davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-22
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. (TX)

I've contacted Experian about fraud. XXXX XXXX XXXX / XXXX XXXX XXXX added a XXXX XXXX line of credit, that was fraudulently obtained in my name, to my credit report. A police report was filed and all 3 credit bureaus notified. The XXXX XXXX account ending in XXXX was removed but XXXX XXXX XXXX has added it back to my credit profile with themselves listed as the creditor. 

XXXX stated they can not find a credit file with information I submitted to them. I've attached the police report and supporting documents outlining the fraud.
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERICAN EXPRESS COMPANY (GA)

This account opened XX/XX/XXXX and closed XX/XX/XXXX ending balance of {$6900.00}. Amex put a lien on my home and refuses to discuss this with my attorney. We have been sent to three different law firms who were " handling '' this and have yet to speak to anyone that can rectify it. 

My attorney XXXX XXXX and his staff have been reaching out the AMEX attorney listed as handling this several times over the past three weeks. No response. This has caused the sale of my home to cancel and I've lost {$120000.00} in equity.
Consumer complaint received 2024-02-10
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: Experian Information Solutions Inc. ()

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$20000.00} XXXX  XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX FIN XXXX Balance : {$20000.00} XXXX XXXX Balance : -
Consumer complaint received 2019-01-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FC HoldCo LLC (AZ)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX and XXXX XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/2016.
Consumer complaint received 2019-01-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Conn's, Inc. (AZ)

I have a loan with CONNS. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CONNS with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/2018.
Consumer complaint received 2019-01-08
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: Bread Financial Holdings, Inc. (AZ)

I have a loan with XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/2018.
Consumer complaint received 2022-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In accordance to the fair credit reporting act XXXX XXXX XXXX account # XXXX has violated my rights. 

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 a account without my written instructions. 



Date XX/XX/2022 XXXX {$870.00} Attempted to dispute account as it is unrecognizable, dispute processed and no changes were made to credit reports.
Consumer complaint received 2021-04-13
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 have requested the following companies to validate their claim that I owe them and they have failed. I am not aware of any agreement that exists between myself and these companies. Please remove these accounts from my credit reports XXXX {$790.00} act XXXX XXXX  XXXX  {$470.00} act XXXX XXXX/XXXX  XXXX
Consumer complaint received 2018-01-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

The original purchase price of the house was XXXX and we put down XXXX. We were told by the lender that we would have to pay the PMI at first and by the second year it should be removed because we gave more than the 20 % down needed and therefore the ratio of what is owed and what the house is worth would be below the requirement to have it removed. Ive called the bank, Ive placed numerous requests and they say that they will charge the PMI for the next 7 years because thats what they are allowed to do. But now the house is worth XXXX through last view on realty website and we owe XXXX which is well below the 78 % requirement to remove the PMI. Even if the house still appraised at XXXX its still below the 78 % because we put so much down. We just want the PMI removed, thats all.
Consumer complaint received 2019-09-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe (CO)

ConServe is attempting to collect a debt owed on an XXXX loan to the U.S. Government. They are charging interest and 1/3 admin fee, and refused to offer a settlement or allow me to make a settlement.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FlXXXX bod XX/XX/ ss # XXXX Bankruptcy is too old it has been discharged and Needs to be removed Remove bankruptcy ASAP
Consumer complaint received 2023-07-27
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-07-27
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. (AL)

This is my 18th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX is continuing to report a past due amount on my credit report when this account shows as having been sold to a collection agency. I have challenged this previously and has come back verified both with XXXX and Transunion. How can this have been investigated and yet still showing a past due amount when the account was purportedly sold to a collection company/agency
Consumer complaint received 2022-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (AL)

Synchrony Bank store card for Ashley / Ashley Home Store / Ashley Furniture HomeStores/SYNCB. 
Account ending in XXXX. 
I am listed as co-applicant on this card with my wife. 
From XX/XX/XXXX through XX/XX/XXXX, our promotional balance went from {$4700.00} ( XXXX ) to {$3600.00} ( XXXX ). 
Checking our account online, on XXXX XX/XX/XXXX, made payment of {$190.00} on XXXX XXXX, the info displayed indicated the promotional balance as {$3400.00}. 
On our XX/XX/XXXX statement the promotional balance is shown as {$3600.00}. 
On XXXX XXXX, I logged in, pressed chat option, opened chat with company representative ( prefer not to use name of agent ; this situation is not the fault of that agent ), during chat agent did research and responded with two different chat boxes. 
The first chat box from agent stated that balance is {$1900.00}, I asked to ensure correct account number was being used by agent. Agent confirmed correct account number was being used. 
Next chat box, agent indicated that the balance on their end, in their system, is now showing as {$0.00} ( XXXX  ). Again, made sure correct account number, agent verified that he was using correct account number. 
Due to much confusion, I called company. At first spoke with XXXX, she could not explain, to my satisfaction exactly what was happening with our account. She escalated my concerns to a supervisor, XXXX. 
After much conversation, she too had no idea or reason for the difference between {$3400.00} to {$3600.00} to chat balance of {$1900.00}, then XXXX. 
Between XXXX and XXXX, we made a payment of {$190.00}. Balance should have decreased not increased. 
Completely confused about what is going on. 
My previously submitted complaint # XXXX, is related, connected or XXXX to this new complaint.
Consumer complaint received 2023-07-27
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

Hello, These fraudulent accounts are reporting on credit report. Its been 1-2 months that that I sent in letters. The only results Ive gotten was it was verified. I want to know who verified it? By law in 30 days no results the accounts are suppose to be remove.
Consumer complaint received 2021-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

My mortgage comany, LoanCare owes me a check for {$3400.00}. It is an escrow overage payment that was incorrectly issued. 

The overage check is to be issued in my name, XXXX XXXX XXXX. I initiated this payment on XX/XX/2021 via email to a customer support individual. I called about the status of the status of the check on or around XX/XX/XXXX, as it hadn't been received. The customer support person I spoke with told me that there was an error and to look for the escrow overage check by XX/XX/2021. It never arrived. 

I again emailed the customer support individual that the check has not arrived. He did not respond. 

In summary I've emailed LoanCare twice and called the company as well. Over a month has elapsed since first I asked my name to be used on this overage check. LoanCare owes me {$3400.00}, which I need.
Consumer complaint received 2021-08-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Armstrong and Associates, Inc (MS)

A notice of debt collets was sent to me in late XX/XX/2021 claim there is an attempt to collect a debt. About 1 week laterI received a call and I advised the company to only communicate with the debtor via mail. I sent in a letter for debt validation immediately requesting for what proof this company has that confirms I owe a debt. On XX/XX/XXXX I received a response with detailed medical information that I did not sign a Hipaa release form giving this 3rd party access to such records. The information provided to me is a violation of my hipaa rights.
Consumer complaint received 2023-07-26
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. (TX)

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. 

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 2019-09-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CITIBANK, N.A. (MI)

CITI is again taking me to court again first time ( XXXX ) dismissed due to them not noitifing me and now case No XXXX for over {$12000.00} that was illegally charged to my account that I canceled in 2006 due to them illegally cahrging my accounts that they tranfered to a fake account? As the were forced to stop by your agencey File No XXXX. They are now trying to attach my social security and VA disabllity payments! Their local lawyer tlod me that they can attached my income from social security and VA disabllity, put a lean on my home and send m to prison! They also sid that they could go after my family members!!!
Consumer complaint received 2024-03-04
Product: Credit reporting 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. (FL)

Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Equifax along with the help of XXXX XXXX has improperly reported information on my credit report for years and broke the law. They have admitted this to me in writing and I demand remedy from XXXX  for the improper use and damages. I have attached a affidavit of truth, invoice, legal notice and the exhibit proving these proof and admission, and the same information has been sent certified mail green receipt to the company. I just want them to do right by me as a consumer and the law.
Consumer complaint received 2019-06-11
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: World Acceptance Corporation (SC)

World Finance is repeatedly calling people I listed as references over & over, but are also calling people I did NOT list as references leaving messages for me to call them. Per 1692b of FDCPA they are only to call my references one time each & are not supposed to say where they are calling from. They have my correct phone number & address so it is not being used for the need of " location purposes ''. This has been going on for two months. They have told me directly they will continue to call my references daily until I come into the office because that is what is required for them to do.
Consumer complaint received 2022-08-27
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. (MI)

I opened a credit card with XXXX XXXX XX/XX/XXXX. All payments were paid as agreed every month except for XX/XX/XXXX. This was due to a medical emergency that I experienced that put me in the XXXX for three and a half weeks. I was unable to make arrangements with XXXX XXXX due to my XXXX
Consumer complaint received 2022-08-27
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. (MI)

I opened a credit card with XXXX XXXX XX/XX/XXXX. All payments were paid as agreed every month except for XX/XX/XXXX. This was due to a medical emergency that I experienced that put me in the XXXX for three and a half weeks. I was unable to make arrangements with XXXX XXXX due to my XXXX
Consumer complaint received 2022-08-27
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)

I opened a credit card with XXXX XXXX XX/XX/XXXX. All payments were paid as agreed every month except for XX/XX/XXXX. This was due to a medical emergency that I experienced that put me in the XXXX  for three and a half weeks. I was unable to make arrangements with XXXX XXXX due to my XXXX
Consumer complaint received 2022-08-27
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: Square One Financial, LLC (AZ)

in accordance with the fair credit reporting act XXXX has violated my rights 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 a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-27
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. (WI)

Over the past year, Experian has repeatedly refused to remove unverifed Bankruptcy from my credit report therefore defaming my character. When I call by phone asking for their source of the bankruptcy I'm told it's XXXX XXXX. When I have asked for that to be sent to me in writing per FCRA guidelines, I'm told they are not required to provide me this information which is a direct violation of FCRA. Experian website states their data source is XXXX XXXX. So in XX/XX/2022, after Experian once again claimed the XXXX as supposedly legally verified I contacted XXXX XXXX. XXXX XXXX subsequently deleted the XXXX from both their verified and unverified files. Therefore, by law, Experian should have deleted the bankruptcy and yet they have refused to do so. This is yet another violation of the FCRA and my consumer rights. Furthermore, there are clear discrepancies with the bankruptcy listed ; it has way too many name variations, it does not include my DOB or full social security number. Just another reason why it should be deleted from my profile. 

Experian is in clear violation of FCRA guidelines and my consumer rights.