davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple requests to remove inaccurate account information, unauthorized inquires and incomplete personal data from my credit reports to All 3 bureaus. They have not removed them and have not responded within the 30day time frame of the law.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (DC)

Like everyone else, I have no idea whether my personal information was compromised by the Equifax hack. I attempted to sign up for the company 's TrustedID Premier service that it is offering to people whose information may have been compromised. I filled out the form on the website, but did not receive a confirmation email until 3 days later. I was instructed to click a link to confirm my registration, did so, and then was told I had " already registered '' and should log in with my existing username and password. I do n't have an existing username and password, sparking fears that my information has already been hijacked or used by hackers. I then requested to reset my password and was sent a password reset link. I clicked that link and the site failed to load. It eventually loaded after several tries, then froze when I attempted to actually reset the password.
In short, I have no idea whether I have been enrolled in the monitoring service and apparently the company is completely unable to handle its own disaster.
Consumer complaint received 2022-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

The company has failed to verify or prove to me that this debt is mine and to even indicate I have ever allowed XXXX XXXXXXXX to open an account under my name with an address I've never been associated with before nor did I have any of these companies any written nor verbal authorization to open an account falsely under my name. I have not lived in XXXX for nearly a decade as I've been living in XXXX. Yet XXXX XXXX and this collection agency is falsely trying to collect a debt that isn't mine and was resulted from identity theft. It's the company responsibility to ensure that the account was opened under my authorization only and not without my knowledge or approval.
Consumer complaint received 2017-09-22
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. (UT)

I disputed the information with all three credit bureaus, XXXX, XXXX , & Transunion, who will not remove an invalid hard inquiry. I submitted a letter to them explaining that XXXX XXXX XXXX XXXX out of XXXX, Utah promised me that they would only use a soft inquiry and not a hard inquiry because the credit union changed my account included in chapter XXXX bankruptcy to a current charge off status. The credit bureaus will not budge or work with me. 

Transunion will not remove an invalid inquiry. XXXX XXXX XXXX XXXX XXXX XXXX, 2017 This has to do with annual credit report dot come. Anything pulled by the consumer is a soft inquiry because the consumer, being me, is the one that is requesting their credit report. It is being reported as a hard inquiry.
Consumer complaint received 2020-07-28
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: Experian Information Solutions Inc. (IN)

Experian and XXXX  credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine. 

XXXX XXXX is fraudulent on my credit Account # XXXX DEPT OF EDUCATION/XXXX is fraudulent on my credit Account # XXXX DEPT OF EDUCATION/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX   is fraudulent on my credit Account # XXXX
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

Equifax Free Credit Report Online Response-XXXX  XXXX 18 -  Applied for credit from a company that used Equifax 's score of my credit to determine my credit rating. Since this score is lower that XXXX   and XXXX, I was curious to know why and wanted to exercise my right to receive a free annual copy of each report and its contents. Requested a copy of my annual credit report from all three bureaus. Received copy from XXXX  and XXXX. Equifax will not provide online report and requires you to send in a manual form. However, in addition to the form, they request you input your social security number, a copy of your pay stub, a copy of your W-2 form, drivers license, and current utility bill. All of this information being sent through the mail will put your identity at a huge risk and is unfair to the consumer. They are required to provide the report, but refuse to do it without putting the consumer at more risk of identity fraud. 

This is a breach of the law to provide consumers information. I do not want to risk putting all my personal information in the mail to have it vulnerable to identity theft. Their method of providing a report to you ( through the mail ) and requiring the consumer to put all their personally identifying information ( PII ) in the mail is wrong, is a disservice to the public and a slap in the face to the Federal Law that requires them to provide the annual report. This is a travesty and should be addressed. Thank you for hearing my complaint.
Consumer complaint received 2022-02-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

I paid off my Kohls Charge Card in full on XX/XX/22 in the amount of {$120.00}. They charged me twice for that amount. I called and they said they couldnt refund my money & would send me a check within XXXX weeks! I told them to close my account. My bank refunded the overcharge of {$120.00}. Now, they have charged me the {$120.00} again along with a {$30.00} fee! I tried calling again, but only get people in XXXX and they are INCREDIBLY unprofessional and XXXX Im placed on hold for upwards of XXXX minutes, only to have the next associate hang up on me after calling XXXX unprofessional! I do not owe this money & I cant get them to fix it.
Consumer complaint received 2021-08-20
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. (FL)

I have called and submitted a dispute with an agent at Equifax and due to a system error they weren't able to assist me with this matter that I also mailed out my personal information attached with an identity theft report. I have not received any updates or anything verifying this fraud account and I would like further assistance for this matter. Please help me investigate this matter further and getting this account removed from my credit report. Thank you in advance
Consumer complaint received 2019-11-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

I have received 5 emails from LVNV.. Funding LLC stating I owe {$540.00} to XXXX XXXX XXXX. I email lvnv funding telling them that is not the correct amount that I owe it is less the what they have stated. I have done some research on this company and this company like to add fees on top of whats owed. Lvnv expect me to pay the fees that has been added to the original amount that is owed. And I have contacted them by email and i told them it was illegal. I also told them I'm not working so Im unable to make a payment to them and If I was working the account wouldn't have landed to their office. Unfortunately, I still receive receive emails from them and they would like me to talk to them but I prefer that they contact me through email instead.
Consumer complaint received 2022-06-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Sensible Auto Lending, LLC (PA)

I entered in contract with Sensible Auto and XXXX on XX/XX/XXXX XXXX. I got my credit ran, received a finance charge but was not properly explained how its the sum of all my charges so they took my down payment of {$3800.00} which is fraud.
Consumer complaint received 2022-02-18
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Someone opened a bank account using my name, address and SS number. It was with Citizens Bank. I got a letter saying I was overdrawn {$18.00} but I do not have a account with Citizens Bank. I called them and they put a freeze on the account but I want whomever did this to be found. The case number that Citizens Bank gave me is XXXX. I think my brother might be behind this ... .. His name is XXXX XXXX XXXX XXXX age XXXX
Consumer complaint received 2020-07-28
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. (AZ)

XXXX ; XXXX  and Transunion should not be reporting a current balance of {$900.00} as well as ( 120 ) days late on the XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I do not now, nor have I had in the past, an account with XXXX. ( I have attached a copy of the Police Report I filed for reference. ) This false reporting of an account that is past due and does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-10-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC. (CA)

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with out my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on an extension of credit account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-02-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (FL)

I mailed XXXX checks to XXXX vendors in the amounts of {$15000.00} and {$2600.00}. Both checks were stolen from the mail and deposited with a forged endorsement. TD Bank has not restored the funds to our account and said they may not do so until an investigation is complete which may take up to XXXX months or longer., We are a small business and can not afford to be out of that money for that long. Are they not required to restore our funds immediately? I have already filed a local police report ( XXXX XXXX XXXX case # XXXX ) and with the XXXX XXXX as well. The criminal investigation is ongoing.
Consumer complaint received 2020-07-28
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: Experian Information Solutions Inc. (NC)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.
Consumer complaint received 2022-02-18
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. (NJ)

Hello, My name is XXXX XXXX and I am an XXXX American woman. I have worked in financing and credit for 20 years. My credit scores are much lower than XXXX with similar credit. I have viewed hundreds of credit reports of all races and ethnicities. Additionally, I am receiving messages from XXXX XXXX and other online credit reporting apps stating that my rates are higher and my score is lower than many others that have similar credit. My score is in the 500s and I have no collections or major delinquencies. However, what I do have is a social security number that is coded I am a XXXX woman. This is so unfair and I am ready to sue and advocate for change.
Consumer complaint received 2020-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (CA)

SOUTHWEST CREDIT SYSTEMS, is violating FCRA statutes FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] and 605 ( b )
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was sued by XXXX XXXX XXXX XXXX. on behalf of XXXX XXXX XXXX for a credit debt I do not owe. I received a judgment against XXXX XXXX XXXX from the XXXX District Court. XXXX XXXX XXXX is still reporting the incorrect information on my credit report. I disputed the incorrect information with the credit report, but it was not removed.
Consumer complaint received 2019-03-22
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. (NY)

I have submitted multiple requests to remove inaccurate account information, unauthorized inquires and incomplete personal data from my credit reports to All 3 bureaus. They have not removed them and have not responded within the 30day time frame of the law.
Consumer complaint received 2020-07-28
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: EQUIFAX, INC. (AZ)

I've tried writing them to correct the errors on my report or remove the inaccurate tradeline if they're unable to truly validate the information. I have copies of FCRA violations going back almost a year. And all I get from the CRA is Verified as Accurate, and their letters saying they will not investigate this anymore. But clearly anyone can see from the reports pulled from XXXX XXXX XXXX, XXXX, XXXX XXXX, AND the XXXX XXXX  itself ALL have incoherent information. I even sent them copies and ask how did they verify, and I got their same response, Verified as accurate, or meets FCRA requirements. I don't think the FCRA allows blatant account errors across all 3 bureaus, considering they ARE contacting the source, they should get the same info right? I have files for proof of the violations, and proof they've dismissed them for months.
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Abrahamsen Ratchford, P.C (PA)

On XX/XX/XXXX, I settled an old debt for less than the full amount. I was told, in writing, that the account would be settled for that amount. Today, I received a notice that there was a change on my credit report. Instead of it saying the account had settled in full ( for less than the entire amount ), they simply lowered the balance. I have called the office multiple times over the past few days and have a hard time reaching anyone. I have been calling because I have a court date with them scheduled for this Tuesday ( XX/XX/XXXX ), and it doesn't appear they have informed the court we have settled. When I finally reached someone earlier this week, they told me they were sending a letter to the court that afternoon. However, I spoke with the court this morning, and they informed me that the date has not been cancelled yet. I feel like the company has been very disingenuous during this entire process when I am simply trying to move past a difficult period in my life. 

I am attaching a copy of the settlement letter, a copy of my proof of payment of the agreed upon settlement amount, and a copy of the screenshot showing the updated credit reporting information as of this morning.
Consumer complaint received 2022-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello, My name is XXXX XXXX and I am an XXXXXXXX XXXX XXXX. I have worked in financing and credit for XXXX years. My credit scores are much lower than XXXX with similar credit. I have viewed hundreds of credit reports of all races and ethnicities. Additionally, I am receiving messages from XXXX XXXX and other online credit reporting apps stating that my rates are higher and my score is lower than many others that have similar credit. My score is in the XXXX and I have no collections or major delinquencies. However, what I do have is a social security number that is coded I am a XXXXXXXX XXXX. This is so unfair and I am ready to sue and advocate for change.
Consumer complaint received 2019-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NC)

Our loan was sold to this shady XXXX company, Specialized Loan Servicing in XX/XX/XXXX. They are saying we didnt make a payment although we have provided proof that we have. They stated we would have to make ANOTHER payment to make account current. 
We called on XX/XX/XXXX to get it resolved, theyvsent it to Review, along with our proof of payment ( supposedly ). As of today XX/XX/XXXX we still have no resolution. I have a list of 9 different people I have talked to who just put me on hold and move on. I've requested a manager and again, I'm put on hold and advised a manager would call. STILL no call from anyone. Over this XXXX company!!!!
Consumer complaint received 2018-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

This collection company named Amshercollection Services is reporting on all 3 of my credit reports. This is the 3rd company that is listed on my credit reports and has tired to collect on this debt. I called this company and they stated that they do not have this file or account but they are reporting on my credit report. I want this item removed from all my credit reports ASAP. This reporting is affecting my credit rating and my ability to receive credit. I was a victim of theft and someone received credit in my name. This account does not belong to me. Please remove
Consumer complaint received 2022-02-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (GA)

XX/XX/XXXX, my husband and I applied for an apartment with the XXXX  XXXX XXXX. We paid our fees and awaited for a response. I called 3 days later, with no update. The next day, I called and was told that my my husband and I were denied. We did not have any derogatory information on our credit and our credit was much higher than the credit score required. We were in the mid 600s and the requirement was 550. There also was never a credit report pulled. I called and updated the apartment and asked how could we had been denied, if a report was never ran. They never responded after multiple contacts. We applied at another apartment with a higher score requirement and received immediate approval. In XX/XX/XXXX, I received a call saying they were trying to collect a debt. I asked the agent to please explain how i owed. She said it was leftover move out fees. I explained that I never stayed or moved in so how are we owed a balance? She got rude with me and threatened that she will just put it down that I am refusing to pay the debt. This was a recorded call. I explained to her that Im not refusing anything but am asking for a verification of the debt. The call ended and today, I go to look at my credit report and there is the collection. This is illegal and the tactics of IQ DATA INTERNATIONAL IN are inhumane. They still cant prove how I owe this money to them when they never ran a report. I called over a month leaving messages with the main office and no one called me back. I reported it on XXXX and they responded saying that it was due to my credit but again, my credit was never pulled.