davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (CA)

I used my card to get my rent money order. By the time I got across the street to another store, my card was turned off. I checked it. It had {$330.00} left. I did not spend the money. I was told the person stealing my money would not be aloud to take anymore. But in the following days, all of my money was gone. I was not aloud to use my card during this time. There was a total of {$720.00} stolen from my account. I did not use XXXX XXXX, the person taking my money used theirs.
Consumer complaint received 2018-08-22
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: HYUNDAI CAPITAL AMERICA (IN)

I have 2 hard inquiries on my credit report for ths same exact date, for the same exact purpose. XX/XX/2016 I started an automobile lease through XXXX XXXX XXXX XXXX. Information on them below : Institution Information XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The dealer also ran my credit and this caused the second hard credit inquiry on the same date of XX/XX/2016 Institution Information XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX I was under the impression you should only be assigned one inquiry for the same exact financial purchase / obligation. 

Thanks!
Consumer complaint received 2024-05-04
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Neon Newco Corporation (CA)

My social security direct deposit came on the XXXX. They have not posted it. It is now the 4th. The only action they have done is an email telling me to call the automated system, that I can't talk to a live person on. My check is {$1100.00}.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



Inquiry 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (KS)

XXXX XXXX XXXX is trying to collect {$800.00} for XXXX   that I have disputed. XXXX XXXX has done nothing to resolve this issue and has been unresponsive in resolving this. 

I offered a pay for delete letter even though this isn't my debt. There was no response. 

I believe this debt is so old at the point it shouldn't be listed on the file. 

I need help in resolving this. 

Account number with convergent is XXXX
Consumer complaint received 2018-08-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

I have a mortgage that is serviced by Rushmore Loan Servicing LLC. My mortgage is owned by XXXX XXXX XXXX XXXX. 

I have fallen behind on my mortgage payments immediately and ask for a loan modification. I received a letter after requesting a loan modification from Rushmore Loan Servicing stating that my modification was denied. 

The reason giving didn't make sense. Three of their reasons for denial led me to believe that there wasn't any due diligence in their consideration.

1- Income not sufficient to sustain any payments under any available loan modification program. ( The was no program offered ) 2- Employment History is not sufficient in length to qualify. ( I've been employed for the same company for 11 years. ) 3-Your Credit History reveals that my current obligations are excessive in relation to income. ( The letter stated under this bullet point ; could not be verified ) 4- Good Faith Payment : Proof of the good faith payment was not received. ( When applying for my modification I was not required to make a payment however it seems as I'm being penalized for something was not require at the time of application.

However, I was informed that I have 14 days to accept Rushmore Load Servicing short sale options. 
This is evident that my modification was never processed and simply denied in the attempt that XXXX XXXX XXXX XXXX either foreclosed on my home or force me to short sale my home either of which will allow me to lose my home. 

Apparently, this is a common practice. Please see the link below. 

XXXX XXXX XXXX
Consumer complaint received 2024-05-24
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: EQUIFAX, INC. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (FL)

I went to XXXX XXXX and they offered to give me a credit card through XXXX XXXX for my purchases of certain items that were not in display, I took it. XXXX never sent me my merchandise. Since they never sent me the merchandise I was under the impression I didn't have to make any payments to XXXX XXXX. Because of this I wasn't aware I had a balance with XXXX XXXX since XXXX made a mistake and sold me items that were no longer in stock. I feel that it isn't right for me to pay for something I never received. I disputed it with XXXX XXXX and XXXX XXXX & after months of back and forth they closed out my credit card with XXXX XXXX and deleted it from my credit report. I didn't want the account after this awful situation so I agreed for them to close it and remove it from my credit report. Unfortunately XXXX XXXX sold this unlawful balance to The Bureaus for {$1300.00} even though XXXX XXXX  agreed this was an error even though XXXX confirmed I never received the merchandise. Now The Bureaus are continuing to collect even though they have confirmed verbally over the phone that this account is closed and supposedly is being serviced by another collection company but it's The Bureaus that continue to report this on my credit.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-05-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NAVY FEDERAL CREDIT UNION (MD)

I want to be clear I am not disputing accuracy of late payments. I am simple requesting that it be removed from my credit report because it is hurting my ability to obtain credit. I have recently been in and out of jail for the past few years and was struggling financially due to the reason. I have no intentions on not keeping up with the payments in the future and staying in good standing with bank and the loan account. This will never happen again. Please just have the late payments removed immediately and I will be ready to start over on monthly payments.
Consumer complaint received 2023-08-02
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. (AZ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-04
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. (FL)

I am reporting the invalid data listed on my credit report that has never been validated through the FCRA an needs to be deleted from my credit report. all information listed has been reported as identity theft. please review an review the information to help clear my credit report. no information is correct on all 3 files. delete off my credit report asap.
Consumer complaint received 2023-08-02
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: EQUIFAX, INC. (OR)

Today, I tried to dispute an account online at XXXXequifax and was told that I am not able to dispute the information, that I already have. This is the first time at XXXXequifax that I have tried to dispute the inaccurate account. I only just recently created XXXXequifax account online. So it is not true that I have already tried to dispute the information. When I tried again to dispute the information I received an error message. 

The information that is being reported is inaccurate, old, and outdated and needs to be permanently removed. 

The information needing removed is : XXXX XXXX Account Number XXXX XXXX Date of Last Activity XX/XX/2005 2005
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX  XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2018-08-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

On XX/XX/2015 I was injured and had to go to the hospital. I was charged {$990.00} and since i didnt have insurance the rate was significantly higher. 
XXXX XXXX
Consumer complaint received 2023-06-06
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. (FL)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal Credit Union has a bank account on my credit report with credit reporting agencies that I dont OWN and DID NOT OPEN labeled as CHECK FRAUD on my report. Which is a negative mark on my credit and is violation to the fair credit reporting act because I did not open this account OR ever OWNED A Navy Federal Bank account and navy federal or XXXX XXXX can not and have refused to validate this account belongs to me which is violation of my fair credit reporting act. Navy federal & XXXX XXXX refuse to remove this negative remark off my credit and refuse to show validation of evidence that the alleged account belongs to me when it doesnt. I have sent a letter to XXXX XXXX and navy federal credit union themselves asking for this negative mark to be removed they are refusing to do show. I have asked for names, addresses, job positions to whom XXXX XXXX has spoken to about the alleged account from the bank validating the claim which they have not shown me. Neither XXXX XXXX or navy federal have shown my signature on a contract to back up their claim the alleged bank account belong to me this is violation.
Consumer complaint received 2024-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXXXXXX XXXXXXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2018-08-22
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. (TX)

I went to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX on a Credit Line Increse where I spoke with Asocciate XXXX and state I wanted to purchase a XXXX Laptop priced at {$890.00} upon XXXX going to the back to get the Laptop I spoke with another Sales Associate by the name of XXXX I explained to here that I wasnt really happy with the fact that the Laptop wasnt on display she explained that they couldnt open the box to show me because because it was sealed and i would have to purchase it to see it, also I asked XXXX if I could have the Laptop on a sperate account XXXX informed me that to do that XXXX would have to run my credit report again at that point I told XXXX  that I didnt want my credit ran for a separate account so I would just add it to my other account. Shortly after Associate XXXX returned with the boxed laptop. I gave him my letter and he began to ask me for information such as my phone number, address driver license number and social security number it was never stated that he would have to run a credit report to see if I qualified since this is some of the basic information XXXX uses when you call in to identify you. I never gave permission Tom run my credit report since this is something that I didnt wat done since Im working on repairing my credit. When Associate XXXX informed me that I would have to do a lease purchase to get the computer I asked why since i was already approved for a credit line increrse Associate XXXX stated that he spoke with his manager and that was what was required, not understanding so I my fianc ( XXXX XXXX ) who was with me doing this event stated that i should call the corporate office so I did thats when I found out that XXXX had ran my credit WITHOUT MY PERMISSION. At this point i was very upset so I called XXXX and asked for the Manager XXXX and I stated my concern to hi at which point he stated he would talk to XXXX, unfortunately this does not help my credit score sine it will show up as a hard inquiry take will stay on my account for 2 years. At this point I need to know what can be done to have this corrected.
Consumer complaint received 2023-08-02
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. (VA)

I'm sending this complaint to the EQUIFAX Credit Bureau to REMIND them that there is no involvement from a third party. They can not legally contact third parties with my private or sensitive information for any reason. Lack of permission defines fraud. The items listed below are false and are having an effect on my ability to establish credit. I want this removed right away! 

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 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-05-04
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. (GA)

I appreciate your time to REMOVE some of the inaccurate items that should not be in my file that resulted from an alleged incorrect reporting, however I still have ITEMS left that needed to be removed. I recently checked my updated personal credit report and I noticed some unauthorized credit inquiries still remained on my personal credit report. I once contacted these companies and asked them to remove their credit inquiries from my credit profile. I also requested that you initiate an investigation into the below inquiries on my credit report to determine who authorized these inquiries. I know your investigation is complete, and you find my allegation to be true, please remove these inquiries, inaccurate names and addresses from my credit file. Here are the remaining items for removal : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/year>XXXX XXXX XX/XX/year> XXXX XX/XX/year> -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX. The items I am disputing do not concern any transactions involving the acquisition of goods, services, or funds that I have initiated or approved. Please help me remove them as soon as possible.
Consumer complaint received 2024-06-21
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. (TX)

My account with XXXX was never late! I have had exceptional payment history with XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports