davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-06
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. (CT)

I have an account on my credit report that does not belong to me. My information was obtained under false pretenses.That is fraud. There is also a name and address that needs to be removed and there are unauthorized inquiries as well. I reached out to the company and I've been waiting for a response. Also there was an alert on my credit report that said on XX/XX/XXXX I opened up an account with XXXX XXXX XXXX, I opened no such account, this is fraud. I contacted the bank and they said someone in Michigan opened up a business account with my social. I made a complaint online and will be going to the bank tomorrow to make a formal complaint. These fraudulent accounts and inquiries have affected my credit report in a negative way and my credit score has been affected in a negative way as well. These accounts do not belong to me and the information they have provided has not been properly verified. This is fraud as well. If they respond saying that these accounts were verified. I would like to know how they verified these accounts. How my information was obtained. I would also like to know the name of the person who verified the information along with the the company who furnished the information to the credit bureau and legal action will be taken at that point. This is my second complaint and attempt to rectify the situation and nothing has been done. I made a complaint and that complaint was sent to the creditor and they took my address off of the complaint and updated it in their file. They were allowed to steal my address and update their information because they never had it. I have no lien against me nor have I been to court or had a judgement placed against me for any reason, so this harassment and this falsely verified account is illegal.
Consumer complaint received 2015-08-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NJ)

On XXXX XXXX 2015 I sent disputes to Equifax regarding several unknown medical collections on my credit report including XXXX that appeared to be a duplicate. I contacted the collection agencies for validation, per Equifax 's instruction after receiving results that Equifax verified all collections. 

XXXX of the collection agencies that has XXXX unknown medical collections on my credit report are both unknown and unverifiable as the address listed on my Equifax credit report is not a valid address. 

The other collection agency that has XXXX unknown medical collections did not provide validation as requested either after receiving my disputes and request for validation. 

On XXXX XXXX 2015, I re-disputed the same collections with Equifax and sent proof that the XXXX collection agencies address was not a valid address, and that I sent the other collection agency a request for validation, Equifax once again verified all of the collections and refused to properly investigate which is violation of the FCRA and the XXXX. These entries are my credit report have affected my approval for a mortgage and are damaging to my credit report. 

I am requesting Equifax delete these collections as they have NOT properly investigated nor have the collection agencies provided validation. Attached is the proof from the XXXX collection agency who 's mail was returned. 

Thank you, XXXX XXXX
Consumer complaint received 2023-06-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Phoenix Financial Services LLC (MI)

On XX/XX/XXXX I received a bill/letter from Phoenix financial services stating that they were a debt collector trying to collect on a medical bill. I received this letter on XX/XX/XXXX in which according to the letter I had a certain amount of time to respond on which I did with the following. Dear Phoenix financial services I would like you to send me any and all information about this debt. Name of original creditor, the original amount due, etc. The amounts they say I owe are not matching. What I mean by that is the original letter had different amounts. When speaking to a rep when I received the first letter, person name was XXXX XXXX said they were willing to settle for a little over $ XXXXfor both bills. 
I received their itemized letter XX/XX/XXXX it's not itemized. What they are trying to collect on is a XXXX year old ambulance bill the date XX/XX/XXXX. 
It was from a car accident which my insurance company covered. My insurance agent has all this information also and they are also looking into it
Consumer complaint received 2020-06-15
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. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2023-05-28
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. (NM)

I just got my credit report after almost 2 years of not monitoring my report after getting calls by collections agencies asking me for my informations to verify a debt, which I refused to do and then checked my report. I have been a victim of identity theft and had fraud alerts placed on my reports 2-3 years ago YET some accounts have still been opened. 
Not just that they refused to removed addresses Ive never been associated with or like at AND XXXX has a ssn on my profile that isnt mine and REFUSES to remove it. 2 years ago I had them remove it by disputing it, I sent in a copy of my DL, a picture of my ssn etc and they told me it will be removed. They never did! They I called to let them know that XXXX XXXX Cant even generate my score because of mix match files on my report ( the ssn ) and they had the nerves to tell me nothing is wrong with my credit file and they can send me by mail my credit report. XXXX?!? I need to acces my credit report online! I dont pay {$29.00} to have to call you and request my credit report. I have been unable to open a checking account with XXXX XXXX even though I have a savings account with them because they uses XXXX and couldnt access my report. Again XXXX was no help. This is my last attempt before I lawyer up and sue them.
Consumer complaint received 2020-04-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2016-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (IA)

On XXXX/XXXX/2015, I filed a complaint with CFPB against Equifax ( RE : XXXX balance of {$11000.00} ) The dispute # XXXX. 
On XXXX/XXXX/2015, I received confirmation that Equifax agreed and complied to my resolution request to change the XXXX balance owed to {$0.00}. ( XXXX ). 
But, within 2 months, Equifax changed the balance back to the original amount. So, I filed a dispute on their action to report the original balance. to no avail! Equifax apparently is not going to honor the resolution they agreed to. 
I am submitting the CFPB complaint, Equifax response, Equifax dispute results ( XXXX ) and credit report info ( XXXX ) - all reflecting dates and balances. 
I am asking for any assistance you can give to help me resolve this situation, again! 
As, XXXX Bank chose to file a XXXX, cancellation of debt - I am no longer liable for this debt. 
So, I am asking that Equifax permanently delete, not only, the balance of {$11000.00}, but, also, permanently delete the XXXX Bank account from my credit report. 
" and not add it back on in a few months! '' Thank you.
Consumer complaint received 2022-09-16
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. (FL)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-03-01
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (AZ)

I was allegedly loaned {$110000.00} to purchase my home @ XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX by XXXX home loans. This alleged debt was subsequently was sold to Shellpoint Mortgage company. It is being serviced by NewRez. It has come to my attention that these companies never actually loaned me money, but they created money by using my credit. Since they used my credit without disclosing they were doing such. I never gave them authority to change my promissory note into money. The loan was funded by myself. The fact is there HAS NOT been any real " money of account '' since XXXX, when HJR-92 WAS PASSED ON XX/XX/XXXX. The promissory note I signed is based on NON-DISCLOSURE which voids any contract NON-DISCLOSURE LISTED AS FOLLOWS ... 1. Lack of consideration ; all contracts must have consideration to be valid. 2. NON-DISCLOSURE of the use of the promissory note and signature I was not told that the note would be used to open an account in my name to monetize the note I signed.3. I was not told about the process of monetizing a security interest. 4. NON-DISCLOSURE of the banks relationship to the trustee and beneficiary. Most banks own and control the trustee and beneficiary. This is illegal and a conflict of interest. This makes the note in it's present form VOID. 5. NON-DISCLOSURE of the bank 's lack of authority to foreclose. When I signed the note it was guaranteed by the Department of Veterans Affairs. The bank can not foreclose is no commissioner has been appointed by the VA to oversee the foreclosure. 6. FORGERY of the document I gave the bank for safekeeping. When the bank alters my promissory note in ANY WAY, it is an act of forgery. A simple " for deposit only '' on the back of the note is an act of FORGERY.
Consumer complaint received 2020-06-15
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: Harley Davidson Financial Services Inc (CT)

XXXX XXXX company is reporting XXXX late account # XXXX loan opened XXXX and paid off, they will not remove XXXX late its been over XXXX years. I have hired XXXX XXXX to remove it and they told me I must file this report. Its way over the statute of limitations. 

This XXXX XXXX loan was on XXXX and XXXX XXXX names Thank you
Consumer complaint received 2023-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (TX)

My identity was stolen and used for fraudulent accounts. XXXX XXXX XXXX Account number XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX Account number XXXX Balance {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account number XXXX Balance {$2000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account number XXXX Balance {$4700.00} FTC Report Number XXXX
Consumer complaint received 2020-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (TN)

There is a attempt to collect {$350.00} credit report update XX/XX/XXXX as collection/charge off this a collection agency. They say the original account was opened in XXXX. There is no reflection of this account on my credit report prior to there claim to collect. Other then this charge I have zero negatives on my credit report. They have not provided me with the original account information where the account was opened and it has also reached the term limits for Tennessee law to collect this debt. I would like this negative removed immediately from my credit report.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score oveXXXX XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to you regarding a fraudulent account that has appeared on my credit report. It has come to my attention that there is an account listed under my name that I have not authorized or opened. This is a clear violation of my rights as a consumer and is causing significant distress and inconvenience. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: TRUIST FINANCIAL CORPORATION (AL)

On XX/XX/2020 I opened SunTrust Checking and Savings accounts online and promptly followed up with applications for a Prime Rewards MasterCard ( Application ID : XXXX ), which was immediately approved for a credit line of {$2000.00}, and a Cash Rewards MasterCard that was declined ( supposedly because only one application can be approved at a time ; Application ID : XXXX ). Although the Card that was approved ( last 4 digits : XXXX ) showed up in my online account immediately, it was not very long afterward that it vanished and I was presented with vast assortment of misinformation over the course of the past week -- including being told on XX/XX/2020 by the Credit Card Underwriting Department that my Card had been stolen and later being told by the Credit Card Fraud Department ( reaffirmed this past Friday ) that a replacement Card had been ordered -- before being informed today ( by a representative who claimed that no supervisors were available ) that my information could not be verified and that I would need to bring my identification into a local SunTrust branch before the approval process could move forward.
Consumer complaint received 2020-06-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Regional Management Corporation (TX)

I received a loan offer in the mail for a company called Regional Finance Corporation of Texas. The single worst evidence of predatory lending I've ever seen in my life. In these uncertain times with millions of people out of work it made me angry enough to take the time to report these scumbags. 

A {$1400.00} check at the bottom of the page. A real check, all you have to do is deposit it, which I am pretty sure is, or at least was, illegal. I wasn't about to take a loan from some random company, but there are people out there desperate enough to do so. Out of curiosity about what I was sure was ridiculously high 30-something percent interest rate I flipped it over. 69.99 % APR!!!!! Plus {$890.00} in processing fees!!! That comes out to repaying the loan to the tune of {$3200.00}!!! How is this not wholly illegal! I'm disgusted by the rank greed of these people trying to take advantage of struggling Americans in this time of national crisis. Please take action against these terrible people. 
Here is the contact info for the company. 

Regional Finance Corporation of Texas XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-05-25
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: Experian Information Solutions Inc. (TN)

I WAS AT THE BANK LOOKING TO BUY A HOME WHEN THE BANKER LET ME KNOW THAT I HAD ACCOUNTS, ADDRESSES, AND NAMES ON MY CREDIT REPORT THAT WAS NOT MY DOING THESE ITEMS ARE HURTING ME FROM BUYING A NEW HOUSE FOR MY FAMILY AND STOPPING MY BUSINESS.
Consumer complaint received 2022-10-04
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)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

In the summer of 2018 I received an email from USAA, my credit card company stating there had been a change completed to my account. Once I logged on, the company had reduced my credit limit from {$18000.00} to {$2500.00}. They said they ran a random check of my credit report and lowered based on the score. Now, this is not a brand new card. I've had and used this credit card my entire adult life ... Well over 30 years. I never have had my credit lowered by any company. In addition, I know I had taken a hit on my credit score so I wanted to improve my income to debt ratio. I paid off my entire balance with USAA in 2018. My balance was approximately {$14000.00}. Due to the company lowering my credit limit, it lowered my credit score drastically. Thus, as I have been actively working to improve my credit score, USAA continues to thwart my efforts by lowering my credit limit. It completely affected my income to debt ratio, which is why I paid off the debt completely. I could still be running a balance with USAA and they would not have touched my credit limit. 

I believe USAA is manipulating it's credit to it's members. I had USAA for my homeowners insurance and I dropped their coverage. Shortly after this, they lowered my credit limit. 

Since my credit limit was lowered by over {$15000.00}, I've had to work to try to improve my income to debt ratio. {$2500.00} was not much for me to use. I have newer cards where I was automatically given a {$5000.00} credit limit. Twice as much as USAA authorized for a 30 year member. It was improving my income to debt ratio. 

This weekend, USAA continues their deliberate attacks upon my credit again by lowering my credit limit to just {$500.00}. This time it is for non-use of the card. This is ridiculous. I've been with them for over 30 years. It's probably been close to a decade or longer where I had a late payment. I still have their auto insurance. My payments with my other accounts are on time. 

Actually, my payments to all of my accounts are listed as 99 % on time.