davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-27
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. (NY)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY (CA)

American Express credit card - Opened on - XXXX Late Payment - XXXX Still reporting as 30 day late, derogatory reports are supposed to fall off after 7 years, having trouble disputing this.
Consumer complaint received 2024-03-26
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (GA)

I applied for a loan with OneMain Financial. I was told one interest rate then charged another. They didn't explain the interest rate or that it was compounding interest. 2 years of payments and still have the same payoff amount as I did on day 1.
Consumer complaint received 2024-06-07
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: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-12-06
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. (CA)

I ordered a copy of my report in smart credit and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date TransUnion has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check payment history, date open, last activity, and Status of XXXX XXXX  I believe it was reported in error. 
XXXX XXXXXXXX Balance Owed : XXXX
Consumer complaint received 2024-03-22
Product: Credit reporting 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: LEXISNEXIS (FL)

Previous request denied- not enough docs. New request dated XX/XX/2024 via USMail has not produced the information despite 30 days-with all docs required, for the C.L.U.E REPORT, WITH CODES- 0131 ; 0161 ; 0911 ; 0126 for Denial Home Insurance by XXXX XXXX XXXX . 
Personal info : SSN ; DOB ; Phone # ; US Passport ID, Utility Bill with Name & address. 

Note : This Mail was never returned as Undelivered, Unknown. 

Lexis-Nexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, XXXX XXXX Case # XXXX Consumer # XXXX NCF Ref : XXXX
Consumer complaint received 2024-04-02
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. (TN)

I done spoke with lvnv/resurgent, I told them I was a victim of identity theft and that this debt is a result of Identity theft, is not mine, and I do not owe them anything.I have never even heard of the company and have nothing to do with the address they allowed these identity thieves to engage in fraudulent activity against me with.I feel this company who are trying to collect this fraudulent debt from me, that is fraudulent, not mine, can't be validated, and I do not owe anything too, which is some business called XXXX again another name I never heard of, neglected to do the minimum of asking the identity thieves for a photo id, or a simple background check because if they had they would've been stopped and caught, but seems they didn't even do the minimum, and are dishonestly and wrongfully trying to slander my credit by reporting this fraudulent activity against my credit report wrongfully, therefore i urge them to remove all fraudulent activity immediately according to FCRA and my rights.They cant validate or prove which is their responsibilty, because its impossible to prove something that doesnt exist that isnt mine, so i urge them to remove all fraudulent activity ASAP.Therefore I feel these companies are equally as responsinsible for neglecting basic professional standards as the identity thieves as this is fraudulent, they can not validate, they can not prove something that isn't true and doesn't exist as its not mine, and I do not owe them anything.They are predicated to prove to me and since I know they cant as I know it's not mine and a result if identity theft, by FCRA and my rights I urge them to remove this fraudulent activity from my credit reports ASAP.Resurgent already has I think on one, thereby showing they know it's not mine.Please be honest, own your mistakes, and remove this fraudulent activity your wrongfully credit slandering credit reports with.Thank you, hopefully this company will adhere to FCRA and my rights and remove properly as the fraud it its against me.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LCB Rent Reporting Ltd. (LA)

I am a victim of identity theft. I have an incorrect address on my tenant screening report that I've never lived at before.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is showing a rental balance. I have filed a report for identity theft and have already contacted the company, I did not receive a response. I am requesting for this to be removed from my tenant report. If is not removed I will sue for, as this is negatively impacting my credit. The tenant obtained this apartment with my identity as well as false documents to obtain the lease. The landlord did not properly investigate and research before lending this apartment out to the tenant which is extremely negligent. This could have been prevented had the landlord properly reviewed the documentation. If not removed I will sue for negligence.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service (TX)

I was XXXX XXXX and had a military star card that was on my credit through them and then a third party collection agency called XXXX. The balance for the military star account was taken from the IRS and I also even paid the debt agency the fee that they said they charged for the debt in full. I know it may still be on my report but it's stating from the star card that it was never paid and it was paid XXXX XX/XX/year>. The agency was paid the remaining balance on the XXXX. I pulled my report and I am still seeing this reflected on my credit and I am in the process of buying a home and I do have receipts. I want this balance updated.
Consumer complaint received 2024-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-12-22
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: CAPITAL ONE FINANCIAL CORPORATION (NH)

While trying to get a home equity loan through my bank I was notified that I had a recent hard inquiry from capital one on XX/XX/. After looking threw my records I never made nor approved capital one to make such inquiry.
Consumer complaint received 2024-02-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (TX)

Affirm approved three different same day loans ( buy now/pay later ) for someone claiming to be me. They issued all three loans from XXXX XXXX XXXX XXXX store around XX/XX/XXXX for {$230.00}, {$80.00}, and {$640.00}. The first time I heard about these loansd was in XXXX when a collection agency ( XXXX ) was contacting me to pay for the delinquent loan payments. After spending hours on the phone with XXXX who directed me to Affirm, and Affirm opened a fraud investigation. I checked back a few times, but they said the investigation was still on going. In XXXX, I finally heard back from Affirm and they said I was still liable for the money. They never contacted me during their investigation. I got help from XXXX XXXX XXXX and we called Affirm together to sort it out in early XXXX XXXX After an hour+ call, Affirm couldn't tell us how they determined I was still liable. Based on a recommendation from XXXX XXXX XXXX consultant, I froze my credit accounts with the XXXX credit bureaus to avoid further loans in my name, I filed a police report of fraud ( XXXX Police Department Official Case Number : XXXX ), and I filed an Identity Theft Report with FTC ( Report Number XXXX ). Affirm said they would contact me with information about their findings for one of the loans where the investigation had completed. The other two loan investigations are still on going at Affirm, but I'm not hopefuly they will find anything different since still no contact from them and the loans seem to have been acquired in the same manner. It's been several days and I have not heard anything back yet from Affirm.
Consumer complaint received 2024-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-02-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION (MD)

I engaged a XXXX to build a custom shower ( XXXX XXXXXXXX ). I applied for financing $ XXXX thru their affiliate finance program XXXX XXXX  months into a very bad installation/ improper, I requested the loan be killed, I will pay for it with cash. I received confirmation back from the XXXX XXXXXXXX people who set up the loan and got initial approval that the credit line was closed. XXXX called me to ask if the work was done and I said NO, DO NOT FUND, I closed this line of credit. They told me that XXXX XXXX advised them the job was complete and that XXXX XXXX was their customer, not me, and so they funded the XXXX loan the next day. XXXX XXXXXXXX is their customer and demanded payment, however, I am responsible for payments from that point on or they will persue debt collection and impact my credit rating, despite the contractors incomplete/ bad installation. This seems to me to be very illegal? I asked XXXX to provide me the contract verbiage I signed on that describes this feature/ relationship, but am just getting " Forwarded '' to different departments. They are wearing me down. I did cancel the loan months ago per the contract section on cancelling the loan. I am now being referred to their " Complaints dept ''. I think this is a XXXX issue problem, XXXX with the XXXX but the other with the finance company ( affiliated with the XXXX? ) that funded against my clear express desire and statements of incomplete work via email, XXXX, in live conversation prior to funding, messahes on their website, even text messages.
Consumer complaint received 2023-12-20
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. (MA)

XXXX - XXXX I was never late on this account- Please check the status on this account XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX The following personal information is incorrect. Please remove it from my credit report
Consumer complaint received 2024-02-08
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. (GA)

I have been a victim of Identity theft. Below are fraudulent Inquiries on my consumer report that need to be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTAGE SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (TX)

Deceptive lending practices, discrimination, and retaliation. 

Roundpoint is hiding information and refusing to send the account reconciliation after numerous requests. Retaliation also started after the XXXX complaint. XXXX XXXX said they can not deal with me because of the complaint and their supervisor will reach out the next day. The supervisor above them has a title of social media manager and they never contacted me. Followed up with XXXX to let him know I have not been contacted and got zero response from him or anyone else moving forward. I called again the following week and the new supervisor XXXX is blocking me from escalating the issue and has not sent the account reconciliation. I have also messaged and asked them verbally to stop limiting access on the phone app. 

Their deceptive lending practices need to be investigated. They acknowledged they have not fixed anything in XXXX and a half months and agreed the payment listed is wrong after me explaining it to them numerous times but are telling to pay an incorrect payment and threatening to hurt my credit because of their short comings. 

I have asked numerous times to have the issue escalated and they refuse to do it.
Consumer complaint received 2024-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX