davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-02
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. (NY)

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 Inquired on XX/XX/XXXX
Consumer complaint received 2022-11-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I ordered a copy of my report and I found out that credit reporting agencies indicate my dispute of information in my credit report. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} ; DEPT OF EDUCATION/XXXX XXXX XXXX opened XX/XX/XXXX Balance {$8300.00} ; DEPT OF EDUCATION/NELN XXXX Date opened XX/XX/XXXX Balance {$13000.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00}.
Consumer complaint received 2021-05-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MI)

I am reporting ALLY financial. I have sent numerous emails and online chats requiring a supervisor to reach out to me and have been denied each time. These attempts were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. There were also many failed phone calls with horrible representatives who promised I would get return calls but never did. No one has took the time to look over my account and correct it. I have never had 25 late payments as they report to the credit bureau. I have paid extra payments on my account that have not been applied correctly and still overcharged late fees and past due ammounts which affect my credit. I can not get anyone to correct this so I can apply for a mortgage. Please help me get someone to look into this account for me.
Consumer complaint received 2022-11-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I ordered a copy of my report and I found out that credit reporting agencies indicate my dispute of information in my credit report. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX opened XX/XX/XXXX Balance {$8300.00} ; DEPT OF EDUCATION/NELN XXXX Date opened XX/XX/XXXX Balance {$13000.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00}.
Consumer complaint received 2021-05-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (LA)

We purchased our home in 2006, right after Hurricane Katrina. We were given a high interest rate of 9.24 %, even though we put {$25000.00} down and paid closing costs of {$15000.00}. During the Corona Virus, we struggled to pay the monthly payments. We have our own business and struggled, as everyone did. We asked them to work with us by lowering the interest rate. We have been asking them for many years to see if we can lower the rate. They can't do that because we are self employed. We feel that they are price gouging on the interest rate. We have been there for 17 years. We are now in our XXXX 's, our credit score is high. We feel like we are being discriminated against because we own our a business. There should be no reason for them not to be able to help us.
Consumer complaint received 2017-02-06
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Zenith Financial Network Inc (TX)

They have called and not left a message 4 times today alone. Three calls from XXXX and once from XXXX. When I called both numbers back and complained about their harassment, they got verbally aggressive and loud talking over me and then hung up on me.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I have a grievance concerning my actual accounts and good credit history that is not associated with the ID Theft Reports no longer being listed. Several of my accounts that are mine and are positive are no longer reporting. I am sure this is the primary reason that my score has dropped over 100 points. Because of this significant drop I have suffered loss of business opportunity and extensions of credit. I would like for those accounts not included in the Identity Theft Report to be placed back on my Equifax credit report and to remain on my credit report for the allotted time. I have provided a list of the accounts in the attached documents that show the accounts were on my report prior and are no longer on there. 

Second, I have three accounts that were submitted through an Identity Theft Report That are still appearing on my credit report. Those items are XXXX XXXX ( 4th company down listed on attachment XXXX ) and a duplicate reporting of the same XXXX accounts ( 2nd company listed down in the attachment XXXX ). The XXXX is reporting twice at the beginning as the first item on the credit report and again as the last item on the credit report. And actually the accounts are even misreporting as well because the account has been sold or transferred to a collection company by the name of XXXX XXXX. You can see that the phone number and contact details to XXXX XXXX are detailed in the contact area of the creditor contact information. I called XXXX and XXXX XXXX, who identified himself as a customer representative, stated he found no information related to any of my personal information related to an account with XXXX. Detailed information is again included with the documentation attached.
Consumer complaint received 2023-08-09
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act. The List ot accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (FL)

On XX/XX/2021, I, XXXX XXXX, received a letter via USPS mail from XXXX XXXX XXXX XXXX stating I owed a debtor {$630.00} and named PayPal, Inc as the creditor. While I have a regular PayPal account -- the kind in which I deposit and withdraw my own earned money -- I do not and never have taken out a PayPal credit account. In fact, the one time I tried to apply for one, I was denied, so I am pretty sure that this is either the result of blatant fraud or identity theft.
Consumer complaint received 2021-05-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc. (VA)

I received 3 email from Money Lion on Saturday evening that a checking account had been opened and a debit card had been ordered. I did not open an account with this bank. I tried to contact the bank but was unable to and could not close the account via the app or website.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I reviewed a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses I have never resided with and may possibly belong to a relative. For the record, I have lived at the same address for five ( 5 ) years. 

My correct name is : XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY, they are not accurate. 
My current address is XXXX XXXX XXXX XXXX XXXX OH, XXXX and I have resided here for 5 years. 
All other addresses are not accurate, please remove them IMMEDIATELY. 
XXXX XXXX XXXX XXXX OH, XXXX XXXXXXXX XXXX XXXX XXXXXXXX OH , XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX. 
Please remove the above addresses they do not belong to me.
Consumer complaint received 2021-05-17
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. (CA)

For months I have been disputing the incorrect items on my credit reports with the 3 credit bureaus XXXX, XXXX and Experian and none of these companies are providing verification or validation of any of these items within the legal time allowed.
Consumer complaint received 2021-05-17
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. (CA)

For months I have been disputing the incorrect items on my credit reports with the 3 credit bureaus XXXX, Equifax and XXXX  and none of these companies are providing verification or validation of any of these items within the legal time allowed.
Consumer complaint received 2021-05-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (LA)

I purchased a XXXX  XXXX XXXX and got a loan threw Santander with an extreme bought interest rate 26 percent. The car had XXXX mille on it when I purchased it at XXXX miles the motor looked up and I had to have a replacement. The notes were XXXX $ a month even though The car did not work i still paid. After i had The motor replaced XXXX miles later the car transmission went out. I was still paying never late. When the transmission went out i gave up and let XXXX have it back i am a single parent, with a non running vehicle i was paying an outragious note on. I turned the vehicle in and quit paying. 
Santander knew i could not afford the vehicle yet they knew i was disperate and sold to me at high interest which should be illegal. I would like the XXXX $ on my credit for the lemon taken off please. I would of kept paying on it if it ran, or Santander would of lowered my interest rate. 
Please take this into consideration. Santander is committing price gouging when it comes to people who they know can not afford there interest. XXXX, disperate people who need transpertaion. Thank you.
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a complaint against XXXX for allowing XXXX XXXX XXXX to report fraudulent and negative collection accounts on my credit report despite the fact that they know my account is under investigation for identity theft. As a victim of identity theft, I have taken all the necessary steps to report this crime and have already filed a complaint with identity.gov. However, XXXX has not taken the appropriate action to block any inaccurate information related to XXXX XXXX XXXX from appearing on my credit report, as required by federal law. Furthermore, I am concerned that XXXX is not conducting proper investigations before allowing companies to report information on my credit report. This is unacceptable and goes against the Fair Credit Reporting Act, which requires credit reporting agencies to ensure that all information on a consumer 's credit report is accurate and fair. I urge you to investigate this matter thoroughly and take appropriate action against XXXX for allowing fraudulent and negative information to be reported on my credit report. I also request that Transunion remove all inaccurate information related to XXXX XXXX XXXX from my credit report and provide me with a written response within 10 business days, confirming that the information has been removed.
Consumer complaint received 2021-05-17
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: LEXISNEXIS (MO)

I want to contact someone at your company to let you know that I mailed a letter to XXXX XXXX XXXX, XXXX, XXXX, and Lexis Nexis about the validity of this Bankruptcy that you have listed on my Credit Reports. I mailed this letter on XX/XX/2021 and not one of the 5 companies have sent any corresponding letters. I recently challenged the same account on the other Credit Bureaus and they came back stating that they have verified this account. I have went to the courthouse and they have also stated that THEY DO NOT VERIFY THIS INFORMATION TO ANY 3RD PARTY CREDIT BUREAUS OR AGENICIES. Please send me whatever documents of information you have personally used to verify this alleged Bankruptcy, immediately.
Consumer complaint received 2021-05-17
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: EQUIFAX, INC. (MO)

I want to contact someone at your company to let you know that I mailed a letter to XX/XX/XXXX, XX/XX/XXXX, Equifax, XXXX, XXXX, and XXXX XXXX about the validity of this Bankruptcy that you have listed on my Credit Reports. I mailed this letter on XX/XX/2021 and not one of the 5 companies have sent any corresponding letters. I recently challenged the same account on the other Credit Bureaus and they came back stating that they have verified this account. I have went to the courthouse and they have also stated that THEY DO NOT VERIFY THIS INFORMATION TO ANY 3RD PARTY CREDIT BUREAUS OR AGENICIES. Please send me whatever documents of information you have personally used to verify this alleged Bankruptcy, immediately.
Consumer complaint received 2022-11-02
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: Experian Information Solutions Inc. (CA)

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 accounts I'm challenging have nothing to do with any transactions. Please remove this account : XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially ... and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2021-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I booked flight tickets through the Chase travel portal using my Chase XXXX Rewards. The flight was scheduled for XX/XX/XXXX, which didn't happen due to COVID19 pandemic. 

The flight itself went through several changes and Chase didn't give me any update in time. I had to call several times, each time holding the phone for more than an hour without getting sufficient status on the airline and flight status. The agents always promised to do more research and emailed me but none did. This can be verified by Chase 's recorded phone calls with me. 

The last update I received from Chase regarding this flight was on XX/XX/XXXX. I was informed of the credit I received due to this flight being cancelled. In the email, Chase also promised to come back with more details regarding when I'll need to use the credit. 

I tried to call Chase in XX/XX/XXXX regarding conditions and terms of the credit. There was no update and the agent promised to email me after finishing the research. I never received any email or phone call from Chase regarding my flight. I bought this ticket on its {$550.00} Chase XXXX card, which I subsequently cancelled due to this frustrating experience. 

Today, which is almost 1 year since Chase 's last update on this flight ticket, I googled the internet to learn that this airline has gone into bankruptcy. I still do not hear from Chase what's the status of my flight credit and if I could get my money back.
Consumer complaint received 2021-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (WA)

On XX/XX/XXXX I sent the following letter to NCA Collection Agency about 2 collection accounts that appeared on my credit reports. In the letter I asked to verify the accounts belong to me. I asked for Documentation to be sent showing I was the proper owner. I have given over 30 days for NCA to provide this information to me, which they have not done so. Therefore, I ask this to come off my credit report ASAP since it has damaged my chances to obtain credit. I have attached the delivery conformation verifying the date of delivery was indeed on XX/XX/2021. 
Thank you, XXXX XXXX
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXXXXXX 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