davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-24
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. (CA)

This is my several 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 ; 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
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

My student loan is being reported by two different loan companies that are reflecting identical amounts. The amounts are causing the balance of my student loan debt to double, which has negatively impacted my credit score tremendously. I understand XXXX is the new company to report the debt, however XXXX is still showing debt amounts. I am pleading for Experian to reflect the correct balance in my student loan debt. Please remove the duplicated amounts.
Consumer complaint received 2022-12-24
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: SYNCHRONY FINANCIAL (AR)

These are not my enquiries and are unauthorized XXXX  XXXX date : XX/XX/2022 XXXX XXXX XX/XX/2022. Synchrony Bank XX/XX/2022 2022
Consumer complaint received 2020-03-03
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. (MT)

In late XXXX and early XXXX of XXXX I shopped for a new car and asked the car dealers for loan information. On XX/XX/XXXX, 4 inquiries were made by car dealers about my credit status. On XX/XX/XXXX, 5 inquiries were made by car dealers. I later learned that the TransUnion Company dropped my credit rating 40 points as a result of these inquiries. At present TransUnion records show 9 inquiries dated between XX/XX/XXXX and XX/XX/XXXX. But the TransUnion website states " Lots of inquiries in a short amount of time can hurt credit scores but if youre comparing options for something like a car loan all of the inquiries made within 14 days may only count as one on your credit report. '' My inquiries were made within a 3-day period and should be reflected on my credit report as 1 instead of 9. I filed a formal request with TransUnion to  correct this error and TransUnion refused to make this correction -- without any explanation whatsoever -- in an unsigned letter ( file no. XXXX ) dated XX/XX/XXXX.
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

Experian has put a credit alert on my account. I have asked for it to be removed 5 times. They have also not updated my phone number as requested twice. My credit is on lockdown and I am suffering. I want the alert removed and number updated
Consumer complaint received 2023-06-10
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: Experian Information Solutions Inc. (IN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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
Consumer complaint received 2020-03-03
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

I received a phone call from IQ Data International at around XXXX XXXX on XX/XX/2019. I mentioned during the call I had not received an updated invoice for the amounts owed and that I wanted to see in writing an updated itemization because we had moved out. I informed the operator ( a female ) that I would promptly follow up upon receipt of the updated invoice. I even read to her correspondence from the original creditor where I specifically asked for an updated invoice but did not receive it. I explained I wanted to pay the correct amounts due. 

Nonetheless, the operator refused to send the updated invoice. She would only send it if I provided payment information. I told her I wanted to see the bill first to confirm it is accurate. During the course of the call, she began raising her voice. Not only that, but she made statements like " you're not going to pay '' and " we deal with people like you all the time. '' On the recorded line, I requested that all communication moving forward be made by written correspondence. I also informed the caller I was at work. She disregarded my requests and was shouting over me. 

There was no reason for hostility and my request was reasonable. The caller was unnecessarily rude, attacked me personally and was unwilling to heed my requests as required by law. I insisted I wanted to actually see a written invoice and that I would be in contact thereafter. The caller threatened she would, following the call, report me to the credit agency. At some point, I informed the caller that her company was subject to the Fair Debt Collection Act, yet she persisted with her aggressive and loud communication and her threats.
Consumer complaint received 2018-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MN)

I observed that there were unauthorized charges on my account XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX {$500.00} XX/XX/XXXX XXXX # XXXX XXXX MN XXXX {$500.00} I have not been credited for those charges and there is also a interest charge that I was charged for as a result of those unauthorized charges. 
XX/XX/XXXX INTEREST CHARGE ON PURCHASES {$810.00}
Consumer complaint received 2022-12-25
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. (IL)

According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No Financial institution is not suppose to share my information to third party people. 

These are clear violations of my Federally protected consumer rights.
Consumer complaint received 2020-03-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (PA)

I had a lease with Hyundai that ended in XX/XX/2019. I returned the car and everything was fine. I never heard from Hyundai again.. Then one day i get a phone call from a collector stating that i owe Hyundai {$430.00} for fees at the end of the lease. I immediately paid the amount they claim i owed. Then i went to apply for a mortgage and my credit score had dropped from an almost perfect 800+ score to a XXXX! I was extremely surprised and unaware why. When i looked into it, it was because Hyundai reported that i was 30 days late in XX/XX/2019, 60 days late in XX/XX/2019 and account Charged off in XX/XX/2019. I have NEVER been late on anything on my credit report EVER. Hyundai NEVER called me to let me know i was late or even owed them any money at all. I never got any bills in the mail from them either. This is not accurate information and is completely unacceptable.
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

I hope all is well, Im having trouble unfreezing my Experian credit report. It says its unfrozen but when this company tried to do a soft pull it wouldnt let them. Can you please fix the problem? I need to be able to unfreeze my credit report and to freeze it back. Thank you for your time. Have a wonderful day and please continue to be safe.
Consumer complaint received 2023-01-05
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-24
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: EQUIFAX, INC. (TX)

Wrong social security number on my consumer report with Equifax only, also all accounts on my Equifax consumer report are not mine. I have submitted a letter to Equifax on XX/XX/2022 and again on XX/XX/2022, also disputed online confirmation # XXXX, i submitted copy of D/L and SS card, still no change on my report and from what i can see my Equifax consumer report is inactive.
Consumer complaint received 2022-12-24
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: Experian Information Solutions Inc. (PA)

I was just notified that my credit card is several months past due. I had it set up for auto pay with XXXX XXXX. XXXX sold that card division to XXXX  XXXX  and My {$14.00} original purchase never got paid. Because the amount was so small and the bank was going through a conversion apparently it didn't get reported right away and was allowed to go several months past due and now is reporting on my credit as over 120 days late but this is the first i'm hearing about it from commenity bank and it never reported on my report as late before. I called in and spoke to a supervisor and he could see I had a perfect payment record before this happened. I paid the full amount while on the phone with him and he said to send a letter to the corporate office to see if they can have all those negative non payments removed and restore me to paid on time.
Consumer complaint received 2020-03-03
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open up fraudulent accounts. I pulled my credit and there was so many accounts that have been open or are open. Please remove these accounts from my report. They do not belong to me. 

XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$1300.00} XXXX/XXXX   XXXX {$1000.00}
Consumer complaint received 2022-12-24
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: EQUIFAX, INC. (KY)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have still items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. I am including those items mentioned above. 
Here it is : XXXX XXXX Balance : {$29000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (SC)

On XX/XX/2020 I sent a 3rd party debt validation letter to NCB Management Services Incorporated requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt is in the amount of {$2300.00} which is a fraudulent charge. By law pursuant to 15 U.S.C section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), NCB Management Services Incorporated has failed to validate this alleged debt. They have NO signed contract with my signature stating that I gave them ANY permission to access my credit reports which is a violation pursuant to 15 U.S.C section 1681b.
Consumer complaint received 2020-03-03
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. (KY)

I am trying to purchase a home and was notified of several accounts which are unfamiliar to me. I haven't checked my credit in a long time which is a mistake because someone has been using my identity to finance they're life! I am devastated by this news and need professional help getting this handled. All of the accounts listed in my report are fraudulent and were NOT authorized by me. Please help me get this corrected at your earliest convenience. Thank you.
Consumer complaint received 2020-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I have owned my home for 20 years. I am XXXX years old. The loan was originally a VA loan. It was then refinanced as an ARM pick a pay. It was sold from world to XXXX ( or XXXX to XXXX, then to XXXX XXXX and finally to Rushmore Loan Management where the biggest problems started. My interest rate when Rushmore bought it was,XXXX in XX/XX/19, then It Dropped to XXXX, then to XXXX. They started with monthly payments of {$1600.00}, they raised it to {$1700.00} in XXXX. Then {$1800.00} in XXXX which I couldnt pay yet. My interest rate drops and my monthly payment goes up. 

Their excuse is they want to catch up on amortization. I only owe about $ XXXX and the value of the house is over $ XXXX. I spoke to XXXX, a supervisor today to explain I cant pay yet. They cant send faxes. Their web sit is not fully Working. 

They asked me to mail them authorization to talk to you.
Consumer complaint received 2022-12-25
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)

I have attempted to contact this credit bureau on multiple occasions, unfortunately I have not received a response in regards to this matter. The following accounts do not pertain to my personal information nor my personal credit. This is a call for removal of the following accounts, 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 2022-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts 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 2020-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

When checking my Bank Of America checking account in XXXX in 2019 I noticed a {$50.00} withdraw at XXXX that I have not made. I contacted the BOA customer service to stop my card and send me a new XXXXne. I rechecked my account a couple of days later and I found out that before ever receiving or activating the new card, two charges appeared on my bank statement. A charge of {$800.00} from XXXX XXXX with {$3.00} charge and {$100.00} from XXXX XXXX ATM on XX/XX/2019. I contacted XXXX again to inform them that I have not received the new card and there are new charges that I have not made. The bank stated that they have sent my card to my address and was activated. I opened a new claim. A month later the bank denied to pay me the {$50.00} and {$900.00} and closed the two claims. Later I send BOA a letter requesting them to reinvestigate and open the two claims. I have also sent a police report for my lost card and the charges made. The bank again declined to pay me back my {$900.00} and closed the claim. They accepted to pay me back my {$50.00}. I spoke to BOA customer services more than three-times to request information about why they have declined to pay and what they have found during the investigation. I never got an answer to any of my questions, they state that they don't have permission to give me any details about what they found during investigations and told me that the person that made the withdrawal looks like me. They have accused me of stealing my own money. I am in the process of closing and withdrawing all my money from BOA checking and saving accounts well as closing my credit card. What should I do to get my money back?
Consumer complaint received 2022-02-26
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. (NY)

In XXXX of 2021, I verified with XXXX, the amount needed to pay off my balance. Proceeds from a XXXX debt consolidation loan were directly paid ( by XXXX ) to XXXX XXXX on behalf of my consumer account. In XXXX of 2021, I made an additional payment in the amount of " {$10.00} '' to cover the remaining interest due so as to alleviate my debt obligation to this creditor. I had no intention of making any new purchases on this account as my income is now limited due to a visual impairment and a host of other serious medical conditions which have rendered me " XXXX XXXX XXXX XXXXXXXX '' as recently designated by the Social Security Administration. I did not make any additional purchases nor did I authorize any additional charges to my XXXX credit account beyond the date of my final interest payment. Unbeknownst to me, in XXXX of 2021, XXXX, billed some type of fee in the amount of " {$21.00} '' to my " zero-balance/inactive account. Again, I had satisfied my total debt obligation to this creditor as of XX/XX/ 2021, and though I did not close out my account, I had absolutely no reason to believe that further charges and/or late fees would appear. Debt consolidation was done for the purpose of better managing my personal health, familial and financial obligations by limiting my consumer debt burden. Never once did I have any late-payment credit bureau reporting while carrying a balance with XXXX. I should not be penalized for choosing to pay off my account debt. As a person with XXXX  and other XXXX, this situation makes me feel especially vulnerable and thoroughly violated.