davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-02
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. (PA)

TransUnion File # XXXX XX/XX/2018 TransUnion has on my Supplemental Consumer Credit Information Cash Advance Inquires in the last 7 years as : ( XXXX ) I have not applied or received any money from no cash advance company in the last past 7 years or any other year. 
Please provide Documented proof of such loan from source as stated as Cash Advance Inquires
Consumer complaint received 2018-04-02
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (IA)

continuation of XXXX complaint due to Ditech Financial LLC not following their own word and finding excuses to get them out of loan modification contract they made with me and after i sent them the first payment for loan modification and had sent them their paperwork and a copy of paperwork overnight through XXXX. Ditech is now denying the loan modification due to paperwork not arriving in a timely manner and i have proof through XXXX tracking that paperwork did arrive on time at their office in XXXX, Arizona on the XX/XX/XXXX as was needed, but was not delivered due to " Customer not available or business was closed '', but was delivered on the XX/XX/XXXX and signed for by a XXXX. since i have received calls from Ditech Financial llc and prior visits from their reps on saturdays, i fully assumed that their office was open and reps were available to receive the XXXX package with the loan modification paperwork. since the paperwork was delivered in a timely manner, Ditech Financial LLC should keep their word and honor their contract as i had with returning the signed documents and made the first loan modification payment. in a letter received XX/XX/XXXX, Ditech Financial LLC, STATES that i have 2 choices..SHORT SALE ... wanting me to sell my personal property ( my land that i had previously before purchase of mobile home ) that had nothing to do with my original purchase or loan modification and pay them off. the second was DEED IN LIEU OF FORECLOSURE.. wanting me to voluntarily hand over the deed to my personal property. again had nothing to do with my purchase of my home. 
also, my complaint leads into the right hand not knowing what the left hand is doing. my first statement after returning loan modification documents and making my first payment on the loan modification, i receive my first statement again with threats of taking my home and saying i am delinquent for 523 days even tho i have been making payments every month since my original contract matured even tho i still believe the amount owed is manipulated through creative financing at their whim and not owed, just so i can keep the home that i have been paying for going on 22years and the contract was 20 years. i feel there needs to be a complete FEDERAL AUDIT of my account and many others to see the creative financing Ditech Financial LLC fka XXXX XXXX that this company is capable of! 

Also would like to see how 2 large payments of XXXX and XXXX were applied to my account. Another thing is my account payment was raised from {$280.00} to XXXX after i had a bankruptcy in XX/XX/XXXX ... .where did that go?
Consumer complaint received 2024-08-12
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. (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. Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, and Account name : XXXX has violated my 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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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 2018-04-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc. (NC)

Back in XX/XX/2017 I went online to purchase a washing machine through XXXX XXXX for XXXX, however, I entered information wrong and contacted the store and they cancelled that order issued a refund and I re-ordered the machine for the same XXXX. Upon looking at my statement I realized that Pay Pal never took the second amount of XXXX off even though on my statement it clearly states XXXX XXXX refund XXXX. Instead they took that amount and applied it to other purchases I made on my account, leaving me with nearly XXXX still owed. I made a partial payment on the second amount, leaving a balance of XXXX, and when I questioned them about why they did not give a credit for the XXXX they said they used the money on other purchases and that they did not know the XXXX was a credit since XXXX XXXX never stated it was a refund. Clearly they are lying and I have proof it says " refund XXXX XXXX '' on my statement. They took my money did whatever they wanted with it and now I want them to cancel the XXXX still owing and give back my XXXX store credit!!! They do this a lot and I am tired of being used and lied to.
Consumer complaint received 2021-12-27
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. (PA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2020-08-25
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. (FL)

I check my credit report and notice some things that does not belong to me. These accounts are making my credit in a very bad standing. The accounts listed below aren't not mine. I sent in multiple letters and haven't received any response yet about my complaints. I don't understand what is going on? Please help me! 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX 11 XXXX   XXXX 12 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-01
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. (TX)

Transunion has a few account 's listed on my credit report that are inaccurate. After several attempts including notifying Transunion that i was a victim of Fraud. They did not remove these inaccuracies. These accounts were not verified. They put incorrect remarks on these accounts and these are dragging my credit scores down. Which it seems like Transunion is attempting to try to push me towards bankruptcy by force due to this inaccurate information. 

Accounts include -XXXX XXXX XXXX # XXXX Which is a charge off for {$1000.00} which i never opened, and i notified XXXX this was a fraudulent account nor ever lived at the address. They also stated that i opened this account and reported fraud and that the fraud was listed on my account and sent letters to me. This is also false, i never received any mail from them. 
XXXX XXXX - Charge off for XXXX XXXX XXXX XXXX # XXXX {$10000.00}. 
XXXX XXXX - Charge off for XXXX XXXX XXXX  XXXX # XXXX for {$15000.00} I never opened these accounts, and have notified transunion on many attempts at resolving this. 

Secondly my auto loan XXXX XXXX # XXXX says Redeemed repossession. This was never a repossession. I have always had this in my possession and have paid current on time, every month. This is false information and the remarks need to be removed. They were not there up till last month and the car was not repossessed. 

Also XXXX XXXX XXXX - XXXX XXXX XXXX # XXXX It shows 150 Days late which is this inaccurate. The XXXX company had agreed to match the last two payments which would have paid off the balance. XXXX  did not match pay these payments for several months after over 20 calls, and several emails and mailed letters. I asked several times when they would hold up their end of the contract and they said they were processing it. Finally they did match the payment but the deliquesces are inaccurate. 

XXXX - XXXX card. I never opened this account. This account was a result as of fraud that occurred when my identity was stolen. Please remove this inaccurate account from my report.
Consumer complaint received 2024-08-12
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: Experian Information Solutions Inc. (CA)

I did not authorize this inquiries : XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX of XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2018-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I dispute to student loan accounts on my credit report that is being investigated by the federal government under the Borrow Defense Program through www.studentaid.ed.gov. Under these terms, I have the right to request a stop collection on any student loans on my credit report. I have disputed these twice and I have provided the documentation detailing this to Equifax. Equifax has refused to remove these items from my report. I was told that they investigated my loans under a fraud investigation based on an alert that XXXX  put on my credit report. I explained to the reprsentative that Equifax did not review my documentation correctly, nor did they review the supporting documentation correctly. I am requesting that these loans and any future collections regarding these loans be removed from my credit report immediately. This is the message I submitted to Equifax : I am requesting that these accounts be removed under the federal government 's Borrower Defense Program : Stopped Collections Status. See borrower defense section at www.studentaid.ed.gov. Please remove the below accounts off of my credit report. These accounts are being investigated by the federal government under the Borrower Defense Program, the school I attended misled and engaged in fraudulent practices that resulted in me taking out these current loans. I have attached documentation for your company to review. XXXX Account # XXXX Account # XXXX
Consumer complaint received 2020-08-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc. (SC)

I have been paying on my loan with Consumer Portfolio Service for 4 years ( since XXXX  ). 
I have paid over XXXX dollars on a {$17000.00} loan and my balance is still {$13000.00}. 
My payments that I am able to make are not going to principle, even though they claimed they were. 
My payments are {$440.00} ( not including the fee to pay online ) Now with the issues that are going on in the country and hours being cut back, they are threatening to repossess the vehicle and charging of the account. 
The company will not make feasible arrangements to fix account.
Consumer complaint received 2018-04-01
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: Experian Information Solutions Inc. (NY)

Upon reviewing my credit report i have noticed several items that are not mine. I have submitted to the credit bureaus to validate this information and i have also contacted the companies in question. They have yet to remove the inaccurate accounts and need to remove immediately. 
I have also research the laws and FCRA to find that the only negative information listed must comply and these accounts have not complied due to the following : 1. I have not entered any contract or agreement with this companies. Accounts can only originate from a contract or agreement. I have no signed agreement or ink signature of any. 
2. FCRA requires notification prior to submitting any negative information. I have not received any such. 

Remove the following : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX / Child Support ( multiple listings ).
Consumer complaint received 2018-04-01
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. (PA)

The information on my Transunion credit report shows that I closed my oldest active account, resulting in a 48 point decline in my score. I never closed any accounts- paid off a loan and my car. What do I do?
Consumer complaint received 2020-08-25
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. (NY)

This is not a Third Party. I am requesting that the following accounts be removed. These are fraud, I didnt benefit, apply for, and authorize these accounts. 

XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX   XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX   XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Experian and XXXX   credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.
Consumer complaint received 2021-12-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

XXXX XXXXXXXX XX/XX/XXXX I received an e-mail advising that my XXXX XXXX account was closed. I attempted to contact them 15 times to try to resolve this issue. My account was paid in full. I was never late. All the customer service representatives that I spoke to were extremely rude. I asked why was my account closed when I did not request to have it closed. 

XXXX XXXX Credit CardXXXX XX/XX/XXXX I attempted to use my XXXX XXXX credit card, and was advised that my credit was decreased all the way down to {$150.00}. When I asked why, I was advised that i would need to contact the credit agency to find out why.
Consumer complaint received 2018-04-01
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: Experian Information Solutions Inc. (NY)

I did purchase a car in XX/XX/2014, as a Creditor/Entitlement Holder/Registered Owner, I did did send them a Conditional Acceptance upon Proofs of Claim to XXXX XXXX XXXX XXXX, giving them 30 days to submit their claim/validating the alleged debt, they never did. I did issue an Affidavit of Notice of Default, right after that, they stop sending statement. Further more I did send them an Optional Form 91 to release the property from escrow, they never reported the account properly, instead they have it listed as a charge off on all 3 credit bureaus. XXXX XXXX XXXX XXXX did also receive a bill of exchange in the amount of {$40000.00} and, they never correct the reporting nor try to repossess the car.
Consumer complaint received 2021-12-27
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: CITIBANK, N.A. (NY)

XXXX gave me a date of XX/XX/XXXX or XXXX of 2020 I believe. I was not aware of a credit card application that I didnt approve through BestBuy affiliation with CitiBank that opened up on my credit report on XXXX XXXX Im reporting a fraudulent issue, complaint, and would like it removed. I contacted BestBuy, Citibank and was told of no report through my full name & social that they did not see nor have one on file.
Consumer complaint received 2018-04-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

Hi i have not been aware of how checking credit works and havent checked my credit in probably 8 years. I just recently downloaded an app called XXXX XXXX   and notice two accounts reporting that i needed more information on to determine if its mines and 100 % correct. I followed the proper protocol by contacting the credit bureaus and when they allegedly verified these accounts i sent 2 letters to XXXX XXXX and XXXX. None of whom responded to me and its been over 30 days. I have a XXXX and my XXXX doesnt always allow me to XXXX XXXX from a long time ago because thats when my accident occurred and if this happened during the time of my accident i was in the hospital for almost a year i would have known.its not fair i couldnt get a response to ease my mind. I am now reading my rights were violated as well as spoken to a FDCPA Attorney as well. I am disappointed And Feel hoplesss that i followed all the right steps and being taken advantage off
Consumer complaint received 2018-04-01
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: BARCLAYS BANK DELAWARE (OR)

Received credit alerts regarding BARCLAYS BANK DELAWARE Requested On : XX/XX/2018 Identifying information they provided : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone Number not available Contacted Barclay and they have no record of my SSN. So wondering 1, how or why its on my credit report.
Consumer complaint received 2018-04-01
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. (FL)

I have sent a certified letter to XXXX, XXXX, and Equifax disputing a negative item that they are reporting on my credit report from XXXX/XXXX  account number XXXX I have requested that they validate the information with XXXX/XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which XXXX, XXXX, and Equifax failed to do.
Consumer complaint received 2020-08-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners (CA)

Pendrick Capital Partners LLXXXX has used XXXX XXXX XXXX XXXX in XXXX of XXXX and now XXXX XXXX XXXX , XXXX to collect a false debt. In XXXX of XXXX I sent XXXX XXXX XXXX XXXX and Pendrick Capital Partners LLC letters and invoice copies that showed that this debt was paid by my insurance company. Now in XXXX of XXXX this other company XXXX XXXX XXXX XXXX is trying to falsely collect the same exact amount and date for Pendrick Capital Partners LLC.  This debt was paid long ago and I am writing to this new debt collector, but I would like to fix where they are getting this false information. Do they buy lists of false debts in order to harass consumers? I believe this to be so, because after solving this with one company a new company has the same information, that is false.
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/XXXX through XXXX I made a reservation to spend the evening at the XXXX XXXX XXXX in my hometown XXXX. When I showed up inutially I only had {$100.00} on my card which wasnt enough to pay for the room, so I ended up going to XXXX to put more money on my pre paid card and swiped the card at the hotel and all the sudden there was a {$0.00} balance and I was denied the room by the associate. She stated my card was declined and called her manager and there was nothing they could do. I requested that XXXX give me a hotel room for another night they refused so I had to put in a cancellation request, and they never responded or refunded my money.This is one small instance that funds of mine have been misappropriated and I am a unemployed mother who cant afford to continuously get my money stolen. My email is XXXX XXXX
Consumer complaint received 2020-08-25
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. (CA)

XXXX/XXXX XXXX XX/XX/2020 Not the same complaint you keep closing it out without proof You close it without showing me anything Cfpd stop letting them close this without proof
Consumer complaint received 2018-04-01
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. (FL)

I have sent a certified letter to XXXX, XXXX, and Equifax disputing a negative item that they are reporting on my credit report from XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX   and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which XXXX, XXXX, and Equifax failed to do.