davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-26
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: LEXISNEXIS (MS)

Lexis Nexis is reporting an inaccurate bankruptcy on my credit report. I have reached out to the court house where the alleged bankruptcy was filed and they have assured me that they do not furnish this information.
Consumer complaint received 2018-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

There were fraudulent charges on the XXXX account made XX/XX/XXXX in the amount of {$79.00}. Dispute was filed with original creditor ( XXXX ). They continued reporting and responded XX/XX/XXXX with a resolution. XXXX concluded the debt was mine because it was " delivered ''. They provided shipment details with names and addresses that have NO connection to me. I DID NOT order these items. So I disputed again, discontinued payments until fraud was resolved. During time, collection attempts were made by XXXX, XXXX XXXX, and finally Portfolio Recovery Associates. I received a letter from XXXX on XX/XX/XXXX for a refund of {$44.00} for fees and finance charges. This was received after my account had been sold to Portfolio Recovery Associates on XX/XX/XXXX. The refund did not even begin to cover the fraud charges or the fees and interest incurred during this fraud dispute. So now I am in collections for $ 300+ in fees, interest and charges that I should not be responsible for. Once I learned that the debt had been charged off and I did not agree with the balance owed, totaling {$540.00}. XXXX informed that I had to contact the new company Portfolio Recovery Associates to validate debt. Then I made a dispute with the credit bureaus. They concluded that the balance was correct which is inaccurate because the charges on the account were a result of fraud.
Consumer complaint received 2021-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

I have paid my mortgage on time since I purchased my home in XX/XX/XXXX. In XXXX I switched homeowners and was given a refund check for approximately XXXX from insurance co. I then called Lakeview Loan servicing insurance dept to find out how to get the refund check to them. I submitted check as directed. I continued to pay my mortgage and in XXXX XX/XX/XXXX received a statement that I was past due with a late fee. I had paid my mortgage on time for XXXX as usual. I attempted to call and was sent to automated system with no way to speak to a live representative. I continued to XXXX numbers and after several attempts and hours on hold I got someone in the insurance dept. the person told me they had not allocated the check that I submitted properly and then we Deere disconnected. I tried tirelessly to contact them waiting on hold for several hours without success. I then received a foreclosure packet. There was the same number that you can not get a live person. I emailed explaining I had paid my mortgage and even submitted photos of it coming out of my account with no reply. I finally called on XX/XX/XXXX and pushed the button that said refinance as I knew someone would promptly answer they connected me to the proper department. At this point I had 2 late fees and it has been reported to the credit bereau. The women I spoke to said she could see something was wrong and admitted my payments were there but there was nothing she could do but open a ticket she advised me to not pay XXXX! They are taking my money and giving me bad credit I am helpless and they are not willing to help!!!
Consumer complaint received 2021-05-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I checked my credit several months ago and noticed that there were inaccuracies being reported. I reached out to XXXX to correct the problematic items listed. Their response regarding this was that they validated the items with the company. I reached out again and they have failed to respond back. 
I am the original creditor, at no time was there an employee of XXXX nor the other companies listed when this alleged credit transaction took place. I did not verify any trans actions nor did I give consent or authorization to XXXX XXXX or ANY company to benefit from reporting any of my information. I have a right to privacy! Reporting this adverse information is an attempt to ruin my reputation, my character, and my life in general. This is a violation of my rights as a consumer.
Consumer complaint received 2024-02-28
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. (NY)

While going through my credit report I noticed an account that was not reporting accurately. I have two late payments that were paid as agreed and on time. Consumer reporting agencies have a duty to report complete and accurate information. As proof that this account was paid in time, Im attaching a copy of my report to this complaint for the following date XX/XX/scrub>XXXX XXXX XXXX XXXX. Youll see that two of the three reporting agencies is reporting accurate information., that I did in fact paid my account as agreed. I request that you investigate and provide verifiable proof with records and/or documentation showing that I made late payments. When this information can not be verified, I demand that these payments be reversed to paid as agree paid on time immediately. Thank you for your time and prompt actions.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my NUMEROUS 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 items : XXXX, XXXXXXXX XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$970.00} ; XXXX XXXX XXXX  Balance : {$5000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX  Balance : {$560.00} ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX ; XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2023-09-26
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. (NC)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX US DEPT . OF EDUCATIO XXXX
Consumer complaint received 2021-05-26
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: Advantage Credit, Inc. (CA)

OnXX/XX/2021, I ask for the Mortgage loan interest rate since I prepare for the new home loan the loan broker didn't get my consent then pull my hard inquiries and it makes my credit score immediately down for points. I contacted with the loan agent, and she told me that she just run the soft credit report and also it will not effective for my hard credit, but in fact, I got the notice from my bank and it said someone run for the hard inquiries credit repot and my credit score was down in few points. I would want to complain for this loan broker issue, I didn't give them authorization to pull my hard inquiries credit and I didn't sign any paper work.
Consumer complaint received 2021-05-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-05-27
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: ERC (OH)

I logged into XXXX, to find an account that I have no knowledge of and let along DO NOT EVEN KNOW WHAT IT IS. Under the FCRA if a consumer owes a debt, they must be notified by the company within 30 days. I was NEVER notfied of any debt. I don't even know what this debt is. This also violates the Fair Debt Collection Practices Act. As mentioned I noticed the account XX/XX/2021 at XXXX. I immediately notified my attorney because I have never been in a situation like this. My attorney has filed a formal civil complaint against Enahced Recovery Co. L This also violates a bunch of other subsections within the FCRA, FDCPA , SCRA , 15 USC 1681, meto 2 compliance and many more.
Consumer complaint received 2023-02-20
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. (TX)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  Balance : {$20000.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XX/XX/2022 XXXX XXXX XXXX Balance : {$2700.00}
Consumer complaint received 2021-05-27
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. (MI)

IN XX/XX/XXXX MY INFORMATION WAS USED to open a lease from a creditor named XXXX XXXX XXXX XX/XX/XXXX my identity was stolen and used for unemployment benefits, the thieves also tried to apply for multiple items via internet but was unsuccessful due to me putting a freeze on my credit report, but before i could freeze my credit report i had accumulated a total of 3 unauthorized / fraudulent inquiries which are from XXXX XXXX / XXXX XXXXXXXX XXXX. i do have a XXXX XXXXXXXX account but some one else tried to apply for another XXXX XXXXXXXX card with out my permission. I have reported all incidents to local and federal authorities.
Consumer complaint received 2021-05-26
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. (FL)

I recently pull my credit through free annual credit and notice a few fraudulent accounts and credit inquires on my report. A few years back i lost my wallet at a party in XXXX. Back in XXXX, I call the credit bureaus to inform them about the fraudulent accounts. They told me I needed an FTC report to support my claim. I sent in the document via mail and call 2 weeks later and they told me they didn't receive anything. I am frustrated and tired because they are reporting fraudulent accounts on my credit
Consumer complaint received 2021-05-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: General Motors Financial Company, Inc. (WI)

I had a lease with GM Financial from XX/XX/XXXX until XX/XX/XXXX. I made every payment on time with auto pay and never had any issues. I returned the vehicle to the dealership in XXXX of XXXX and double checked GM Financial 's website to ensure that my last payment had been made. I regularly check my XXXX credit score through a couple of apps and everything was normal just recently, my score dipped from XXXX to XXXX unexpectedly. It showed that I had a missed payment, but for the life of me I couldn't fathom what had been missed. I got in touch with a friend who told me about XXXX XXXX XXXX and later this website ) as a way of tracking my credit more directly and getting some answers. It turns out that GM Financial had assessed me with end of lease fees in the amount of XXXX and never notified me. The dealership never said a word, and I had absolutely no idea that these fees were owed. Upon discovering this ( maybe 20 or 30 minutes ago ), XXXX, I immediately logged into the GM Financial website and paid the amount. I asked if they'd be able to help me out and remove this from my credit rating since I've never had any issues in the past and I was literally unaware of the fees, and they said that my only option was to contact the credit bureau 's directly and hope for the best. I'm happy to supply further information as needed, this whole experience has been frustrating, scary, and completely unexpected.
Consumer complaint received 2021-05-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Two fraud charges made on a Bank of America credit card were initially reversed and then later charged back to me by the bank. The two fraudulent charges were made onXX/XX/XXXXfor the amounts of {$270.00} and XXXX. When the fraudulent charges were discovered by me, Bank of America was called immediately and the card was deactivated. Bank of America never did their due diligence to notify me of the unusually large amounts charged to my account and never protected my account. Subsequently, I have made two phone calls to the bank 's fraud department on XX/XX/XXXXand XX/XX/XXXX re-stating my case of fraudulent activity. To date, no action by Bank of America has been taken to reverse the fraudulent charges. This impacts my ability to use the card since my maximum limit is {$800.00} and impacts my credit score for having a high percentage of card utilization for fraudulent charges.
Consumer complaint received 2021-05-27
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: EQUIFAX, INC. (MD)

Someone has stolen my identity & Equifax will not delete this information. These accounts do not belong to me & I did not get anything from these people. Please delete this information from my credit report. I have attached a police report, identity theft report & a request to block & delete this information.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

Someone in Illinois fraudulently filed for unemployment insurance on my behalf. That was reported. Out of caution I have placed credit freezes with XXXX and XXXX Experian did not allow me to file a freeze online and asked me to send in a physical request by mail along with highly sensitive personally identifying information. It seems they are making me jump through hoops to file a freeze to discourage the freeze, and it is working. I will not file a freeze with them by mail due to the potential risk of extremely sending sensitive information by mail including photocopied ID cards. And so, influenced by the behavior of their system, I will not file a freeze with them at all despite the risks to my identity.
Consumer complaint received 2020-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP (CT)

On XX/XX/XXXX I made a deposit through the ATM a check for {$75.00} from XXXX XXXX made out to XXXX XXXX XXXX XXXX was caught in the machine Debit card associated with this transaction. I called Key bank that evening and the customer service rep told me it would take 2 days to clear up. On XX/XX/XXXX I went into Key Bank and I was told they had the check. I talked with a woman XXXX ( not the correct spelling of her name. She called me on XX/XX/XXXX and told me the were depositing this check into the account. THIS NEVER HAPPENED. I went to the bank on XX/XX/XXXX The manager told me the check was in dispute, and she would have XXXX call me. Which she never did. Extremely poor Customer Service with zero follow through. I requested from the manager the check back ... the issue is still not resolved. I have heard nothing from KEY Bank. 

The name on the account is XXXX XXXX XXXX XXXX .... My name is XXXX XXXX. I am asking that this bank IS INVESTIGATED, and this problem is corrected immediately. 

Thank you for you timer in this mater XXXX XXXX
Consumer complaint received 2021-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (WA)

My Citi credit card, ending in XXXX, generated a bill for the month of XXXX, XXXX. However, I have a 0 % interest bill statement, so this bill was generated in error. I contacted an agent explaining that I have a bill credit and should not get a bill until XXXX, XXXX. However, the agent said there was no bill credit and I would have to pay interest. I have an official letter from Citi stating the duration of the bill credit. I have had many issues with Citi concerning this bill transfer since I became a customer. I would never recommend anyone use a Citi card.
Consumer complaint received 2021-05-27
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: Experian Information Solutions Inc. (TN)

These agencies are in violation of 15 U.S.C 1692g. They were to notify me in writig 5 days prior. I was not. As the original creator, only I can validate this debt, I do not validate this debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These ageNcies are in violation of Hippa according to FDCPA, I will file a complaint with inappropriate Misuse of my medical information and for deceptive practices XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

On XX/XX/23 I submitted letters to the credit reporting agencies to initiate an investigation into items that are being reported on my credit report that are inaccurate. I either received no acknowledgement of my documentation or received an email that stating " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' This message, and the lack thereof, indicate that these credit reporting agencies received my investigation documentation, yet willfully neglected FCRA Section 611 ( 15 U.S. Code 5 1681i ) titled Procedure In Case Of Disputed Accuracy which states, " In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the ( 30 ) day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' These agencies have also been notified of this neglect which I will be providing documentation for.