it was flagged and it would not happen again. Well here it is, it happened again. I also spoke with my bank and they said on their side it is nothing they can do, the only thing we would be able to do with them is close our checking account and open another account, which means we would have to change our info with all of the other companies that we have set up to do our bills and our work direct deposits, which we would only do as a last resort. This needs to stop.