davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-17
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. (LA)

I previously sent proof of an identity theft to all credit reporting agencies and also received word from XXXX Bank that they were contacting XXXX, XXXX, and Experian to let them know that ai closed my account in good standing yet XXXX  and Experian refuse to remove items that ARE NOT MINE AND ARE NOT DEROGATORY!!
Consumer complaint received 2021-04-16
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. (OH)

This is my SECOND DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act XXXX FRCA XXXX, section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : - XXXX XXXXXXXX XXXX # XXXXXXXX XXXX  XXXX # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-17
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. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2021-04-16
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)

I am a victim of identity theft and continuing to try to remedy the effects. There is a fraudulent account from XXXX in the amount of {$1000.00} reporting on my credit. This is a fraudulent account.
Consumer complaint received 2018-06-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

PennyMac has continued to misapply my monthly mortgage payment despite explicit instructions on how to allocate the monies. More recently they paid {$1500.00} to XXXX XXXX XXXX for my homeowner 's insurance. The premium is {$1400.00}. PennyMac 's negligence has resulted in an over payment of {$74.00}.
Consumer complaint received 2022-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

I am XXXX XXXX XXXX and I have a complaint about the inaccurate and damaging information on my account. I have a loan with LOANCARE LLC with the account number XXXX and I have always made my payments on time. For some reason I realized that there was a late payment on my credit report even it clearly states it is PAID. As you can see, I have a 0 balance on this account and always had a stellar payment record with this company. I already tried contacting XXXX, XXXX, XXXX and LOANCARE LLC with no successful resolution. There was definitely an error on their part. Please remove this account.
Consumer complaint received 2021-04-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my paypal account is XXXX XXXX
Consumer complaint received 2023-06-13
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. (TX)

Due to an XXXX data breach my personal identity was compromised and thus, stolen and use in a number of fraudulent ways. As a result, I have a large number of fraudulent accounts being negatively reported the three primary credit reporting agencies. I have done nearly everything in my power to have the information removed and/or corrected on my credit report. However, the big businesses ( XXXX, Transunion and XXXX ) have totally ignored the law as it relates to their responsibility to ensure that the federal laws are being followed when reporting consumers information. Much of what they are reporting on my behalf is either totally wrong, fraudulent or a violation of federal law that clearly indicate what can be reported and how it should be reported. After, numerous attempts to have the above agencies correct all that is in error on my credit report they have refused to follow the federal laws that govern how they do business. Thus, leaving me and my family in a unjust situation when it comes to living the American Dream. My request is that the credit agencies investigate as they should and not just return a response of account validated. Given the fact that once your identity has been stolen or compromised the individuals committing the fraud has all of your information. Therefore, the account may appear to be valid. However, if they do not validate my personal signature and present a signed contract, they have no way of truly validating the said information. Therefore, I humbly request that you assure that the credit reporting agencies are providing the fairest service that will ensure that my credit file is being report correctly without the said fraudulent information and ignorance of federal law. 

XXXX XXXX XXXX
Consumer complaint received 2023-02-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (GA)

I had an debt opened on my credit XX/XX/XXXX for {$4100.00} the original creditors name is XXXX XXXX XXXX but it was sold to NATIONAL CREDITORS SYSTEMS. I have disputed this debt XX/XX/XXXX stating, I am requesting the original purchase agreement that shows you are the legal owner of this alleged debt, please include all terms and conditions in this purchase agreement and the completion date of this dispute was to be XX/XX/XXXX I've had no response on it or completion and it is still impacting my credit, I would like this removed from my credit as it was filed fraudulently because I don't owe anything to this company and have not received any documents or notices of a debt.
Consumer complaint received 2023-05-29
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: ADIR INTERNATIONAL LLC (CA)

XXXX XXXX account # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Re : Disputing error [ s ] on credit report Dear [ XXXX ], I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : o Im the victim of identity theft and I dont recognize one or more of the accounts on my report. [ You may wish to include a copy of the FTC identity theft affidavit describing the identity theft.

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-27
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. (TX)

According to my research, your company may not include in a consumer credit report any adverse, inaccurate, or unverified information without physically verification and valid to be 100 % truthful accurate, timely, complete, current, and compliant to prove now or delete this unverified information immediately. I am requesting that these accounts be deleted. 

XXXX XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX -UNVERIFIED ACCUNT XXXX XXXX XXXXXXXX XXXX XXXX-UNVERFIED ACCOUNT XXXX XXXX XXXX- UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing again about the violation of rights under Federal law against XXXX, Transuinion and XXXX. If these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.
Consumer complaint received 2021-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credence Resource Management, LLC (CA)

I called credence on XX/XX/XXXX. I stated I filed chapter XXXX and was discharged on XX/XX/XXXX and its almost been a year I dont know why they have not informed the other company and took it off. The rep stated that they have not heard back from my lawyer or judge to confirm but its in there system for chapter XXXX. It felt kind of odd because when I call debt collector they ask me for the the date and discharge number which I give them. It takes normally a couple of days or a week before it is removed.
Consumer complaint received 2021-04-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MoneyLion Inc. (NY)

Someone opened an account/loan with Moneylion in my name for {$500.00}. I did not open this account - I had never heard of Moneylion until it showed up on my credit report this month.
Consumer complaint received 2023-05-02
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-04-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Atlanticus Services Corporation (TN)

Originally, I set this account up in XXXX, and automatic payments were coming out until XX/XX/XXXX, when they stopped. They were sending bills to another home that I have and should have been sending them to XXXX XXXX XXXX, the home that I had the security system from XXXX set up in and the address that bill belongs to. I received late notifications to my home in XXXX, TN, and was unaware that this account had gone delinquent. When I called on Thursday, XX/XX/XXXX, to express that I was agitated and demanded that they reopen my closed account, return my late fees and update all three of my credit reports to reflect current and never late. I received an email today, XXXX, that returned {$78.00} to me in late fees, though I believe that I am owed more than that.
Consumer complaint received 2021-04-16
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. (AZ)

I submitted documentation that I have been a victim of identity theft. There are items on my credit report showing that I did not authorize, I have asked that these items be removed and they are still reporting.
Consumer complaint received 2021-04-17
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. (FL)

I have submitted several letters to the 3 credit bureaus informing them of inaccurate information on my credit report. My student loans status are current and in good standing but the bureaus continue to report negative. I have accounts that are not mines reporting and inaccuracies on my report.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have inquiries on my Transunion credit report that I did not apply for or authorize. I have put a freeze & fraud alert on my credit report but was told to contact the Federal Trade Commission to have the following inquiries removed : XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

today XX/XX/XXXX i contacted transunon i explained the situation about XXXX  XXXX which i previously reported to you an they just said didnt pay basically ..and it was closed excuse me if i sound frustrated but if i win in court why do you and the reporting agencies go against the court showing they dismissed it in court. it should have been removed from my report in XXXX i submitted papers to you XXXX XXXX  has kept this account open an showing delinquent until i disputed it.this is fraud in its finest form.to lie to the reporting agencies.if i lie its a crime of some sort. i need to have this removed from my report and action should be taken to the next level.it shows the deciet of a big corporation that may have members sitting on the transunion board of directors.I would like to have someone investigate this as to why you allowed this to stand with me providing documentation just because they wrote back i won the judge said i won winning is winning if you look back you will see i proved i won but the letter in return from capital one mentions nothing of the sort i read it .this account is XXXX XXXX years old but until i disputed it in XXXX of XXXX it was held open after many disputes now the last update was closed an in essence ive been bullied by a big corporation, that i won in court my complaint is with all three credit reporting agencies.they only work for the big corporations not the citizens..
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

I signed up for the American Express XXXX XXXX based on a specific offer that was sent to me for {$200.00} when I spend {$2000.00}. This was the only reason I got the card. I have never had the card before. I spent {$2000.00} on it. I just chatted a customer service rep, XXXX, ( XX/XX/2022 ) and he claims that I " denied '' the intro bonus, which is simply not true. I have never received ANY notice whatsoever that I would not get the bonus and I signed up specifically based on the bonus. I would never have used the card or agreed to it without this bonus. His " remedy '' is to submit a report that would take 6-8 weeks to resolve. This is an unacceptable remedy to this situation. I submitted a complaint with the XXXX XXXX XXXX and an American Express representative ( named XXXX ) did contact me but DID NOT offer any resolution and furthermore was rude. She claimed that because American Express included fine print in its agreements that give it the power to terminate any offer, it has the ability to exercise that at any time -- a WARNING to all customers seeking American Express credit cards that they can and will randomly NOT HONOR their agreements per their discretion. These actions seem fraudulent to me that a company would coerce consumers into agreements with promises of bonus offers then NOT HONOR such agreements solely because they claim not to have to based on the fine print in their contracts. BEWARE AMERICAN EXPRESS CREDIT CARD OFFERS. I will be escalating this further with the XXXX, CFPB, and the media.
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NJ)

My name is XXXX XXXX. This bank opened a credit card account in my name. The XXXX XXXX XXXX XXXX XXXX card was sent to me, but never activated. I receiveda letter from XXXX that there was suspected fraud on my account and they asked for all of my personal data. I ignored that letter. I receiveda bill for XXXX $ + in charges the next month. I have called the number for the bank and I am on hold for XXXX hour each time withno ability to talk to anyone. This bank is a scam. Please contact them to resolve this issue. Thank you and Please advise.
Consumer complaint received 2021-04-17
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: Resurgent Capital Services L.P. (WI)

I wrote XXXX starting in XX/XX/XXXX about a Collection company Lvnv reporting on my credit and ask to have it removed. As a result they did not remove it saying that it is mine. However, I wrote to all three credit companies and two of them XXXX and XXXX did remove it and then Lvnv tried to place it back on my report after it had been removed I reported it to them and they removed it again. So I wrote XXXX again and again and ask them to verify it and they did not but still has not removed it. I also wrote the company as of XX/XX/XXXX and they could not or did not verified they sent me a statement from the original creditor without any type of signature of mine. So as of now I have wrote back to them asking them to provide evidence that this is my account bearing my signature and let them know that what they sent to me for verification is not FCRA proof for what they sent is a statement letter from the original creditor and asked for immediately removal as of now has not complied or reported to XXXX that I am disputing these accounts. Not only that XXXX has allowed them to reopen this file on my credit report which was showing closed when originally disputed. Also it shows an inaccurate date, past due date, wrong high balance from when it was originally reported and a inaccurate date of last activity and is missing information and the account numbers have been changed several times and so has the addresses. This is my second step before I file a small claims against XXXX and Lvnv. All my disputes have been sent certified mail and I have all the copies, accept the one I sent through XXXX XXXX. This is damaging to my credit profile and as a result I am unable to receive a mortgage loan without this being removed off my credit report and they ( XXXX and Lvnv ) have left me no choice but to take action.
Consumer complaint received 2021-04-17
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)

I have submit a dispute letter to the 3 credit bureaus informing of inaccuracies on my report on inquiries I did not authorize, inaccurate accounts that are closed and continue to report on my report. Medical Collections that I have no knowledge of. These negative information are hurting my credit score and I asked for investigation with no response.
Consumer complaint received 2023-03-06
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: EQUIFAX, INC. (CA)

Consider this as my follow-up 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 accounts 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. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1600.00}
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submit a dispute letter to the 3 credit bureaus informing of inaccuracies on my report on inquiries I did not authorize, inaccurate accounts that are closed and continue to report on my report. Medical Collections that I have no knowledge of. These negative information are hurting my credit score and I asked for investigation with no response.