davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

I am writing to formally request the removal of hard inquiries from my credit report, which I believe are inaccurate or unauthorized. I have reviewed my credit report and found these inquiries to be not properly authorized. When I went to apply for credit at these locations, they stated that it will not affect my credit. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

on XX/XX/XXXX I purchased some XXXX tickets for {$300.00} and made the payment through XXXX. The following day, XX/XX/XXXX I found out that it was a fraud. 

I contacted the seller and asked for a refund to which they said no. 

I then contacted my bank, Chase, through which I made the payment to ask for their assistance in reporting it to assist getting my money back. They said there was nothing they could do. I tried to elevate it, but they stated again that there was nothing they could do. 

I am now out of {$300.00} when I thought my bank would assist in reporting the fraud.
Consumer complaint received 2019-03-28
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: Experian Information Solutions Inc. (GA)

I sent in a second 609 letter on XX/XX/2019 asking all 3 credit bureaus to verify collections that are reporting on my account that do not belong to me! XXXX bureaus have removed the accounts and XXXX and experian have not gotten back to me it has been over 30 days.
Consumer complaint received 2023-11-15
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2019-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Under the Law effective XX/XX/2017 any public record data must include NAME and ADDRESS as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new Law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2020-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Palm Beach Credit Adjustors, Inc (FL)

I have written to Focus Financial ( on two occasions ), a collection company, asking them to properly validate the debt as required by the Fair Debt Collection Practices Act. All they can send is a single page billing statement. That is not proof, they must produce a document with my signature showing that I am financially responsible for this alleged debt. 

The collection company should produce a document with my signature which shows that I have assumed a financial responsibiltiy. If they can not, the must remove the reporting in its entirety.
Consumer complaint received 2019-01-05
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. (NY)

I was reviewing my credit report this evening XX/XX/19 from Experian and I notice that Experian is STILL reporting two invalid addresses. One address where I no longer reside which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX. I sent Experian a letter from a notary swearing that I live at my current address and I provided them a copy of a recent utility bill with my name on it. The only address that is a valid address is the address that I am currently residing in and all my credit accounts on my credit reports states that I reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York, XXXX. The other address which is XXXX XXXX XXXX XXXX XXXX, NY XXXX is an invalid address that needs to be remove immediately. As of this writing. I have mailed Experian via Next day mail service another recent copy of my utility bill as well as a notarized letter stating my current valid address via motor vehicles which they will receive by Monday XX/XX/2019. They are requested to sign for the package, so the package has a copy of my drivers licence, a notarized letter and a copy of my utility stating my valid address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX. Also just a side note I reached out to XXXX  and XXXX and both of those companies deleted the invalid addresses and only list my current address. Please assist me with having them remove. I also indicated that I will be reaching out to the CFPB with this complaint. Thank you kindly Best, XXXX XXXX
Consumer complaint received 2019-01-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (FL)

We received the response from our initial complaint, but we are absolutely not satisfied with our mortgage companys response. We want to know WHY our escrow account was been mismanaged in XXXX and HOW could they put us in this unfortunate situation. Our monthly mortgage payment from XXXX to XXXX has increased {$600.00} even with the escrow shortage being spread over 60 months. If we had known that our monthly mortgage payment was going to increase over {$600.00}, we would not have gone through with buying our home. And this increase is solely because of the failure of the mortgage company to appropriately manage the escrow account.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

Hard Inquiries : XXXX XXXX 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  : The following companies I did not go into any contractual agreement with the collection agencies, and has asked for the original contract and neither company provided one. 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 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 2019-03-29
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: EQUIFAX, INC. (OK)

I was alerted that someone attempted to open an bank account in my name in XXXX XXXX, TX but I reside in XXXX, OK. I did not attempt to any new account. 

I immediately place fraud alert and Freeze on Equifax, XXXX and XXXX. No one is to view my report and I have not submitted for any credit or new accounts since XX/XX/XXXX. 

On Monday, XX/XX/XXXX, I received an alert that someone attempted to use my name or applied for an account with XXXX, I did not authorize such transaction and this was not me. I immediately submitted a dispute to Equifax on XX/XX/XXXX stating this was fraudulent inquiry. They have stated that this is accurate and will not remove the inquiry from XX/XX/XXXX. This is not accurate, I did not submit or authorize my file to be reviewed as it is frozen and fraud alert has been placed on my file. 

I request removal of XXXX - XXXX XXXX XXXX XXXX XXXX GA XXXX from my Equifax credit file.
Consumer complaint received 2023-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

I had XXXX student loans for XXXX XXXX at XXXX  XXXX XXXX. The first was original principal of {$20000.00} with disbursement date of XX/XX/XXXX and repayment date of XX/XX/XXXX the owner of loan being the Dept of Education. The second loan was {$20000.00}, disbursement date of XX/XX/XXXX and repayment of XX/XX/XXXX, the owner of loan also being the Dept of Education. The loans were put on hold due to Covid and not started up again until XX/XX/XXXX. We made XXXX payments to the Department of Education, XXXX payments on XX/XX/XXXX for {$6300.00}, {$5200.00} and {$4500.00} and XXXX payment on XX/XX/XXXX for {$4500.00}, totaling {$20000.00} ( XXXX bank statements attached below ). However, Mohela did not apply these payments to our principal. The principal was only decreased to {$12000.00}, approximately only {$8000.00} in payments. Mohela is unable to locate XXXX of the payments since they were not the loan servicer or provider when the loan were originated. We contacted Mohela in XXXX and they were looking into finding other payments, the loans are forbearance. We spoke with them today with no further clarification on missing payments and we are still being charged interest on a false current principal balance. Our intention is to payoff the actual {$200000.00} balance but Mohela needs to find our missing apron {$12000.00} payment and remove any accrued interest on paid off loans.
Consumer complaint received 2019-01-05
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. (OH)

I purchased a car from XXXX XXXX on XX/XX/2017. I asked to finance through the dealer 's bank 's. They gave me the names of three lenders and rates. I chose XXXX XXXX XXXX and was subsequently approved and currently have a loan through them. My credit reports shows 6 ( six ) hard inquiries that day and they are all associated with an auto finance purchase. This high number of inquires is negatively impacting my credit score. After doing some research, I found out that dealers will search out lenders who will give them " deals '' on customer financing involving kickbacks or rebates for bringing them borrowers. Now I understand why they went to 6 lenders when we only spoke of 3 and I chose the one which I wanted at the outset - it was so they could offer me as a borrower to their partners to see what type of deal they could get back for me. Meanwhile the 6 credit inquires on my report damage my credit history. I have all my paperwork and do not have any item/paper with my signature that authorized them to contact so many prospective lenders.
Consumer complaint received 2022-09-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

Tried to log into my Experian Credit Bureau account, but was not successful. I tried to change my password and user i.d., but no luck. This process required me to provide my SSN and birthdate, but when I did, a message stated that these did not match. When I typed in my user i.d . or my e-mail address, it said there was no record of my user i.d ( e-mail address ). I had no luck contacting a real person by phone, except an operator who instead of connecting me with a real person, instead connected me to the same recording I got using the phone number listed on their web site. I sent a written letter on two occasions via USPS, one certified for which a got an acknowlgement of receipt, but no further action other than an e-mail asking me to rate their customer service, which of course I gave them a big fat ZERO. I previously had an issue with my e-mail which my ISP, XXXX XXXX, said had been compromised. My concern is that some hacker is using my Experian account for some fraudulent purpose, and Experian will do nothing about it.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2019-01-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd. (NV)

Im willing to pay {$1800.00} to Harris & Harris the collection company has refused to except my payment of {$1800.00} as paid in full regarding account number # XXXX. Its my understanding that the original debt with XXXX XXXX that the account has been sold to the collection company Harris & Harris which gives the collection company full authority to except my payment as payment in full. I spoke to Harris & Harris the collection company this week and was told they could not settle the account that XXXX XXXX wouldn't allow then and that i needed to contact XXXX XXXX. So i contacted XXXX XXXX in XXXX XXXX Nv and spoke to XXXX in billing and he told me that he would get ahold of suppervisor XXXX and see if he could except my {$1800.00} AS A PAYMENT IN FULL. I called back and was informed that XXXX XXXX could take payment as Harris & Harris had full authority over my account.
Consumer complaint received 2023-11-15
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: DISCOVER BANK (CA)

1. Discover Credit Card- $ XXXX XXXX XXXX XXXX {$280.00} ( collection company ) 2. Discover card response this credit card was opened, delivered XXXX XXXX. 

3. I reported Identity theft to 'Federal Trade Commission ', 'Consumer Finance Protection Bureau ' and 'Local Police Station- Sheriff 's Office ' 4 . Discover card, XXXX XXXXXXXX XXXX denied my request that I am not in any relation with these company accounts and removed and deleted accounts on my personal credit file.

5. Discover card response card delivered address is verified with my public record and my email and phone number used to open this credit card. 

*** My personal information was exposed due to the " XXXX XXXX XXXX XXXX ''. This is why someone can use my personal information but card delivered address is never associated with me. This is a key point the card delivered address was not cleared proof and the Discover Card only mentioned that address stated my public record. 
" MY PERSONAL INFORMATION EXPOSED BECAUSE XXXX XXXX XXXX XXXX '' 6. I submitted and provided all Identity Theft reports to Discover Card but they ignored them.

7. Discover Card and XXXX XXXX XXXX THREATENED ME, they will keep filing this account to my credit bureau until I cancel my dispute request for this account myself.
Consumer complaint received 2019-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: SYNCHRONY FINANCIAL (IN)

I applied for a Paypal Cashback Mastercard from Synchrony Bank while I was going through a difficult time. This was in XX/XX/2018. I had just been evicted from the house I was renting and didn't have much money. They gave me a very generous credit limit, but due to certain obligations while I was staying with family, it quickly got whittled down to almost nothing. I was making the minimum monthly payments with no problems at first, but soon I noticed they started to increase my minimum monthly charge a little more each time. Some months it was as high as {$97.00} - higher if I couldn't afford to cover it. XX/XX/XXXX charge was {$73.00} and last month 's was also {$73.00}. I cancelled the card last month because I couldn't deal with it any more, paying that much every month and only the barest scraps were being applied towards my overall debt with the rest being eaten up by unreasonable fees, charges, interest, etc. I asked if they could reduce the amount due to my hardship but they refused, stating the fees, interest rates, APR, etc. were all pre-set at a certain limit. The card is no longer active and they are still charging me ridiculous amounts even when I can not use it. The last statement I got said I owed {$73.00}. I paid that, but only about {$20.00} of that went towards the whole amount ; the rest was interest on purchases ( XXXX for purchases and XXXX for cash advances ). My current APR on this card is 28.99 % which is ridiculous and I think they themselves know it and just took advantage of me due to my poor credit history. These people are predatory and should not be allowed to trap people into financial slavery like they do.
Consumer complaint received 2019-01-05
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. (CO)

NEW COMPLAINT On XX/XX/XXXX, XXXX XXXX XXXX installed an incorrect windshield in my car. I gave them a check for {$100.00} for the deductible. In resolving the issue, the XXXX representative recommended I cancel this check. However, this was not adequately communicated within XXXX and they accidentally sent it to a collections agency, XXXX XXXX debt collection. When I returned a voicemail from XXXX XXXX, the representative would not listen to my explanation, told me she was submitting the case to collections and hung up on me. She would not return my repeated calls. Concerned, I submitted the first complaint to the CFPB and XXXX XXXX 's response on XX/XX/XXXX was " We have been advised by the creditor to remove the account from collections. This will not affect the complainant 's credit. '' However, on XX/XX/XXXX, XXXX XXXX  in fact submitted a " New Collection '' on my credit report. I filed a second complaint on XX/XX/XXXX and their response was " We sent a notice to delete the trade line from consumers credit report today. '' As of today, XX/XX/XXXX, the New Collection still appears on my credit report. Please remove this item as soon as possible.
Consumer complaint received 2019-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (FL)

I had American Express Plantinum and Gold charge cards, and have admittedly had a series of late payments. As of yesterday, the company have cancelled the cards which is very troublesome. While I realize that this is their prerogative, I find it hard to believe that they cancell all cards that are late on payments. I know many people that have one or both of these cards, they carry balances, and pay late but their cards have not been cancelled. None of my recent payments have been 30 days late, and I fear that this cancellation will adversely impact my credit score. I really believe that this could be discrimination based on my last name and that is quite un-American and illegal if proven true. Any assistance that you could provide would be greatly appreciated. Thank you.
Consumer complaint received 2019-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Funding is reported on XXXX  and XXXX credit companies as a debt of {$1600.00} I do not owe. I have sent numerous letters via certifed mail requesting proof of my signature as well as who signed a contract for this debt. However, Midland Funding continues to fail to respond with proof.
Consumer complaint received 2019-02-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have tried to dispute with the collection agency as well as with the credit bureau for years and no success.Continue to receive a response that i'm responsible for the debit. I'm not responsible for this debit and never went to the hospital for the dates their stating. 
It's very upsetting and frustating that i'm being penalized for something that i'm NOT RESPONSIBLE FOR.
Consumer complaint received 2023-11-09
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. (TN)

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-04
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. (CA)

I am a victim of identity theft. My personal information was compromised and a fraudulent charge were included on my account without my consent or authorization. 
I sent this company my dispute letter on XXXX with a detail explanation on the above mention case. I even attached the following documents as proof for their smooth investigation on this matter : 1.Identity Theft Report 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act But to my surprise, this company still kept reporting this fraudulent account. This letter is a written proof of my intent to resolve this matter and have the fraudulent account expunged from my report before pursuing legal action.

For yet one last time, the following account had a fraudulent charge : XXXX XXXX XXXX ACC # XXXX, Date Opened XX/XX/2018, Original Balance {$280.00} I have attached herewith the letter I sent to this company and my identity theft report for reference.