davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (WI)

I have contact the company every month since XX/XX/2018. I've asked them to supply me with documentation bearing my signature of a contract that we have for goods or services, and they have failed to do so. 

The company is claiming that I owe them {$1900.00}, which is untrue.
Consumer complaint received 2020-06-08
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)

Ive sent multiple disputes to the credit bureau via mail. I sent them all certified mail and I have return receipts. I have spent a lot of money just trying to communicate with them however they have not given me any help. I asked them for proof of verification and they havent responded to me at all. Its been well over 30 days and Im just trying to fix my credit so I can live a normal life. The accounts on my report are unverified.
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (MA)

XXXX  is still reporting information that they themselves told me they removed as fraud from my report on XX/XX/XXXX based on the dispute I opened and the FTC affidavit, Police report, and proof of identity I submitted. They state that since collection agencies purchased this information and opened these entries as new accounts - they are showing them. Even though they have retained the information that the Original Creditors and related accounts were deleted due to fraud. I submitted the exact same information to XXXX and they reinvestigated and immediately delete the information ( see attached ) I submitted my original dispute on XX/XX/XXXX and subsequent dispute on XX/XX/XXXX which I am attaching which has my detailed complaint. I also opened a complaint with you and you just closed it because they did a system review. This is wrong, they legal need to show proof that these accounts are mine and neither they nor the collection agency can show that proof - that is why XXXX had to delete the accounts in the first place. Please read my complete complaint attached and also review the documentation from XXXX that they deleted the collection agency 's information from my report. I also just received the same deletion information from XXXX as a result of Credit Dispute # XXXX
Consumer complaint received 2019-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately
Consumer complaint received 2020-06-08
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. (VA)

On XX/XX/XXXX I sent letters to the following companies about a car that was repossessed in state of Virginia on about XX/XX/XXXX. Which showed on my credit with a balanced of $ XXXX.The letters that I wrote along with documents showing that someone was using my SSN from XX/XX/XXXX to XX/XX/XXXX to acquire jobs, loans and credit cards. I ask the following companies to take this fraudulent information off my credit report by verifying it was me who applied and sign for these items. All other accounts were deleted accepted the repossession of the car : I wrote to the following companies told them to delete this off my credit there saying it still me without true verification. These are the companies that I have wrote they refused : XXXX XXXX XXXX wrote them on XX/XX/XXXX ; XX/XX/XXXX no responds. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX wrote them on XX/XX/XXXX no respond but they had been known for letting people get away with Identitiy theft people using other people ID from some reports. Business is closed down.r Wrote to all 3 credit bureau on XXXX they saying it was verified without sending me any documents. 
.
Consumer complaint received 2020-06-08
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: Experian Information Solutions Inc. (LA)

I decided to get my credit pulled due to a couple of bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX {$300.00} XXXX   XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX   XXXX XXXX XXXX {$920.00} XXXX  XXXX XXXX  XXXX {$750.00}
Consumer complaint received 2021-11-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: ENOVA INTERNATIONAL, INC. (TN)

Cash Net USA drafted my payment on the wrong day so that the could charge me an NSF fee. I get paid bi-weekly on Thursdays and they drafted my bank on Wednesday on purpose in order to collect a {$32.00} NSF fee. I have called and spoke with reps and I have sent multiple e-mails telling them to correct the issue.
Consumer complaint received 2020-06-08
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (OH)

Today, XX/XX/2020, I went online to the XXXX XXXX XXXX site to make an on-line purchase. I made my clothing selections, then proceeded to make the purchase with my already existing XXXX XXXX card. I placed the order and received a confirmation. Within 2 minutes of placing the order, I received an alert from my credit report monitoring service that an inquiry to my XXXX credit report had been blocked. I have all my credit reports blocked. I researched to see who was making an inquiry as I had not requested any credit cards or any other financial products necessitating a credit report inquiry. I found out that Comenity Bank Capital/XXXX had their inquiry blocked. I did not request a credit card from them nor was I aware of any permissions given to them to access my credit report. I first called XXXX XXXX  and asked why my credit report was being accessed. That person had no idea. I then called Comenity Bank as I was afraid of a potential fraudulent attempt to setup credit under my name. Comenity Bank account protection person stated that no application had been processed by them. I then called XXXX  XXXX who monitors my credit and told them about this. I was informed that they had received numerous complaints from people about different companies, such as Wayfair and XXXX XXXX and others, who apparently are accessing people 's credit reports and then sending them approval letters stating that their request for credit has been approved. I did not request any credit approval from XXXX XXXX nor from Comenity Bank. I was totally unaware of and did not knowingly give my permission to Comenity Bank or XXXX XXXX  to make an inquiry into my credit worthiness. If there is some fine print on their website which is giving this bank permission to request credit information, then this, I believe is an Unfair Business Practice. Luckily my credit reports are locked or I would have been hit with a hard inquiry that I had not requested and had no knowledge of. This practice needs to be looked into and stopped as it can damage people 's credit without them being aware of it.
Consumer complaint received 2020-06-08
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. (LA)

I decided to get my credit pulled due to a couple of bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX {$300.00} XXXX   XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX   XXXX XXXX XXXX {$920.00} XXXX  XXXX XXXX  XXXX {$750.00}
Consumer complaint received 2024-04-07
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (WI)

I have a {$50.00} gift card from XXXX I haven't been able to use it at any store so far ( XXXX, grocery stores, etc. ). When I attempted to rectify this by contacting the company, they asked that I verify my identity by faxing my SSN, photo and drivers license. It is ridiculous to ask for this sensitive information in such a insecure manner.
Consumer complaint received 2023-01-23
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: Lockhart, Morris & Montgomery Inc. (FL)

I Reached out to the creditor to have the fraudulent inquiries removed. I have never applied for any lines of credit or gave anyone authorization to obtain any lines of credit on my behalf. and they notified me that the information was sent over to the credit bureaus to be removed and its been well over XXXX days and I have yet to receive and update for removal from my credit report.
Consumer complaint received 2023-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently reviewed a copy of my credit report and noticed the following information regarding inquiries be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit ( 2 ) Insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from the Fair Credit Reporting Act. 

XXXX XXXX XXXX ( XXXX ) XX/XX/2023 XXXX XXXX XXXX ( XXXX ) XX/XX/2023 XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX XXXX ( Auto ) XX/XX/2023 XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX  ( Finance ) XX/XX/2023 XXXX
Consumer complaint received 2021-11-11
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2023-01-23
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)

I Reached out to the creditor to have the fraudulent inquiries removed. I have never applied for any lines of credit or gave anyone authorization to obtain any lines of credit on my behalf. and they notified me that the information was sent over to the credit bureaus to be removed and its been well over XXXX days and I have yet to receive and update for removal from my credit report.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc (CA)

HI Someone made a loans in my name from the company XXXX AFFIRM INC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-08
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. (GA)

Both XXXX and Transunion are in violation of the FCRA section 609, advising that verifiable proof must be provided when requested if consumer is disputing the accuracy of information listed. I have sent several disputes the latest being sent XX/XX/XXXX via certified mail asking them to abide by the laws and show proof of a Chapter XXXX Bankruptcy listed. I sent in proof from the XXXX Georgia Bankruptcy court that they do not provide any information or verification to any credit bureaus. I also contacted XXXX XXXX and confirmed there is a freeze currently in place that prevents ANY third party from obtaining any credit or financial information, including public records. The notice I received from bothXXXX and Transunion on XX/XX/XXXX states that they verified this information with Lexis nexis and that is not true ( see screenshots from Lexis nexis ).
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Hello, I opened a Dispute with Equifax and XXXX credit bureaus about 2 collection accounts reporting the same collection item on my credit. I was wanting them to verify heat to account and get an understanding of how two collection agencies ( 1.XXXX XXXX acct # XXXX 2.XXXX XXXX account # XXXX ) can be reporting and looking to collect on this item. This is double jeopardy according to the Fair Credit Reporting Act and these accounts are supposed to be deleted. It's been over 30 days and I have not received a response from the credit bureau at all. I am asking the cfpb to step in and help me get an understanding of how 2 collection agencies can report the same item on my credit report and according to the Fair Credit Reporting Act after 30 days both are supposed to be deleted, and they are supposed to be deleted because this is double jeopardy. Please help me with this situation!
Consumer complaint received 2023-01-23
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I Reached out to the creditor to have the fraudulent inquiries removed. I have never applied for any lines of credit or gave anyone authorization to obtain any lines of credit on my behalf. and they notified me that the information was sent over to the credit bureaus to be removed and its been well over XXXX days and I have yet to receive and update for removal from my credit report.
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (MD)

XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from CREDIT ACCEPTANCE located at XXXX XXXX XXXX XXXX, MI XXXX showed on my XXXX  credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2020-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (PA)

After reviewing my credit report there are several American express accounts that have been opened in my name without my knowledge. I have written your company a letter disputing these accounts along with several unsuccessful disputes with XXXX and XXXX. Usually I get a very wordy dispute response back that doesnt make sense and it remains on my credit report. Please remove all of these accounts from my credit report. My personal american express card that I have had since 2003 was closed due to this. At the time it had a perfect credit history and a XXXX balance. I also used to have a perfect credit score which is now around 555. I can not take out a car loan and I've had other lines of credit closed as a result of these derogatory remarks on my credit report. I have been the victim of identity theft due to numerous unauthorized credit cards and back accounts opened under my name. Certainly if you look at my credit report you will find that I have always make my payments on time.
Consumer complaint received 2022-10-05
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF accounts THAT I WANTED TO REMOVE ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00}.
Consumer complaint received 2019-12-22
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: General Motors Financial Company, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2018. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-11-11
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)

Someone seems to have access to my personal information and is trying to ruin my credit. InXX/XX/XXXX, a debt from XXXX XXXX appeared on my credit with a balance of {$7900.00}. this debt has no account number, just a po box and a phone number. I made several calls to them and have gotten nothing more than the classic run around. I have been unsuccessful in rectifying this problem. 

In XX/XX/XXXX, I was rerouted to a collection agency and spoke to a Mr. XXXX XXXX who informed me that I did not have an existing account with their agency and that whatever account it was is either closed or is not with their company. I recorded my conversation with Mr. XXXX XXXX since I kept getting the run around. I have his voice making the statement. 

Both companies are claiming to not have possession of this account so I don't know why it is on my credit report. I need this to be removed from my credit report immediately as this is causing me an enormous amount of stress. Please advise as I do not know what to do.
Consumer complaint received 2020-06-08
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX DUPLICATE ) ACCOUNT. 

THIS ACCOUNT SHOULD NOT BE A 120 DAYS LATE FOR XX/XX/2019. LOAN WAS IN FORBEARCE. 

THIS ITEM IS NOT VERIFIED. THIS ITEM IS UNVERIFABLE.. VIOLATION OF 609
Consumer complaint received 2019-12-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

Besides sending them numuries times of my pay stub as they requested and the either lost it or say they cant read as yet the court house already has all the records and this has been going on for far to long. And this all started as they lost the document many times. And the amounts they have increased the mortgage from its original amount over $120,000 and changed the amount of the original payment from XXXX  a month to over 1400 a month the have way to many fees for them doing there best to delay the entire process. I can't understand there math as some of there figures don't add up. As the keep changing the mortgage company an hit my credit many times with my even consent then charge me for it. And each time they use there lawyers they want I pay over $ 20,000 for each of 3 times. for their little time of work. They are over charging to make extra money for themselves and their lawyers. And then want over $80,000 to just reinstate the loan but even if I send any amount they will just take it an still sell  the home. Each time I've filed for a hardship help or modification they seem to have lost the paperwork or shred to by mistake.