davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX App Has The Wrong Social security XXXX IRA Has Account Has The Wrong Social Security Number On It I Am Unable To See My Credit Score For Trans union XXXX XXXX I Know My Phone And My Data On My Phone Is Being Messed With Someone Is Hacking All My Accounts My email account XXXX was exposed to something called the Dark Web please Tell Me What to Do also the credit people keeps on getting my information mixed up with my brothers
Consumer complaint received 2021-08-26
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: Bread Financial Holdings, Inc. (VA)

Comenoty banl has advisede that they only report the last 2 years of payment history to the credit Bureaus. Thwy have not updated my report reflect such and will not make the change.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

Experian and XXXX are reporting incorrectly a collection in the amount of {$810.00} on the XXXX XXXX. partial account number XXXX. ( Please see page 14 of the attached credit report. ) I was insured with XXXX and I contacted XXXX to discuss this outstanding bill and the representative I spoke with at XXXX could not locate any billing records from XXXX, XXXX on the referenced date of service. It would appear that XXXX, XXXX. never billed XXXX and consequently this account has gone into collections. This billing error is not my fault and XXXX, XXXX needs to bill XXXXXXXX and reverse the collection proceeding against me. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 )  bureaus to fix this, however I have been unsuccessful.
Consumer complaint received 2022-03-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rock Creek Capital, LLC (CA)

So today XX/XX/XXXX XXXX XXXX put a collection on my credit report saying the original creditor is rock capital which when looked up its a collection agency for a XXXX car I never had a XXXX car I have one car which I paid through XXXX XXXX I disputed with XXXX but how can this company put anything on my name and not send anything thru the mail stating I owe them or I can dispute because I dont have or never had a XXXX car
Consumer complaint received 2021-05-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Southwest Credit Systems, L.P. (CA)

This debt of {$200.00} should haven't been sent to collections as XXXX Reps told me on Pre .recorded conversations on the phone that bill or debt was erased and terminated. 
I am in the XXXXXXXX XXXX affordable payment program. 

I have a current active account with XXXX XXXXXXXX XXXX with Internet and Cable and paying only {$58.00} a month not {$200.00}. 
I am respectfully XXXX XXXX, XXXX and a XXXX XXXX.
Consumer complaint received 2021-08-26
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: AMERICAN HONDA FINANCE CORP (CO)

I was out of the country and had my vehicle payment set up on automatic payment. When i returned home months later. i was notified that the car had been repossessed for lack of payment which i was unaware of. I explained the situation when i returned and paid the balance off. As they researched it they realized it was their mistake. However it is still showing on my report as a paid charge off and affecting my credit in a negative way even though it was not my problem. Please assist me in helping to get this removed from my report. Thanks
Consumer complaint received 2021-08-26
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. (TX)

The Car which was Finance was already sold due to a reposesson the original amount was not {$27000.00}. the amount that is showing on my credit report is incorrect. It is showing an incorrect amount for the full finance amount and is showing derogatory. The amount that is showing the outstanding balance however I was never made aware of what the car was sold for so that outstanding balance was never authenticated.
Consumer complaint received 2021-05-11
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: EOS Holdings, Inc. (NJ)

EOS CCA is reporting wrong information on my credit report This company is Re-aging my account Version # XXXX which is reporting date XXXX which is wrong well as payment History, they reporting {$1100.00} which is wrong my account is {$890.00} my Delinquent was XX/XX/XXXX as you will see in my copy of the Document which XXXX sent me they are reporting wrong information I sent them letters after letters even called them about this wrong information they reporting on me they told me Its accurate as you see its not here is my Original bill Account Summary
Consumer complaint received 2019-08-06
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. (CA)

I received communication from XXXX XXXX, XXXX and XXXX XXXX notifying me of recent unauthorized credit inquiries. These inquiries occurred mostly from XXXX XXXX from multiple agencies. I am concerned as I feel an unscrupulous automobile dealer has done this. Please remove these inquiries. Companies noted with unauthorized inquiries include : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Additionally, I did not authorize the following credit inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-08-26
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

On XXXX of 2019 I opened an account with XXXX XXXX, I was making my payments up until I came across finacial instability due to The COVID-19 Pandemic. I learned that under The CARES Act my rights were being violated in which no negative remarks should of been reported. Furthermore, I learned that The HEROES Act reinforces this and even more adds restrictions on reporting and debt collecting.This debt has been sold for collection and upon learning about The HEROES Act I realized it was a violation of my rights to be reported negatively and collected on during The COVID-19 pandemic.
Consumer complaint received 2019-08-06
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Commercial Recovery Systems (FL)

I received a call on my personal cell phone on XX/XX/2019 at XXXX XXXX ( Eastern ) from a man looking for my father. They told me that " someone '' gave them my number despite not even knowing who I am or relation to who they were trying to reach. They did not tell me who gave them my number.

They asked me to pass their contact information to him so that they may discuss " financial litigation '' with him. I asked what it was concerning, but they declined to tell me. 
This call was polite enough and I actually agreed to pass the contact info on. 
He said his name was XXXX from CRS and Associates Today ( XX/XX/2019 ) at XXXX, I received a call from the same number but was unable to take the call. I was left with a voicemail implying legal action was going to be taken as it was the final contact notice and the paperwork was going to be taken off the desk at the end of the day. I had already informed them that I was not the person they were seeking, yet the caller stated that it was " solely intended '' for my father. They know I am not my father, but still give me a message that they know only he is supposed to hear? 

The phone number that the call appeared to come from both times was a local number to me, but the contact information they gave me was located in another state.
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I placed a fraud alert in my credit reports over a year ago and I have received numerous unauthorized inquiries from companies but was never called by the credit reporting agency to verify if I authorized the transaction. I called the credit reporting agencies to see if my phone number was listed in my file and spent nearly 30 minutes explaining to a customer service representative what I needed just to get the run around and still did not find out if my phone number is listed in my credit report. What's the point of having a fraud alert on your file if the credit reporting agency is going to supply anyone who request you files without ensuring it is an authorized transaction.
Consumer complaint received 2022-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (DE)

XX/XX/22 called collection for a cease and decease oral form of communication and by all mediums including my credit report. 
XX/XX/22 received a letter from collection saying until debt is paid they will continue to report information to my consumer report. 
I asked if they can provide me a signature saying that I owe the debt and was told they don't have the original instrument providing me my entitlement to the indebtedness,
Consumer complaint received 2021-12-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (GA)

Ive made multiple attempts to contact this company, which is ProCollect, to get this inaccurate issue resolved. I have been reaching out to them almost 2 years now. When I call, they will not allow me to speak to the person that has the account which is XXXX XXXX. When I did speak with XXXX XXXX 
XXXX, he was intimidating and verbally abusive to me when I tried to explain that the balance was incorrect. When I asked him to verify the debt, he refused to do so. He stated that he had already done so. And I need to just pay my bills. I explained to him once again that the balance was incorrect and I needed to resolve it quickly to acquire credit. I even offered to pay a portion of it so that it could be removed. 
I told him that the balance was incorrect and its keeping me and my children from getting housing. As a result, my children and I are unable to find adequate housing right before the holidays. We are being denied only because of this. 
I told him that I wanted to dispute this item and Only pay what I owed.He refused to do so. He has refused to properly acknowledge this account and he has blatantly ignored my requests and phone calls and emails. This incorrect account is causing me to not be able to acquire housing and is causing me XXXX XXXX XXXX. Please help me resolve this issue immediately.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XX/XX/XXXX,XX/XX/XXXX several times have disputed this item. This account is over 7years old. Each time disputed it just has been updated with same info {$7000.00} XXXX
Consumer complaint received 2021-12-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KEYCORP (NY)

I was checking my credit report when I saw that it said I owed {$75.00} on an auto loan by KeyBank. I have never heard of this company. My auto loan was taken by XXXX and was closed in XXXX of XXXX. It is now XXXX and KeyBank has reported to creditors that I owe {$75.00} and have XXXXmissed payments. Never once have I heard of this company. Again my account was closed with XXXX and I never heard of KeyBank. When I called first they never heard of me, have no records of me. Then I call again after I gave some information and they tell me I owe fees that were waved by XXXX. Then I was told they see notes that the fees were waived and they will waive the fees as they should have been. Then I call back again because now there is a lien on my vehicle and they tell me I have to pay fees and interest. Again never heard of this bank until nowXXXX! I been closed this account and they are saying I owe this money. One : I was never contacted by XXXX  ( also I asked what is my payoff amount and I paid that in full ) .Two : I never even heard of KEYBANK until this year XXXX!! XXXX was an awful year since its when I lost my mother. Now I have to go back and relive that year because this random bank is ruining my life for {$75.00}. A bank that never even heard of.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-27
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: Experian Information Solutions Inc. (FL)

This is not sent in error, on XXXX XXXX, my information was used to open a Store credit card that I didn't not agree to. I contacted the company XXXXXX/XX/XXXX to have the inquiry and card closed .However they continuously transfered me to other employee and not the fraud department. Every employee states they do not have a fraud department.However this is a violation under multiple laws : -under 15 U.S. Code 1602 ( p ) - unauthorized use of my information -Misleading False Reporting FDCPA Section 807 -This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.
Consumer complaint received 2019-08-06
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. (OR)

I allowed Equifax mortgage to run my credit on XX/XX/XXXX but I did not give them permission to run it twice. This is affecting the amount of hard inquiries are on my report. I attempted to resolve this with the company but they said it would not affect my credit and refused to correct the error
Consumer complaint received 2023-08-18
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Social Finance, Inc. (FL)

I received a SoFi credit card and SoFi debit card in the mail that I did not open. As soon as I received it I contacted SoFi on XX/XX/XXXX to explain I did not open that credit card and debit card and it looks like I have been a victim of identify theft. I was told they would note the account and have the accounts closed. On XX/XX/XXXX I received an email from SoFi that there was a balance of {$1600.00} on the credit card and it is due on XX/XX/XXXX. I contacted SoFi again on XX/XX/XXXX and was told that I would need to contact SoFi 's Credit Card Fraud Department and that is done by email or leaving a message at XXXX and to send multiple emails until they respond. I have emailed SoFi 's credit card department three times ( XX/XX/XXXX, XXXX, XXXX ) and have not received a response back. I called and left a message on XX/XX/XXXX and have not received a call back. It seems like no one at SoFi can assist me in getting the account closed out and the balance removed since I did not open the card.
Consumer complaint received 2021-12-14
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)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (LA)

Our house was damaged by hurricane ida on XX/XX/XXXX. We were without power for 20 days, during that time the water damage incurred became mold damage. The insurance company agreed to pay for the mold remediation at a cost of approximately XXXX dollars. In that time our mortgage was sold to freedom mortgage company. We received the insurance check and sent it too freedom mortgage and only received XXXX back on XX/XX/XXXX. Now freedom mortgage is holding an additional XXXX dollar check from the insurance company that is meant for the actual repairs to the house. They are stating the money cant be released until the work is nearly complete. I dont understand how Im supposed to get the work done if I dont have the money to do so. Weve tried repeatedly to speak to a supervisor and cant get a call back. We are out of options at this point.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.