davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Self Financial Inc. (TX)

I signed up with an individual who claimed to fix credit he fraudulently opened accounts to increase credit but left them unpaid and harming my score I attempted to contact them to regain access and remove negative information. I even stated I would paid owed fees in exchange to positive reporting and was refused.
Consumer complaint received 2020-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I mailed an inquiry dispute letter to Transunion but Transunion did not investigate the disputed inquiries listed on my dispute letter. Instead, Transunion sent me a letter explaining what inquiries are. Transunion is being negligent and malpractice because they are breaking laws set to protect consumers under the Fair Credit Reporting Act.
Consumer complaint received 2023-11-04
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. (TX)

I was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I have already field an FTC report. 

The inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

I got a derogatory mark on my XXXX, XXXX and XXXX credit report stating this account got sent to collections. However, I don't have no knowledge of this debt and, that it doesn't belong to me. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. LVNV FUNDING LLC
Consumer complaint received 2023-12-20
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: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (IL)

starting last year I noticed that my vehicle finance company was showing me as missing and or being late on payments that did not add up. I sent inquiries via the email portal on their website and I never got a response. The information on my credit report is not accurate or up to date. The account is actually closed now " paid in full '' and it still shows me as having a balance on my credit report. When i contacted the company they claimed that everything is correct, but it is not. I have done the disputes through XXXX XXXX and they have come back the same and nothing is being done to correct the wrong information nor have they updated showing that the account is paid in full. I need help and or guidance on how to force them to update my account as paid in full, and remove some of if not all of the negative marks on my account and credit report since they never provided me with information showing when I was late or what payment I had totally missed ... I mean, if I had missed 18 payments on a vehicle ... it would have been repossessed. The name of the company is Credit acceptance.
Consumer complaint received 2023-02-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (LA)

My balance clearly states I owed the Amt XXXX and was paid! I should not be paying additional interest when I paid off the loan. The XXXX should have been applied all to my principal balance!!! Netcredit in now showing I owe another XXXX, when I have screenshots that my balance was XXXX. Please adjust this to my principal balance! This payment makes the loan paid in full!
Consumer complaint received 2023-11-04
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. (GA)

I recently reviewed a copy of my credit report & I was shocked to learn that I had been a victim of identity theft. I found numerous accounts on my credit report that were all opened in the same month and NOT by me. This has been hurting me because I am currently in the process of trying to purchase a home for my family. Please remove these fraudulent accounts from my XXXX & experian credit reports as soon as possible : XXXX XXXX XXXX : XXXX opened : XX/XX/XXXX amount owed : {$1200.00} XXXX XXXX XXXX XXXX opened : XX/XX/XXXX amount owed : {$1800.00} XXXX XXXX  : XXXX opened : XX/XX/XXXX amount owed : {$150.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) amount owed {$0.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XX/XX/XXXX ) amount owed {$0.00} Pursuant to USC 8 , I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681 b. 2. Company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4 Also, if said verified i would like to be sent info on how these accounts were verified & what process was used to verify the info.
Consumer complaint received 2023-11-04
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. (PA)

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries. 

XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2023-11-04
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. (PA)

XX/XX/XXXX To Whom It May Concern, I XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Consumer complaint received 2020-07-30
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: Bread Financial Holdings, Inc. (MA)

How are you and how are you doing during this COVID-19? For the last 90 days i been trying to resolve an issue i see on my credit and supplied every type of documents to the ccb/Children Place due to account that doesn't belong to me. I've asked several times for them to provide detail as shown below and they've failed several times. Again, I have disputed this item with the credit reporting agency and the original company and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the  alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2023-11-04
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. (MI)

hello i obtained my report and noticed some credit card accounts on there reporting as closed that im unaware of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber (CA)

In my credit report is shows I owe XXXX XXXX XXXX {$4100.00} for XXXX XXXX XXXX XXXX  that I have never gone to. I called Grant & Weber Arizona In and spoke to XXXX. XXXX informed me that I owe this due to an XXXX XXXX. I informed her I have not been to XXXX XXXX for an XXXX XXXX XXXX XXXX and I actually live in XXXX XXXX which would not make sense. After other verifications, it was verified that this debt is not my debt. I asked if she could give me more information or send me correspondence regarding this debt but she declined stating due to HIPAA Law she can not disclose any further info. She stated for me to do a request with consumer affairs. I believe this is not correct and has affected my credit dramatically due to it being in collections. I would like for this to be resolved as this is inaccuate reporting and I have never used this service with the XXXX. The debt collector informed me her name is XXXX and her phone number is XXXX ext XXXX. She stated if they reach out to her she will confirm what I stated.
Consumer complaint received 2023-05-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (IL)

Hunter Wardield Inc has reported a balance of {$2800.00}. Claiming I allegedly owe them this amount. I sent them a validation request letter on XX/XX/2023 ; and they have unfortunately failed to respond whatsoever. I have asked them to remove this alleged debt and they have failed to do so. I can send additional proof showing the delivery receipt of my mailed letter request to this company.
Consumer complaint received 2023-11-04
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. (IL)

There have been repeated hard inquiries from XXXX XXXX approximately every XXXX months. I have never applied for a XXXX XXXX credit card, nor do I shop there ( ever ). I tried to dispute the inquiries via Experian without success because they tell me to contact the creditor/bank. I contacted the number associated with XXXX, but because I don't have an account, I can't actually speak with someone. When I finally got through to someone, I was told to talk to the credit bureau. Now I'm in a loop where no one is taking responsibility and these inquiries continue on my credit report.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (GA)

Ford Motor Company is still reporting a balance {$560.00} as of XX/XX/year> on my XXXX credit report. The account was paid in full XX/XX/year>. XXXX is reporting incorrect information.
Consumer complaint received 2023-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (OK)

Conn 's Appliances is reporting a debt not owed and showing several different amounts owed on all three credit reports. It is important that Conn 's Appliances remain true to their 130-year history of quality customer service and satisfaction. This account was paid in full.
Consumer complaint received 2018-10-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (TX)

My home was destroyed by XXXX XXXX in XX/XX/XXXX, my mortgage servicer Freedom Mortgage gave ma a 3 months forbearance, them extended it for another 3 months, for a total of 6 months. After the 6 months forbearance ended in XX/XX/XXXX, my house was still being repaired and I asked for a disaster modification to bring my payments current. I submitted all of the paperwork they asked for, they cost it several times, then when they finally acknowledge they had everything my file was sent to underwriting. Underwriting came back and said that there was a lean on my title. You see I did not have flood insurance, because I was not in a fold district, the only reason my home flooded was because the XXXX XXXX XXXX XXXX open the reservoir and flooded my entire community. XXXX gave us all loans to repair our homes and they put a lien on the property. XX/XX/XXXX, I called my mortgage servicer and found out they stalled my modification stating I needed to pay off the lien. I asked customer service to please have the person that was assigned as my single point of contact to please call me, I needed to know what could be done to save my home, no one ever contacted me. In fact throughout the modification process, my single point of contact has never responded to any of the request I've submitted for her to contact me. Since I could not afford to pay off the lien, I contacted XXXX, and they said they would do a subordination, but they needed the new loan terms. XX/XX/XXXX I went back to Freedom mortgage and they said since the modification has stalled they can not give me new loan terms. I asked Freedom mortgage to please provide something in writing so that XXXX could subordinate the title, but they refused to give me anything. On XX/XX/XXXX, I went back to XXXX and they contacted Freedom Mortgage and requested a letter stating what the terms they were looking at for my modification. That request was submitted with a turnaround time of XX/XX/XXXX. On XX/XX/XXXX when I called for an update on the letter I was told, I needed to give it some more time to received that letter via email. By XX/XX/XXXX I still did not get the letter, so i called Freedom mortgage and spoke to a rep XXXX, she said the letter was sent to the wrong dept, so she sent another request to the correct dept. On XX/XX/XXXX I received a letter from freedom acknowledging the payment I made for XX/XX/XXXX, I was trying to prevent my home going into foreclosure. It showed me a total amount due of {$8100.00}, but when I call the automated system give me a different amount. I ask rep XXXX why I was getting 2 different amounts due and she told me to disregard the letter. I am now very sure that something underhanded is going on. They are stalling in giving me the information needed to get this modification completed, giving me incorrect amounts due, and threatening to foreclose on my home. Dealing with Freedom Mortgage is worse that going through the flooding and having to be evacuated by the XXXX XXXX during XXXX XXXX.
Consumer complaint received 2023-12-13
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: Experian Information Solutions Inc. (MI)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-01-17
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. (MO)

New Complaint : Subject : Urgent Consumer Protection Matter - Unacceptable Handling of Complaint Dear CFPB and Trans Union I am writing to express my profound dissatisfaction with Trans Union 's egregious mishandling of my consumer protection rights. The level of malice, misinformation, and blatant lies presented in their response to my CFPB complaint ( XXXX ) is utterly unacceptable. 

Upon receiving an email from the CFPB on XX/XX/year>, I discovered that Trans Union 's response, asserting that the disputed accounts were not reflected in my credit profile, is nothing short of a fabricated tale. Contrary to their claims, my Trans Union Credit report clearly shows the disputed accounts from XXXX XXXX XXXX ( 2 accounts ), XXXX, and XXXX XXXX XXXX, all of which continue to cast a false shadow on my credit score. 

In a conversation with Trans Union 's supervisor, XXXX XXXX, I was appalled to learn that my disputes were arbitrarily canceled without removal from my profile. The admission that Trans Union openly favors creditors and offers no protection to consumers is not only disheartening but a stark betrayal of trust. 

It is deeply troubling that, despite filing multiple disputes and complaints, Trans Union insists on perpetuating this injustice. Supervisor XXXX 's suggestion that obtaining legal representation is the only viable recourse further highlights the systemic bias and discrimination at play. 

I must emphasize that this is not just a matter of consumer rights but a clear case of racism  and bias discrimination. My XXXX faith and minority  status seem to be unfairly influencing Trans Union 's handling of my case, and this is unacceptable. 

The only acceptable resolution is for Trans Union to promptly rectify this situation by removing the fraudulent accounts from my profile. I demand the removal of accounts from XXXX XXXX XXXX ( 2 accounts ), XXXX, XXXX XXXX XXXX, as well as inquiries by the latter and XXXX  XXXX. 

I insist on communication solely via email, and I expect a swift and just resolution to this matter. 

Sincerely, XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2024-07-15
Product: Credit 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: JPMORGAN CHASE & CO. (IL)

My phone was stolen in early XXXX during vacation, and with that, the thieves gained access to both my XXXX XXXX XXXX bank account and my XXXXXXXX XXXX - which was connected to my Chase Sapphire Reserve Card. My XXXX XXXXXXXX XXXX accounts were emptied and the thieves ran up charges on my Chase card through XXXX XXXX. Initially, Chase refunded the money and now, 10 weeks later, have put the charges back on. I called Chase and was told my claim has been denied because I continued to use XXXX XXXX on my new phone in the following days. I explained to Chase that the original customer service representative I spoke with at Chase when I called to report Fraud was the one who helped me get a new Chase card set up through XXXX XXXX  so that I could have access to my new account immediately - since my XXXX XXXX XXXX account was frozen and I was still traveling at the moment. 

I put a freeze on my credit through the major reporting agencies immediately after I found out what had happened, and also filed a claim with the FTC. This was all done within a few days of realizing my accounts had been compromised.
Consumer complaint received 2023-04-24
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. (CA)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX Balance : {$380.00} XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-15
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION (MI)

Add the end of XX/XX/year> I sent in a payoff check for account XXXX. 

XXXX failed to credit the account and report the item as paid. 

I sent it with XXXX and it arrived weeks ago. I called and provided them with the check number and tracking numbers.