davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

On XX/XX/2023 I paid my XXXX XXXX account in full. This account was from an old lease which I paid on time throughout the duration of my lease. I was taken advantage of by the dealership into getting a lease with mileage protection knowing I would be going over my lease miles. I was then charged {$2400.00} for mileage. I felt I was taken advantage of by unethical sales practices. I did not want to pay this for that reason. I am self employed and this transaction on my credit began to hurt myself and business. I decided to pay this account in full to better my credit. I made a payment over the phone with a representative and was told my account would be updated within 30 days. Since then XXXX XXXX has continuously reported on my credit incorrectly. Every representative tells me my account has been paid in full and it will properly be reflected however after each communication and dispute they either say on my credit report I settled and paid for less or that I owe {$10.00}. This is inaccurate as my account was paid in full. Account is under my maiden name, XXXX XXXX.
Consumer complaint received 2024-04-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunnova Energy Corporation (RI)

At the end of XXXX of XXXX, I had a gentleman XXXX XXXX from XXXX XXXX at my door explaining to me about going solar. XXXX with XXXX had told me that XXXX  XXXX is going up by 45 % and he could save me money by going solar with XXXX, XXXX sat down with me and said I'll be paying more with XXXX  XXXX and he would save me money going Solar. I told him I've been on XXXX since XXXX, and he asked me for my XXXX XXXX bill and my XXXX paperwork. He showed me that also going solar I would also receive a tax credit of {$10000.00}. I had to do my taxes on XX/XX/XXXX and I was told that's not how that works regarding the tax credit. My payment would be {$190.00}. Now as of XX/XX/XXXX, they took out {$230.00} and that's incorrect. 

I have tried to call XXXX, and his manager XXXX at XXXX for over a week and a half and received to call back. I tried calling XXXX the loan company as well. 
As of XXXX of XXXX, I called my bank, XXXX  and they had put a 6-month block on my account so the loan company XXXX would not be able to take money out of the account all I keep getting is lies, and the push around from XXXX. 

I was lied to by XXXX XXXX the Rep for XXXX and everything I was told was nothing but lies regarding this solar loan of {$55000.00}. 

Company 's involved XXXX installation Sunnova- loan company. 

XXXX XXXX
Consumer complaint received 2023-07-10
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. (TX)

I contacted Experian and asked for them to investigate and remove the inaccurate account from my consumer report that they are illegally reporting, and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. This have been going on for over a year.
Consumer complaint received 2023-02-13
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I was going through my records & noticed many information or items that do not belong to me Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (NY)

On XX/XX/2023 I paid my GM Financial account in full. This account was from an old lease which I paid on time throughout the duration of my lease. I was taken advantage of by the dealership into getting a lease with mileage protection knowing I would be going over my lease miles. I was then charged {$2400.00} for mileage. I felt I was taken advantage of by unethical sales practices. I did not want to pay this for that reason. I am self employed and this transaction on my credit began to hurt myself and business. I decided to pay this account in full to better my credit. I made a payment over the phone with a representative and was told my account would be updated within 30 days. Since then GM Financial has continuously reported on my credit incorrectly. Every representative tells me my account has been paid in full and it will properly be reflected however after each communication and dispute they either say on my credit report I settled and paid for less or that I owe {$10.00}. This is inaccurate as my account was paid in full. Account is under my maiden name, XXXX XXXX.
Consumer complaint received 2020-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I noticed a collection account on my credit from Portfolio Debt Collection agency for an account from XXXX XXXX. A credit card that I never had. I asked them to send me information on this card and to verify it. They won't do anything but report it on my credit. I don't even have XXXX XXXX  anywhere on my credit file, only a collection from Portfolio. This is a erroneous account
Consumer complaint received 2023-07-10
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. (CA)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have pulled my report and there are accounts reporting inaccurately. I know that credit reporting agencies are supposed to report only 100 % accuracy. I have not received any investigation procedure on these accounts. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (GA)

Dear Sir/Madam, I am writing to formally dispute the accuracy of the account information being reported by Discover Bank ( Account Number : XXXXXXXX  ) on my credit reports with your credit bureau. I have carefully reviewed my credit reports from XXXX, XXXX, and XXXX, and I have identified significant discrepancies in the reporting of this account. The discrepancies in reporting dates between the three credit bureaus have raised concerns about the accuracy of this information. 

Here are the details of the discrepancies : XXXX : Reporting Date : XX/XX/2023 XXXX : Reporting Date : XX/XX/2023 XXXX : Reporting Date : XX/XX/2023 These inconsistencies in reporting dates for the same account with Discover Bank are a cause for concern. The discrepancies could mislead creditors and lenders who review my credit report, potentially affecting my ability to obtain credit and loans. 
I kindly request that you investigate this matter promptly and make the necessary corrections to ensure that the account information is accurate and consistent across all three credit bureaus. Please verify the accuracy of the account 's reporting date, and if it is found to be incorrect, update the information accordingly. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. I expect this dispute to be resolved in a timely manner, as required by law. Additionally, I request that you provide me with written confirmation of the actions taken to correct this discrepancy once the investigation is completed. 


I appreciate your prompt attention to this matter and your assistance in resolving this dispute. Please send me a written response within 30 days of receiving this letter to inform me of the results of your investigation. 

Thank you for your cooperation and for helping me maintain the accuracy of my credit reports. I can be reached at XXXX or XXXX if you require any additional information or have further questions regarding this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-07
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. (GA)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX5 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 2023-07-08
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. (NY)

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX XXXX  XXXX XXXX, NY XXXX ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX.
Consumer complaint received 2023-07-10
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. (NJ)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/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
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (FL)

One company is LNLV which just keeps showing, XXXX regardless of the action I take and even a lawyer fixed it ( for an expensive fee ) and it appeared backed on the credit account. 


The second is XXXX XXXX insurance which I replaced with XXXX XXXX XXXX  and both parties have the information, now XXXX caused numerous problems and a significant ( almost XXXX point drop in credit score ). XXXX IS A FRAUD!! THEYVE REFUSED TO FIX DAMAGE TO MY VEHICLE UNLESS I PAID {$1000.00} Co-Pay ( not even in vehicle, I was working inside! The driver drove away ). Regardless, when XXXX offered a lot less than {$510.00} a month, I cancelled my a XXXX policy via Phone, E-mail, Paper mail with stamp, faxed to corporate office. In addition, any debt owed to XXXX XXXX XXXX I paid in full. Then re-advised not just my local office, but XXXX corporate office in all the above mentioned ways. They demanded money after no debt was owed to them, they also dropped my credit score and made me an at risk customer in the database out of spite. 

LNLV a needs to be removed once again. If they have an issue, I will bill them my previous legal bills ( they wont forget again ). 

In addition, XXXX needs to remove any and ALL debt. THEY ARE COMMITTING FRAUD! I HAVE PAPERWORK THAT SHOWS ALL PROPER STEPS WERE TAKEN TO CANCEL MY POLICY AND PAY ALL DEBT. I HAVE PROOF THAT XXXX HAS BEEN MY ACTIVE AUTO INSURER!! SHAME ON THEM!!
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have XXXX hard inquiries on my credit score. XXXX from some XXXX XXXX  XXXX from a credit card XXXX from a car insurance for which none of them I never applied for. You can see the cards were never even used. You can also see that I never even owned a vehicle so I would like if all these could please be removed
Consumer complaint received 2023-09-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My debit card from capital one was charged over XXXX dollars from XXXX XXXX for food deliveries to a different address that I never resided nor was I near that address but capital one allowed all of the transactions and when I filed a dispute with the bank they rejected my dispute and evidence that I sent to them and they closed my account on a XXXX dollars negative, in addition I spoke to XXXX and they claimed they didnt see the charges from that debit card which I provided all of that information to capital one and they still denied the claim. I am residing in Florida and the deliveries and orders were made in Pennsylvania. I am getting constant phone calls now from capital one to pay for something I never authorized.
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (PA)

Made a purchase on {$980.00} on XXXX XX/XX/2023. The statement was closed on XXXX XX/XX/2023 and I would expect to be given at least 21 days to make this payment. But, I see that the statement that came on XXXX XXXX came with a {$20.00} interest that was charged on the {$980.00} purchase, which is totally unjustified. The bank acknowledged this as incorrect interest but I wanted to bring to your attention that such incorrect interest were charged and may be going unnoticed with so many customer. My account has an active 0 % Balance transfer balance on the account as well.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One requested why payments were returned. 
I already explained in the first letter for the following reasons : XX/XX/2023 RE : Requested wave from Late payment 30 days from Capital One account. If you explain the XXXX -day Late Payment issue, I found that a company that I didn't know in the private account of the bank had automatically XXXX {$34.00} for XXXX months. I immediately contacted the bank and stopped the Debit Card. But there was passing without knowing that Capital Payment was paid. I continued to receive a message that I couldn't pay for it in Capital One, but I thought it was the wrong message. Later, I found out that Debit Card had a capital one payment on a card that was stopped, but I knew that it was already reported to the credit-related company. I admit that I made my mistake, but I am disappointed that my credit score has gone down over XXXX points. I want to make a good credit and I will ask you to exclude the credit company.
Consumer complaint received 2023-09-11
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: Exeter Finance, LLC. (CA)

XX/XX/2023 contacted XXXX XXXX XXXX No information can be located Possible mistake System doesnt go back that far. 
I was told to dispute and the will approve
Consumer complaint received 2023-09-11
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: CarMax, Inc. (CA)

XX/XX/2023 contacted XXXX XXXX XXXX No information can be located Possible mistake System doesnt go back that far. 
I was told to dispute and the will approve
Consumer complaint received 2024-10-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (VA)

On XX/XX/year>, as I was carefully examining my annual credit report, I discovered that IC System LLC had reported a collection action associated with my account. To my surprise, I had not received any prior notification from IC System LLC about this collection action, either before or after they reported it to the three major credit reporting agencies. This lack of communication left me concerned and seeking clarity about the situation. 

On XX/XX/XXXX, I reached out to IC System to clarify whether a letter had been sent to my mailing address regarding my account. During the conversation, I was informed that an email had been sent to the email address associated with my account around XX/XX/year>. They suggested checking my SPAM folder for any missed messages. Additionally, I learned that I had also been contacted via text message. Despite this information, I did not receive either form of notification. The lack of communication significantly hindered my ability to validate the debt and or pay the debt off before it was reported to the credit Bureaus. 

IC System assured me that they would be sending another letter on XX/XX/year>. During our conversation, we took the time to verify my email address before concluding the call. Despite this assurance, I have not yet received the promised letter, which underscores the critical importance of accountability in this situation. 

IC System informed me that they mailed a letter on or around XX/XX/XXXX, but I never received it. This failure to notify me has significantly hindered my ability to validate the debt or address it before it was reported to the credit bureaus. This situation is quite urgent and requires immediate attention.