davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I am writing to dispute fraudulent activity on my credit report due to identity theft. Upon reviewing my credit report, I have discovered accounts and transactions that I did not authorize or initiate. It is evident that my personal information has been compromised, and I request your immediate assistance in resolving this matter.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

I HAVE A CREDIT CARD ACCOUNT THAT WENT INTO COLLECTIONS IN 2019 THAT HAS BEEN SOLD TO MIDLAND CREDIT. MIDLAND CREDIT IS REPORTING MY ACCOUNT AS COLLECTIONS ON MY CREDIT REPORT HOWEVER I HAVE AND HAVE OTHER ACCOUNTS THAT ARE OR WAS IN COLLECTIONS THAT DOES NOT REPORT AS COLLECTION BUT DOES REPORT AS A CLOSED ACCOUNT BY GRANTOR. 

I HAVE DISPUTED THE REPORTING AS I HAVE BEEN MAKING PAYMENTS ON THE DEBT SINCE THE ACCOUNT WAS OPENED BY MIDLAND CREDIT. 

THEY UPDATE THE ACCOUNT EACH MONTH WITH MY PAYMENTS HOWEVER IT SHOWS AS A COLLECTION ACCOUNT AND APPEARS TO BE NEW EACH MONTH CAUSING MY CREDIT SCORE TO SIGNIFICANTLY FALL EACH MONTH AND SHOWS AS A RED FLAG ON REPORTS INCLUDING XXXX XXXX AND XXXX. 

I HAVE CONTACTED MIDLAND SEVERAL TIMES ONLY TO BE ANSWERED BY A PERSON IN A FOREIGN COUNTRY WHO DOES NOT ANSWER MY QUESTION AND POINTS ME TO A CUSTOMER SERVICE DEPARTMENT IN THE US THAT IS " NEVER AVAILABLE '' EACH TIME THEY TRY AND TRANSFER. I WANT THEM TO REMOVE THE BLACK MARK AND HAVE HIT A BRICK WALL EACH TIME I DISPUTE THROUGH THE BUREAUS. 

PLEASE LET ME KNOW WHAT ELSE I MAY DO. 

THANK YOU XXXX XXXX XXXX
Consumer complaint received 2020-03-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TN)

Made a payment XX/XX/XXXX for {$480.00} told I had to make at least one payment.

I had been to them two weeks before and told they couldn't take a {$100.00} payment. 

XX/XX/XXXX paid {$150.00}. 
XX/XX/XXXX paid {$400.00} ( on the app ). 
XX/XX/XXXX paid {$110.00} ( on the app ) XX/XX/XXXX paid {$84.00} ( on the app ) I borrowed {$800.00} on XX/XX/XXXX to take care of excessive utility bills. 
I borrowed {$500.00} on XX/XX/XXXX and then {$1500.00} on XX/XX/XXXX. 

It appeared to be regular interest. Yes, I signed on the computer but didn't know about excessive fees. These loans are not meant to be paid off and trapped the consumer. I didn't have money to go to the grocery store because the manager told me they had to have a full payment. Now this Coronavirus stuff is going on.
Consumer complaint received 2022-12-31
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. (NV)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2020-03-14
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-03-14
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

IC Sustems Incorporated XX/XX/2020 {$310.00} That bill doesnt belong to me never made such spending and never used any credit from that company I have no idea why it stands on my report and I request urgent removal from my credit report Ive also tried to dispute through XXXXHowever I never received any email or mail regarding such bill.
Consumer complaint received 2020-03-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ONEMAIN FINANCE CORPORATION (FL)

I took out a personal loan in person with One Main Financial in XX/XX/2016. 36 month loan. Personal unsecured loan for {$2500.00}. They required me to have XXXX XXXX and XXXX. I lost my job XX/XX/2016, but continued to make the payment, after several months I became behind. I reached out to them several times in hopes of help. I asked about the XXXX XXXX, and they told me I didnt qualify, even though I had been paying for the product the entire time. I also signed the papers in person with an ink pen! Well XXXX of this year they took me to court to sue me for even more then the loan amount! My balance was {$1100.00}. They want to collect {$2700.00}. They are thieves! Not to mentions I was protected! Also they put in the court documents that it was a secured loan, which it wasnt, and that I signed it electronically, which so didnt, and my initials werent even correct on the loan documents. This company originally was Spring Leaf Financial. Its like they reproduced fake loan documents to take me to court to place a judgement against me for double what I owe them! This is robbery! And Fraud!
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Someone within the bureaus has gone into my accounts and changed the status from paid to closed without my consent. I have not sent a letter stating to close an account that was paid. no one would or could unless it is the consumer. I have my account status from the national student loan database that reflects the status of all of my accounts with correct dates and amounts. THEY ALL SHOW " PAID ''
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Account was fraud, see police report. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX show negative comments from victim of identity theft/Fraud, etc. Including each bureaus i.e. Trans Union, XXXX, and XXXX.
Consumer complaint received 2021-03-19
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ECMC GROUP, INC. (WI)

They started garnishing my wages without sending me anything at all and they have the wrong information for me it has me at XXXX XXXX XXXX I havent lived there in over 10 years
Consumer complaint received 2020-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TN)

Paypal charged me twice for the same credit card bill once on XX/XX/XXXX for {$790.00} and again on XXXX XXXX for {$790.00}. Customer service said I would receive a refund for the overcharge but I never got a refund. Paypal then locked my account and requires me to reset my password, but their online service is malfunctioning and won't let me reset my password. Then again on XX/XX/XXXX I tried to redeem over {$40.00} of cash-back rewards I earned from my monthly spending and their system said : " an error occurred, please try again. '' This error resulted in me losing the $ XXXX I rightfully was entitled to. My account now shows that I have no balance to redeem, and I wasn't credited any cashback to my account. I have tried to contact customer service multiple times, but they are not available to help. This is banking fraud, and they need to be held accountable. Paypal owes me over {$830.00}.
Consumer complaint received 2022-03-24
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 — Their investigation did not fix an error on your report
Company: United Shore Financial Services, LLC (CA)

My forbearance plan was over I called in for my options and they told me I was reported 180 late because I called after the forbearance plan was over. I called the month the plan was over. This makes no sense that they can missed up my credit when I was never late on anything. The servicing XXXX is uwm XXXX  XXXX  XXXX
Consumer complaint received 2020-03-14
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-03-19
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. (NC)

I have written the bureaus and they have not corrected the issues. I have multiple inquiries and have asked to to show proof of my signature requesting inquiry. If not they must remove from my report. 

here are the inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-14
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)

I RECENTLY PULLED A EXPERIAN CREDIT REPORT. ON THIS REPORT I NOTICE A COUPLE ITEMS THAT DON'T BELONG TO ME. MEDICAL ACCOUNT # : ( XXXX ) BALANCE : {$380.00} OPENED : XX/XX/XXXX, XXXX XXXX XXXX XXXX ACCOUNT # : XXXX ) BALANCE : {$1100.00} OPENED : XX/XX/XXXX. IN ADDITION TO THES ACCOUNTS THERE WHERE ALSO A HOST OF INQUIRIES THAT I DID NOT APPLY FOR OR AUTHORIZE ANYONE ELSE TO APPLY FOR OR USE MY CREDIT IN ANY SHAPE, FORM, OR FASHION. I AM A VICTIM OF IDENTITY THEFT AN NEED THESE ITEMS REMOVED FROM MY REPORT AS SOON AS POSSIBLE. 
INQUIRIES : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX   XXXX XXXX XXXX XXXX ( XX/XX/XXXX ).
Consumer complaint received 2022-03-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

XX/XX/2017 LVNV FUNSING LLC {$830.00} That bill doesnt belong to me never made such spending and never used any credit from that company I have no idea why it stands on my report and I request urgent removal from my credit report Ive also tried to dispute through XXXXHowever I never received any email or mail regarding such bill.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AK)

My credit card is used in the same manner negative or positive since I began the account, now they informed me there was a problem with a payment I made electronically late so they decided to close my account. My position is I have not done anything new on my account so I can only figure this is Covid-19 related. After receiving a fraud letter XX/XX/XXXX, I reached out to them for a remedy to get reinstated. I was informed to prove I had the funds in my account on the day the money transfer hit the bank. I want to point out this same matter occurred in the past without any punishment I want to know why has the company taken action against me.
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

TransUnion LLC XXXX. XXXX  XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX XXXX XXXX   XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

In XX/XX/XXXX, I paid for a BJ 's membership and when asked if I wanted a BJ 's master card - I specifically said No. However, a card was issued anyway. Once I received the card, I immediately canceled it. Despite the cancellation, I continued to received ongoing bills for annual fee and later on late fees. I contacted Comenity Bank on XX/XX/XXXX ; XX/XX/XXXX ; and again on XX/XX/XXXX and most recently on XXXX- a late fee of {$16.00}. I was told I have been credited the annual fee, however, I am still receiving a bill for late fees. I was told on XX/XX/XXXX By XXXX, that he would escalate my concern and the late would be removed. Although on XX/XX/XXXX, I received another bill for a late dated XX/XX/XXXX with a late fee of {$19.00}. I am requesting assistance with closing this matter permanently and all late fees removed.
Consumer complaint received 2021-03-19
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. (NC)

The Fair Credit Reporting Act states that negative information can not appear on one 's credit report for a period longer than 7 years. But despite that, XXXX continues to report an old negative account on my credit file. It has now been on my credit report for 7 years and 3 months. This account needs to be deleted immediately.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MONEY SOURCE, INC., THE (FL)

XXXX is listing my mortgage twice ... .all my credit cards ar enow closing my accounts because it shows false information of me having two mortgages. I want to sue either XXXX or the my mortgage furnisher for damages to my credit score and limits and balances. during corona im already having troubles now this ..
Consumer complaint received 2020-03-27
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. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was the last letters I can sent now I am force to hired an lawyer. 

I sent Dispute Letter and Cease and Decease Letter certified and notarized to XXXX Credit Bureau and Experian Credit Bureau reference to Discharged Ch-XXXX XXXX and Dismissed/Closed Ch XXXX XXXX are sealed records and they are purposely reporting them and have sent certified and also notarized letter from the bankruptcy court which do not report this information. I am constantly getting denied employment and credit loans due to this information hurting my chances of obtaining gainful employment. I have to XXXX children and custody of my XXXX nephews and take care of my XXXX mother. I am stress daily and making sure I can provide for my family. Please help me to rectify this situation per Fair Credit Reporting per 45 names I should have received something or the information needs to be deleted. I also ask them to remove incorrect names, old names and addresses, incorrect accounts, and inquiries and it has been over 2 years in dealing with these credit bureaus. I have not received any information pertaining to my request.