davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-28
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. (IL)

I recently pulled my credit report with all XXXX bureaus and thoroughly looking over everything I noticed there is inaccurate information on my credit report including : wrong names not, wrong addresses, wrong employment listings that are not associated with me. in addition Unauthorized Inquires I do not recall attempting.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Heritage Financial Group, Inc. (KY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX RE : XXXX XXXX XXXX and IRS cancellation of debt 1099C Heritage Acceptance is reporting income to consumer 's report. The IRS has accepted this as reported income and 1099C cancellation of debt by Heritage Acceptance account number # XXXX was received from IRS. Heritage Acceptance is inaccurate reporting income a certificate of indebtedness to my consumer report. I also revoke or rescind any security interest that I previously willfully given to Heritage Acceptance. I also rescind any written, non written, verbal or/ and, nonverbal signature to share, transfer, sell or assign to non affiliated or CRAs my personal identifying information. I also revoke or rescind my signature on all written agreements. I have attached my personal identifying information such driver 's license and utilities bill. XXXX XXXX XXXX XXXX # last XXXX digits # XXXX XXXX XXXX XXXX XXXX KY XXXX I am not a XXXX  party or credit.
Consumer complaint received 2022-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TN)

5TH REQUEST PLEASE SEE ATTACHED FTC REPOERT. IVE NEVER DONE BUSINESS WITH NCA OR ENTERED INTO A WRITTEN CONTRACT WITH THIS COMPAMANY. THIS ACCOUT IS FRAUDULENT AND NEEDS TO BE REMOVED.
Consumer complaint received 2022-03-01
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX CT GA XXXX account # 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 an account without my written instructions
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AFNI INC. (FL)

Settled debt with company called " XXXX XXXX XXXX ' in which they stated once paid they will remove from my credit report. Its been a month and its showing up on my credit report. Amount was {$300.00} - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (DE)

There are derogatory remarks on my three credit reports as reported by phh from XX/XX/XXXX to XX/XX/XXXX. This property was taken by the state of new jersey, court order attached in XXXX and i have a contract signed with phh so those months being late is INCORRECT. Yet another mistake that this terrible company refuses to fix. Class action lawsuit
Consumer complaint received 2020-04-10
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. (FL)

Unfortunately I have been a victim of identity fraud and my information was used to get some type of medical service or procedure. I have a company calling me from XXXX and they are very rude and don't provide me with much information. I have requested to have them validate my debt and they have failed several times to do so. Please help get them to comply with the fair credit reporting act and identity theft protection. My credit has taken a huge hit because of this and it is flat out not fair to me and my family.
Consumer complaint received 2023-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (VA)

Dear Sir/Madam : I am a XXXX XXXX XXXX XXXX On XX/XX/, I purchased a roundtrip XXXX XXXX XXXX plane tickets for {$1400.00} from XXXX XXXX  to XXXX, XXXX and back via search engine called XXXX at XXXX : XXXX. I received the attached email confirmation from XXXX on the same day showing the {$1400.00} that I paid. However, later I saw a credit card charge in the amount of {$1400.00} on XX/XX/. I submitted a dispute online to my citibank costco visa credit card on the same date for the amount of {$40.00}, which is the difference between the amount I actually paid and was charged for. With the dispute, I submitted copy of the confirmation email I received on XX/XX/2023 from XXXX showing the {$1400.00}. However, on XX/XX/2023, I received a letter from the Citibank asking me to sign a letter confirming the disputed amount and mailing it to them. Citibank did not offer any faxing or emailing options. See the attached letter for details. I called Citibank on XX/XX/XXXX or XXXX explaining that I submitted digital copies of the confirmation letter and that I do not understand why I need to sign another letter and send it via mail. A customer service representative understood my issue and tried to be helpful by submitting additional information such as that I called confirming the amount and flagging the copy of the confirmation email with charged amount during the initial submission of the dispute. However, on XX/XX/2023, I received the attached letter from the Citibank stating that they were not able to resolve my issue and the charges will stay valid. I do not understand why Citibank continues to spend so much time to resolve a {$40.00} dispute which is costing it way more than that in labor hours and supply. It is also wasting my time. I am a great customer who brings a lot of business to the Citibank. I kindly request to refund {$40.00} in difference because I did not authorize the charge.
Consumer complaint received 2022-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MI)

The debt collector, Convergent, is claiming that I owe a cable provider debt that I do not owe. They claim that this debt was incurred in XXXX this is OUTRIGHT FALSE. 

The last time I had cable television in my name was in XXXX or XXXX. As far as I remember, that account was closed satisfactorily with no payment due. However, even if this were not the case, this debt would be over XXXX XXXX XXXX. 

Furthermore, I lived in XXXX from XX/XX/XXXX until XX/XX/XXXX. Since I was there working the refugee crisis, my time in XXXX is well documented via major media like XXXX XXXX, and social media pages. 

At best, this company is REAGING old debt to make it appear new. A practice illegal and violating my rights to have my credit reported ACCURATELY. 

At worst, they are making up debt all together. 

Because I am rebuilding my credit and have VERY LIMITED number of accounts, the damage of this collection account has been immense and I have been rejected from many financial opportunities. 

I can not even get approved for the smallest card amounts and have been unable to rebuild my name because of their illegal practices. 

I disputed this account with XXXX back in XXXX and this company verified the false information they are providing and XXXX took their word for it without an further investigation that would have concluded this is NOT a valid debt or that it could possibly be recycled and reaged. 

As such, I would like to file a complaint against both XXXX and Convergent. But especially against Convergent. 

For them to intentionally cause financial harm to Americans with false information after everything we went through with COVID shutdowns is particularly repulsive.
Consumer complaint received 2019-12-28
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. (FL)

Contacted Experian and Explained that most of my account are listed as past due and negative although a Chapter XXXX Bankruptcy was filed in XX/XX/XXXX and Converted to a Chapter XXXX in XX/XX/XXXX. The accounts were updated as negative and Charged off since XX/XX/XXXX. Resulting in my account noting 34 past dues and negative status These accounts should've been noted once and not noted for every month since XX/XX/XXXX. 

I need all of these errors and unverifiable information and error deleted from my files. XXXX accounts that were duplicated and fraudulently opened.
Consumer complaint received 2023-01-06
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: EQUIFAX, INC. (CA)

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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
Consumer complaint received 2022-03-02
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: TRUIST FINANCIAL CORPORATION (GA)

There are quite a few inquiries that i did not recognize on my credit report. I will list them below and would like for them to be looked into and removed please thanks.1XXXX XX/XX/XXXX. ( 2 ) XXXX XXXX XX/XX/XXXX. ( 3 ) -XXXX XXXXXXXX XX/XX/XXXX. ( 4 ) -XXXX XXXXXXXX XX/XX/XXXX. ( 5 ) -XXXX XX/XX/XXXX. ( 6 ) -XXXX XXXXXX/XX/XXXX. ( 7 ) XXXX XXXX XXXX XX/XX/XXXX. ( 8 ) -XXXX XXXX  XX/XX/XXXX. ( 9 ) XXXX XXXX XX/XX/XXXX. ( 10 ) -XXXX  XX/XX/XXXX. ( 11 ) XXXX XX/XX/XXXX. ( 12 ) -XXXX XXXX XXXX XX/XX/XXXX. ( 13 ) -XXXX XXXX  XX/XX/XXXX. ( 14 ) -XXXX XXXX  XX/XX/XXXX. ( XXXX ) XXXX XXXX XX/XX/XXXX. Please investigate this unrecognizable and unauthorized inquiries please thanks.
Consumer complaint received 2022-02-28
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)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (FL)

I'm a consumer who sent my FTC report to XXXX, XXXX, and Equifax on XX/XX/XXXX and I still haven't received a verification letter for my dispute from either CRAs.
Consumer complaint received 2022-03-02
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: Experian Information Solutions Inc. (VA)

I have been reaching out to EXPERIAN, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from EXPERIAN and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX AUTO FIN XX/XX/XXXX XXXX OF XXXX XXXX/XXXX/XXXX XX/XX/XXXX XXXX XXXXXXXX AUTO FIN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2022-02-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (TX)

I refinanced my vehicle in XXXX of 2021, and was owed a {$780.00} refund from Ally for the remained of the GAP coverage that I purchased with the initial finance. I was told I would receive the refund check within 60 days. The refund did not show up. In XX/XX/2021 I received a letter informing me they had mailed a check that had never been cashed, and if I had not received the check to mail the form back so a new check could be issued. I mailed the form back, and after 30 days still had not received a check. I called Ally on XX/XX/XXXX, and was told a check had been issued the week prior, and to allow another week for it to be delivered. The check never arrived, so I called again on XX/XX/XXXX to follow up. I spoke with an employee named XXXX, who told me they were having issues with a 3rd party company they used to cut their checks. I told him if they were issuing another check it needed to be send via XXXX  or some method with a tracking number. I told him if this wasn't resolved my next step would be filing a complaint with the XXXX. He said he would need to speak to his supervisor and call me back. He called back later that day, and said he got approval to send me a check via XXXX, but it would take 3 to 4 days before they could send the check, but that he would call me with the tracking number. After not hearing anything for 15 days I received a voicemail with a XXXX  tracking number XXXX. This tracking number pulls up a package that was delivered to XXXX XXXX, CA, but I live in XXXX XXXX, TX. I also have a XXXX XXXX XXXX account, so I am alerted anytime a shipping label is created that is sent to my address. I have not gotten anything from XXXX, so there was no label created with my address. They have either given me someone else 's tracking number, or mailed my check to CA. I believe I have taken all reasonable steps, and not gotten my money back. I need help as I am getting the run around from this company. I do not have a loan number, they use my VIN XXXX to pull up it up when I call.
Consumer complaint received 2022-02-28
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX Account number : XXXX, XXXX  XXXX  XXXX Account number XXXX XXXX, XXXX Account number : XXXX, XXXX XXXX XXXX  Account number : XXXX , XXXX Account number : XXXX, XXXX XXXX UNIVERSITY Account number : XXXX, XXXX XXXX Account number : 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.
Consumer complaint received 2022-02-28
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: CORELOGIC INC (GA)

I was received numerous emails from XXXX XXXX and Credco. I have XXXX inquires from XXXX mortgage where somehow they they were able to pull my credit report. They also called my phon numerous times and I had to ask them to remove me from their list. I have no idea what Credco is. These two companies somehow was able to pull my credit by obtaining my social security number.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

According to Equifax there is a shopping window when applying for mort

ages. Hwoever, they are showing multiple inquiries and harming my score. Equifax.com/personal/h
elp/credit-scores-inquiries/ : When it comes to credit scores, will I be penalized for shopping around for the best interest rate?

When a lender or compa

ny requests to review your credit reports as part of the loan application process, that request is recorded on your credit reports as a hard inquiry, which may impact your credit scores. However, if you're shopping for certain types of loans, such as a new auto loan or mortgage loan, multiple inquiries for the same purpose within a given period of time will usually be counted as one inquiry for credit scoring purposes. The period of time may vary de
pending on the credit score model ( the method used to calculate the credit score ) used, but it's typically

from 14 to 45 days. This allows you to check different lenders and find the best loan terms for you. All new inquiries will be shown on your credit reports, but only one of the inquiries within a specified window of time will ge
nerally impact your credit scores.

This exception generally does not apply to other types of loans, such as credit cards. If you apply for multiple credit cards, for instance, all inquiries will likely affect your credit scores.
Consumer complaint received 2023-01-06
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. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX 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 2022-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I disputed inaccurate information with Experian in regard to this account XXXX XXXX  {$1100.00}, XXXX  XXXX for {$600.00} and another XXXX  XXXX for XXXX XXXX stated the information was verified and accurate. I checked my credit report the information is still inaccurate. The report shows the payment history for XXXX XXXX begins in XX/XX/2019 which is another inaccuracy! How payment history begins XX/XX/2019 and account opened in XX/XX/2019. The accounts for XXXX also showing various inaccurate late payment of 30, 60, 60 then 90, 90, 120,120 late. inaccuracy which shows Experian, XXXX, XXXX never verified this account for correct accuracy. Who verified this inaccuracy which company and what date were these accounts actually verified for accuracy? 
These accounts are clearly inaccuracies that Experian, XXXX, and XXXX allowed to remain on my credit report is inaccurate. These accounts are deemed 100 % inaccurate and should be deleted immediately. Please delete these accounts effective immediately. This is my right per the Fair Credit reporting Act to request this ( FCRA ). ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consu be inaccurate or incomplete or can not be verified, the consumer reporting agency snall. ( 1 prompty delete that item of Information from the file of the consumer, or modify that item of information. as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the modified or deleted from the file of the consumer. I'm asking that you delete these inaccurate accounts on my credit report and send me an updated copy of this report in 15 days. Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : XXXX XXXXXXXX : delete account immediately, Account name : XXXX  XXXX Account XXXX Balance {$600.00}, Account Name : XXXX  XXXX account number XXXX Balance {$1000.00}
Consumer complaint received 2023-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 1st 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 ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX