davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-01
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. (NJ)

This is my six 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$7700.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (VA)

Money lion inc has been reporting delinquent payments months after the late payments. 
I fully paid off the loan on XX/XX/2019 and they are showing the account still past due to this day XX/XX/2019 and reported missed payments on XX/XX/XXXX and XX/XX/XXXX which caused my credit score to decrease significantly. This seems very unfair to me until I paid the account off the late payments were never reported. 
I contacted money lions support team and they stated that the system does this automatically and they have no control over the reporting nor would they attempt to help me. I asked to speak to the supervisor and never connected to them, and was told the supervisor would do nothing for me. 
They stated they can do nothing on their end and I would need to dispute this via XXXX  or XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX Balance {$7100.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$8700.00} XXXX XXXX XXXX Balance {$850.00} I am a federally protected consumer who is guaranteed rights and protections pursuant to the FCRA and FDCPA. I provided adequate notice to the Consumer Reporting Agencies ( Equifax, XXXX and XXXX ) that information in my consumer file that I the consumer has identified as information that resulted from an alleged identity theft pursuant to 15 U.S.C. 1681c-2 and provided all appropriate documents as requested. All furnishers of the identified information that resulted from alleged identity theft was on my credit report also received appropriate notice. The FCRA has Prohibition on Sale or Transfer of Debt Caused by Identity Theft pursuant to 15 U.S.C. 1681m ( f ) and 15 U.S.C. 1681s-2 ( a ) ( 6 ). The company has placed a account on my consumer report that was reported as a resulted of alleged identity theft evidence by an FTC identity theft report and a police report this incorporate as apart of this complaint. The Consumer reporting Agency also has a duty to notify me the consumer in written of the reinsertion of any previously deleted information from my consumer file no more than 5 business days after the reinsertion. I HAVE NOT BEEN NOTIFIED. There actions has result in me the consumer suffering embarrassment and emotional harm when i was denied an extension of credit due to your accounts been apart of my credit file.
Consumer complaint received 2022-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

We have received a Tax statement from County that taxes are not paid for XXXX. I have sent the tax statement on XX/XX/XXXX to Pennymac and they have not responded to my emails or phone calls. Called Customer Service for about XXXX times and it just sits on queue forever. No person to talk to. I have requested a call back and no one responds. 

I have sent emails dated XXXX. 

I would like to know the proof of any payments made and also have them contact the County and sort this out.
Consumer complaint received 2022-12-17
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXXt # XXXX XXXX and 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 2019-08-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have had a Bank of America Equity Line since XX/XX/2004. I have NEVER been late. I pay in a local branch each month. I was informed that my payment would be increasing. I stated that it is high. I was told that I could apply for a loan modification. I was sent paper work with a 3 month trial at a reduced payment. I paid this payment as instructed but was marked late thereby reducing my credit score. 

I called BOA and was told they could not remove the late. I then called again and spoke to 4 people of whom 3 were supervisors. Each one said that the late could not be removed. 

They referred to the frequently asked questions that accompanied the loan modification trial that states : Your score can be affected. 

No one told me nor did I see in writing that it would be reported late. 

BOA stated it is a risk that it could which leads me to believe not all customers are reported late during this trial period. 

Please note, I did NOT pay it late. I paid the trial period amount as instructed. I have never been late since it was opened in 2004. 

Thank you,
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Account : XXXXXXXX XXXX  Account # : XXXX Dates Associated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX When I called a representative kindly agreed to have these late payments removed from my account now that it has been paid in full and I have since been on time with all recent payments. 

This adverse information has been incorrectly added on my credit report. Please reinvestigate this matter and remove the negative payment history from my credit history. Thank you for your assistance.
Consumer complaint received 2022-06-01
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)

In XXXX of 2021 I disputed two fraudulent accounts that I noticed on my Experian credit report. I informed Experian that the XXXX and XXXX 's accounts on my credit report was fraud and that I paid and closed them and I wanted them deleted from credit file per 605B of the FCRA. I sent in my police report, dispute letter and Identification in support of request and as required. Experian still negligently denied my request. I also requested information and documentation the fraudsters could have used and Experian to deny my request. My request was made to Experian per section 609 15 U.S. Code 1681g and subject to section1681h ( a ) ( 1 ) asking for full disclosure of documents. Experian wrongly denied all request. This will be last good faith effort with Experian giving them opportunity to correct my credit report before seeking relief in court.
Consumer complaint received 2022-06-01
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)

This is my eleventh endeavor to tell the Credit Bureaus 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 a fraud or extortion. I need these items deleted : ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$870.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$4100.00} ; XXXX  XXXX Balance Owed : {$340.00} ; and XXXX XXXX Balance Owed : {$0.00}, as these items are the result of the Identity Theft .
Consumer complaint received 2022-06-01
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 eleventh endeavor to tell the Credit Bureaus 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 a fraud or extortion. I need these items deleted : ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$870.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$4100.00} ; XXXX  XXXX Balance Owed : {$340.00} ; and XXXX XXXX Balance Owed : {$0.00}, as these items are the result of the Identity Theft .
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (TX)

I filed bankruptcy XX/XX/2021 and it was discharged XX/XX/2021. MoneyLion Inc was included in the bankruptcy. They keep reporting the discharged account as a charge-off with a balance due of {$380.00} and the account updates as a charge off every month. I have disputed through multiple credit bureaus and MoneyLion Inc continues to verify this inaccurate information and it has remained on my credit report, hurting my report and score. I have received denials from credit card and loan companies stating that my last delinquency is too recent. What they are doing is illegal and a violation of my bankruptcy automatic stay as they continued reporting a charge off and balance after receiving notification of the bankruptcy filing and it is a violation of my bankruptcy discharge as I no longer owe the debt. The last time I disputed the information, I sent a copy of my bankruptcy petition showing the creditor was included in my bankruptcy and they still refused to remove the information.
Consumer complaint received 2022-06-01
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. (NC)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again : XXXX XXXX XXXX Balance : {$300.00} ; XXXX  XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$9800.00} ; XXXX  XXXX Balance : {$3700.00} ; XXXX XXXX XXXX  XXXX Balance : {$17000.00} ; XXXX XXXX Balance : {$160.00} ; XXXX XXXX Balance : {$4800.00} ; XXXX  XXXX Balance : {$9300.00} ; XXXX XXXX Balance : {$4800.00} ; XXXX XXXX Balance : {$5500.00} ; XXXX XXXX Balance : {$4800.00} ; XXXX XXXX Balance : {$7500.00} ; XXXX  XXXX Balance : {$4800.00} ; XXXX XXXXXXXX Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$6100.00} ; XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-12-17
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. (NY)

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.

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 instructons 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 vears.

15 U.S.C. 1681s-2 ( AX1 ) 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 2022-06-01
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 XXXX XXXX, and I am submitting this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Experian, and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and section 605b, and continued to report unverified information without providing any proof required by law. The Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. I need the following Inquiries to be removed as soon as possible : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; and XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-06-01
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. (NJ)

This is my six 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$7700.00} XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have opened a charge account with " XXXX Bank ''. it is NOT a credit card. But it supposed to report to the credit bureaus to improve the credit score, the reason why i applied for this account. But unlikely, it destroyed my credit score.

Because the Term " Balance '' in the credit card system means we as the consumer are owing some money to the creditor, which the higher, the more negative ; but when we come to the debit cards, the word " Balance '', means the money that is sitting in the customer account, which the higher, the more positive. 

So this account currently reporting the money that i have in my account, as a debt, as a " Balance '' under its negative definition as mentioned above. 
this is showing a high utilization on this account, which has dramatically decreased my credit score. I called the credit bureaus, and the bank several times. but seems that XXXX bank people are not familiar with the credit report system, and kept reporting my MONEY under the Balance Category instead of reporting it under the LIMIT category.
Consumer complaint received 2022-01-28
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Risecredit, LLC (TX)

I got a call from this company and I answered. No response. I call again and some talks to me about some loan I took out. I deny. He gives out my address talking about how they sent correspondence. They haven't. They say they will continue to call me. I never took out some loan with themXXXX is their number.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I've consistently made sure that payments on this account are on time, never allowing them to be overdue. I'm uncertain about the reasons for the late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/2023 ; XX/XX/2023 ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-06-24
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)

This is my 8th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (OH)

I recently completed a 26 month lease term 2 months of which were an approved lease extension. I learned as of XXXX that since XXXX. GM had my lease account listed as a total loss. I continued to make payments on time throughout these months due to me being unaware as my vehicle was NOT a total loss. Im the midst of this madness GM had not reported a payment to XXXX since XX/XX/XXXX and XXXX since XX/XX/XXXX. Once the vehicle was returned and the total loss issue was resolved after numerous phones calls, Gm then decide to update their monthly reporting with an incorrect balance. My lease was up as of XX/XX/XXXX but according to my XXXX and XXXX reports, I have not yet fulfilled my lease agreement! TransUnion is showing only 42 % of the balance and term have been completed and XXXX is showing something completely different. I contacted GM where I spoke with both reps and supervisors regarding this issue. The reps tried to tell me that the $ XXXX balance on my credit report were end of lease fees and unpaid balances. I advised her I could send her my payment history ( as o knew she had right in front of her ) to show her this was not right. I spoke with a supervisor who confirmed my end of lease invoice had not yet been generated which confirmed that this balance was not from those fees especially when the 2 reporting agencies have 2 different balances. I have since gotten a new vehicle from a different lender because I want to stir clear from GM. However, according to 2 of the 3 major credit reporting agencies, I have now 2 car loans that I am making installment payments on which aid affecting my credit worthiness due to debt to income ratio issues. The supervisor I spoke placed me on hold for an excess of 25 minutes, came back to the line and advised he now understood my issue and that a rep from the reporting department would contact me within 48 hours. It is now 10 days later and I have not received a call or update. I refuse to call customer service because I never get anywhere and the reps and sups are ALL unprofessional.