davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXX, XXXX, and Equifax are obligated by the FCRA to report accurate accounting. A charge off account from XXXX XXXX XXXX is reporting on my credit report. According to IRS publication 4681, if your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. In general, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. It is clearly stated in the publication that even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return A charge off is considered income by the IRS, and income is not supposed to be reported on my credit report. I never received my copy of the 1099-C. Also, according to 15 USC 1681 , I have the right to an accurate report across all reporting bureaus. This particular charge off account shows inaccuracy with all three bureaus. The information directly impairs the efficiency and credibility of the information being reported by the credit bureau.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

( 1 ) Experian credit report is showing that I applied to XXXX XXXX XXXX XXXX Companies - non specific Inquiry date : XX/XX/2021 I did not. Experian did not investigate this hard inquiry. Experian did not show any evidence that I authroized such inquiry. 

( 2 ) XXXX XXXX XXXXXXXX, Experian and XXXX are not reporting my correct address XXXX XXXX XXXX  XXXX XXXX, CA XXXX Experian and XXXX are infact harassing me on the new address ( 3 ) XXXX  XXXX XXXX is not reporting correct credit card balances
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

As a longtime customer with Kohls  department store, I never missed a payment and always paid on time. Even paid early for over 3 years. On XX/XX/XXXX, unfortunately, my payment was somehow and became a few days late. But I paid my minimum payment as usual of {$27.00}. My account limit started with a {$300.00} credit limit and quickly increased to {$700.00}. And I continued to pay {$27.00} as the minimum payment. But when I checked my statement my minimum payment increased to {$45.00} and I was told it was due to my balance of $ XXXX. I tried to explain to several representatives that my balance was lower and it didnt make sense that my account balance at {$700.00} was a minimum of {$27.00}. Consequently on a XX/XX/XXXX call with a representative ( XXXX ) I was told my minimum payment in XXXX would be {$27.00}, but I needed to pay the {$45.00} by the due date on XX/XX/XXXX, even though the late fee was reversed. I feel the {$45.00} minimum due is completely unfair and should pay the {$27.00} for XXXX payment. Moreover, I have been given the runaround about this whole situation as a loyal customer.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

The name XXXX XXXX XXXX is being reported as a name on my Equifax consumer report. This name is incorrect and does not correctly Identify me as a consumer I would like this name removed immediately and I would like for solely the name XXXX XXXX my Equifax consumer report The address XXXX XXXX XXXX, XXXX, LA XXXX is present on my Equifax consumer report. I have never lived here and this is a non-mailable address. I can not be contacted or reached at this address. I would like it removed immediately. 


XXXX is present as a Social Security number for me on my Equifax consumer report. This is incorrect. I would like this entry to be removed immediately and nothing to be shown in the field of Social Security number or my Equifax consumer report. 

The date of birth XXXX is present on my Equifax consumer report, this date of birth is not correct, and I would like for it to be removed immediately. I would like for no data to be present in the data of birth field on my Equifax consumer report.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

The name XXXX XXXX XXXX is being reported as a name on my Equifax consumer report. This name is incorrect and does not correctly Identify me as a consumer I would like this name removed immediately and I would like for solely the name XXXX XXXX my Equifax consumer report The address XXXX XXXX XXXX, XXXX, LA XXXX is present on my Equifax consumer report. I have never lived here and this is a non-mailable address. I can not be contacted or reached at this address. I would like it removed immediately. 


XXXX is present as a Social Security number for me on my Equifax consumer report. This is incorrect. I would like this entry to be removed immediately and nothing to be shown in the field of Social Security number or my Equifax consumer report. 

The date of birth XX/XX/XXXX is present on my Equifax consumer report, this date of birth is not correct, and I would like for it to be removed immediately. I would like for no data to be present in the data of birth field on my Equifax consumer report.
Consumer complaint received 2022-02-24
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. (MI)

TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : US DEPT ED XXXX XXXX : {$3800.00} XXXX  XXXX Balance : {$430.00} Chapter XXXX bankruptcy discharged Reference # : XXXX Asset Amount : {$0.00} XXXX  XXXX XXXX Inquired oXXXX XXXX Inquired on XX/XX/2021 XXXX XXXX  Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX  Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021
Consumer complaint received 2024-05-17
Product: Credit reporting 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 have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXX Balance : {$990.00} XXXX XX/XX/2023 XXXX XXXX XXXX
Consumer complaint received 2022-02-24
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: Experian Information Solutions Inc. (PA)

ion know who open these accounts I have to figure out who did this to me! I am sick to my stomach and I need your help outting these companies. they have messed up my reports and I'm ready to buy a house. My loan officer told me to make a report so here I am.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

PLEASE DELETE THE FOLLOWING ACCOUNTS AND INQUIRIES ; 1. Pursuant to 15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) I did not initiate nor authorize this agency to obtain my report. It was not a firm offer of credit or insurance. 
EQUIFAX MTG Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
2. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments. There Should be no late payments on this account XXXX XXXX Account Number : XXXX Please send proof of missed payment, otherwise remove 30 days late from my Late Payment Status 3. Pursuant to 15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) I did not initiate nor authorize this agency to obtain my report. It was not a firm offer of credit or insurance. 
XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2022-02-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (TX)

Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by Vance and Huffman LLC on XX/XX/2022 and I have no recollection of doing any business with Vance and Huffman LLC. I am in the process of contacting Vance and Huffman LLC but no phone number is on the credit inquiry. I would like a detail report of who this company is and why the company chose to file on my credit report before calling me or sending me some type of notification regarding this negative reporting. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter
Consumer complaint received 2022-02-24
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. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

I have sent dispute letters to XXXX XXXXXXXX XXXX. They have never validated the debt as requested. The only thing they have done was make a remark on my credit report. As I have stated to this company DOES NOT have my permission to report any information to the credit bureau. This is a VIOLATION OF XXXX XXXX XXXX ( XXXX ) ( XXXX ), XXXX XXXX XXXX ( XXXX ) ( XXXX ) and XXXX XXXX XXXX ( XXXX ) ( XXXX ). I was never given the opportunity to decide if I wanted my information reported. That is in reference in the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ). VIOLATION OF XXXX XXXX XXXX ( XXXX ) ( XXXX ). XXXX XXXXXXXX XXXX is not reporting accurate information. On my XXXX credit report, there is an " X '' placed on dates XX/XX/XXXX and XX/XX/XXXX where the data is unknown. I have supplied the Rating Key for XXXX. If the data is unknown, this is not XXXX XXXX ACCURATE! That is a violation of XXXX XXXX XXXX ( XXXX ). XXXX XXXXXXXX is also in violation of compiling, furnishing, misleading, false and deceptive forms. That is in violation of XXXX XXXX XXXX. Pursuant to XXXX XXXX XXXX, XXXX XXXXXXXX must comply to any provisions to make my credit report compliant.
Consumer complaint received 2021-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC (FL)

Qualia Collection Services is attempting to collect a debt that does not belong to me. They sent me the attached notice of debt on XX/XX/XXXX. I've attempted to resolve this by contacting the company asking for validation of this alleged debt. I sent out correspondence via USPS mail on XX/XX/XXXX. I have yet to receive any form of sufficient validation of this debt, or any correspondence at all from Qualia Collection Services. As far as I know, this has not been reported to any of the credit bureaus but I'd like them to cease all collection efforts and assure me that this will not be reported to the credit bureaus as this alleged debt does not belong to me. I am requesting legal action to terminate this account immediately. Thank you.
Consumer complaint received 2023-02-18
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: Spring Oaks Capital, LLC (MD)

When I had this credit card and it was active, a purchase was made by someone that was NOT me, and I called the credit card company and told them I never shopped at the store that was being shown. That purchase that someone made using my card, set me over my credit limit. I sent the credit card company the paper they requested I fill out explaining what happened and how it wasnt me and they never did anything about it. I told them I was not making payments on my account until that fraudulent purchase came off- they never took it off and then eventually closed my account and sent it to collections. Which is where we are at with it now. This wasnt my fault and it is still negatively impacting my credit.
Consumer complaint received 2022-02-24
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: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (AL)

I have spoken with SYNCB/JCP ( JC Penny Credit Services ) XXXX time on a billing dispute for an account. Their contact information is as follows : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX This issue concerns an account that was opened briefly for {$200.00} on XX/XX/XXXX and closed soon thereafter " PAID IN FULL ''. 

The creditor attempted to levy a {$3.00} late fee in XX/XX/XXXX. I called spoke to the service center and was informed that the fee was waived and the account closed. The balance at the time of closure was actually XXXX XXXX ( {$00.00} ) in my favor. 

At some point in the fall, I received another notice from SYNCB/JCP concerning the late fee for this account. I called their customer service center and was informed that there would be no late fee, it was a computer glitch and that the balance within the closed account was again + ( {$00.00} ) owed to me. 

This morning, I noticed that my XXXX score had dipped from XXXX to under XXXX. When I investigated, I learned that SYNCB/JCP had reported the aforementioned account as delinquent for the months of XXXX and XX/XX/XXXX. 

Again, I called their service center at ( XXXX ) XXXX and was assured by the representative that the account was not delinquent. 

I am escalating to your office because there appears to be a pattern of misconduct with this creditor. They are now beginning to affect my credit rating and I do not trust them to remediate the situation properly.
Consumer complaint received 2020-04-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (FL)

My name is XXXX XXXX. I currently have a FHA mortgage loan. I have been impacted by the national disaster of COVID-19 and have reached out to my mortgage servicer, Home Point Financial. After speaking with several representatives, including a supervisor, XXXX XXXX, it was explained that the only forbearance option I had at this time would be to defer my payments for 90 days and at the end of the forbearance, a balloon payment of all three payments in addition to the XXXX payment would be due. 
I explained to Mr XXXX XXXX, that according to the CARES act, his company is required to provide me with reasonable, good faith accommodations to assistance me during this national crisis. He repeated the aforementioned and stated, " until the investors tell them to offer additional options, this was all that was available at this time. '' Home Point Financial is not complying with the Federal law in providing its customers " good faith '' efforts in accordance to the law. Please help me. I do not know where else to turn and need help! You may contact me at ( XXXX ) XXXX. I look forward to hearing from you. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-04-09
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-04-09
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)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-04-09
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. ()

Good morning, Somebody i heavily using my identity to get some money, i am seeing tons of hard inquiries in my credit report which does not belong to me, moreover i have not been living in the United States for 5 years, inquiries are given below. 1 ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX XXXX ) XXXX XXXX CARD SERVICE- Inquiry date : XX/XX/XXXX XXXX ) XXXX XXXXInquiry date : XX/XX/XXXX XXXX ) XXXX- Removal date : XX/XX/XXXX XXXX ) XXXX-Inquiry date : XX/XX/XXXX XXXX ) XXXX- Inquiry date : XX/XX/XXXX XXXX ) XXXXInquiry date : XX/XX/XXXX XXXX ) XXXX XXXX NA- Inquiry date : XX/XX/XXXX XXXX ) XXXX- Inquiry date : XX/XX/XXXX XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX ) XXXX XXXX   CARD SERVICE- Inquiry date : XX/XX/XXXX XXXX ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX ) XXXX-Inquiry date : XX/XX/XXXX XXXX ) XXXXInquiry date : XX/XX/XXXX XXXX ) XXXX CARD- Inquiry date : XX/XX/XXXX XXXX ) XXXX XXXX XXXX-Inquiry date : XXXX XXXX, XXXX XXXX ) XXXX XXXX XXXX- Inquiry date : XXXX XXXX, XXXX XXXX ) XXXX Inquiry date : XXXX XXXX, XXXX XXXX ) XXXX XXXX   XXXXInquiry date : XX/XX/XXXX XXXX ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX XXXX ) XXXX XXXX XXXX date : XX/XX/XXXX XXXX ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX ) XXXX NA-Inquiry date : XX/XX/XXXX 2018