davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-18
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. (AZ)

I have on numerous occasions attempted to rectify a few discrepancies within my consumer report. Under the law, it is the job of the consumer reporting agency to make sure that the information that they are reporting is accurate. As the consumer I have notified the agency to remove the following items : 1.XXXX XXXX  XXXX XXXX ) 2XXXX XXXX XXXX XXXX  ( XXXX ) To date these unverifiable accounts remain on my consumer report. 
The consumer reporting agency should be able to see that these items have been previously disputed without a proper investigation/ or verification method. I am requesting that the consumer reporting agency reinvestigate these accounts by manual verification. If any item is to come back as verified please provide this information pursuant to 15 US Code 1681 ( i ) ( 6 ) ( b ) ( iii ) : 1. A description of the procedure 2. Name of the business 3. Business address 4. Business phone number XXXX. Name of the agent XXXX. Most importantly, if my personal information such as my date of birth, ssn, and/or address was provided to you without my consent for verification purposes.
Consumer complaint received 2024-02-08
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. (SC)

Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are extremely adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. I am demanding that if these accounts with inaccuracies be deleted. 
Here are the items I am asking you to verify as accurate : XXXX. XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX. XXXX  XXXX XXXX  ( Account # XXXX ) XXXX. XXXX  XXXX XXXX ( Account # XXXX ) XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) After your investigation is complete, please send me the results via mail. 
Thank you in advance, Best Regards,
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IL)

Every time I make a payment on my Citi card they tell me it has been applied to my balance. However, it is actually placed on hold for over 10 days so that they can verify the funds. I was told by Citi that this is an incredibly rare occurrence and that is a result of 1 ) the card being new ( it was opened in XXXX ) 2 ) the payments are large which triggers a fraud alert ( the largest payment has been a little over {$400.00} ) and 3 ) because I make more than one payment within the billing cycle ( this is true, I make a payment each time I get paid, so approximately every two weeks ). 

This is not incredibly rare but actually happens after every single payment, resulting in me not being able to access my money for 10+ days. Most recently, they put a hold on a {$330.00} payment that I made on XX/XX/XXXX. Funds left my bank account on XX/XX/XXXX. XX/XX/XXXX was a XXXX  XX/XX/XXXX was a XXXX Citi received funds the next business day, as they always have. 

My wife also makes payments throughout the billing cycle, as do many of her friends and colleagues. Her funds are not held for 10 days. The main difference between my wife, her friends, and me, is that I am XXXX and my last name makes that obvious. 

I have never once, since opening this card ( or at any point in recent memory ) had a payment not go through. My credit score is above XXXX. There is zero reason for them to still believe they will not receive their money. 

Citi is profiling me based on my name and assuming I dont have funds since I am a XXXX. This is egregious and appalling. There is no excuse for this XXXX XXXX and profiling. 

Citi is holding my money for 10+ days every single time, and making it so that I cant use my card nor can I access the cash Ive given them to make purchases.
Consumer complaint received 2018-12-27
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: General Motors Financial Company, Inc. (LA)

I have written letters and called each of these creditors multiple times who are reporting fraudulent inquiries and continue to report these to the credit bureaus. These request were not authorized and need to be removed but they will not assist my request. 


XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (IN)

There is a collection on my credit reports that is not mine. A collection is reported to credit bureaus by Harvard Collection Services. They list the original creditor as the Illinois Department of Human Services. I found that odd considering I have not lived in Illinois in over 20 years. Upon contacting the Illinois Department of Insurance they stated that the handwriting on the documents does not match mine and they suspect it was fraudulent. I have also contacted XXXX XXXX, XXXX, and could not reach XXXX to have this erroneous information removed from my report. I am seeking assistance in getting this removed from my reports. Thanks!
Consumer complaint received 2023-03-18
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: EQUIFAX, INC. (FL)

This is my 7th 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 alleged fraud or extortion. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES (TX)

I usually make payment my self and never been late on payments. 
This year my wife is not working and XXXX was close, I have XXXX kids and trying to make happy every one on this XXXX. 
Month of XX/XX/2018 was last day to make the payment and I very busy at work till XXXX : XXXX   and got my paycheck. 
I submitted my payment on last day after XXXX : XXXX .They are saying you made this payment after work hrs.
Consumer complaint received 2019-09-16
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: EQUIFAX, INC. (CO)

On XXXX I got an alert from my XXXX XXXX XXXX that Equifax has once again added a FALSE statement to an account that is CLOSED. They added a remark to my XXXX account that says Consumer Disputes The Account Information when I HAVE NEVER DISPUTED THIS INFORMATION. 



The account is closed, it is in good standing but yet Equifax puts a derogatory statement on my account that is FALSE and MISLEADING! I am sick and tired of this happening as this is not the first time. They put it on, then remove it and not put it back on my account. 

I am demanding that EQUIFAX remove this immediately and stop putting this XXXX on my credit report. 

The rep said that a confirmation number. # XXXX and his name is XXXX operator ID XXXX XXXX and he said that he removed the dispute codes and statements but He is a liar.
Consumer complaint received 2024-02-08
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. (NC)

The following accounts were used unauthorized. It affects my credit file and lifestyle. I need help to remove the following accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (TX)

On XX/XX/2021 I submitted a letter to XXXX disputing the accuracy on a charge off account they have been reporting on my credit report Account # XXXX. ( See attached letter ). Their response to me on XX/XX/2021 confirmed that the all information being reported is accurate and correct. They provided me with a copy of the original contract. They are reporting this account type as a loan when in fact the alleged agreement is known by its governing laws as a credit sale. There was no loan agreement in place. No goods or money were loaned to the alleged debtor. It is a violation of the FCRA to knowingly furnish or report false information. ( See attached copy of contract ). They are also reporting this inaccurate account as Open on XXXX  and Closed on XXXX. ( See attached documents ). They are reporting a recent missed payment on XXXX  and that is Incorrect as well and caused my credit rating to drop and because of this inaccurate reporting caused me to be declined for a credit increase with my bank during this pandemic. ( See attached document ). I have tried to get this corrected with them and they have refused to make things right.
Consumer complaint received 2020-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BYL Collection Services (TX)

I do not have knowledge of this debt, called and e-mail the company for contract or any documentation stating I signed the contract, but I have not received a response. 

BYL SERVICES XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Reported : XXXX XXXX, 2020 {$2400.00}
Consumer complaint received 2023-08-23
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit Reporting act Capital One Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right of privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-08-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was charged the amount of {$1.00} XXXX, and this kind of scam happened first time in my life, I am with Capital XXXX for so many years but when I contacted them and XXXX they didn't even want to try to help me, they were rude and denied my case many times, I can not accept that someone just can steal my money this way and I believe there is the way to make them responsible. Thank you for doing it, I really appreciate your help. 
The transaction was posted on Friday, XX/XX/2023. 
Name on this transaction : XXXX XXXX
Consumer complaint received 2020-08-02
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT 1. XXXX XXXX SERV with ACCT # XXXX opened on XX/XX/2020 with a balance of {$11000.00} -This is not my account.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Ive tried to get my credit report from both XXXX and Equifax to no avail. Im only able to retrieve my credit report from Equifax. This issue has caused me a great deal of stress and I would like for it to be fixed as soon as possible.
Consumer complaint received 2020-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (TX)

Escrow account analysis completed incorrectly - Quicken Loans did not verify current required payment from our taxing authority. 

Appraisal value of home changed and required property taxes were reduced by {$5000.00}. New escrow analysis was completed and concluded that the escrow balance and payments remain appropriate. 

Without escrow changes we will be paying above the maximum escrow balance per RESPA ( calculate at escrow requirement + 1/6th account cushion = XXXX ). 

This is not the first time we've had significant issues with Quicken Loans. 

They did not have documents prepared accurately at closing and we had to wait several hours while they corrected forms. 

They falsely claimed escrow was covering homeowner 's insurance payments and I found out three months after closing that this was not the case and the insurance was not valid as they had never received a payment from Quicken. Thank god we had not had to make a claim. 

They called some months back offering to refinance the loan with no money down - I asked them to confirm this was the case before running my credit. They did, ran my credit, and then said they couldn't offer what they had indicated, hitting my credit with a hard inquiry for no reason. 

I am a former XXXX  XXXX and have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Based on my experience I am extremely concerned about Quicken Loan 's ability to accurately service our loan.
Consumer complaint received 2023-08-23
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in 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
Consumer complaint received 2019-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/2018, American Express, without warning, suddenly decreased the credit limit of my XXXX card from {$30000.00} to {$5100.00} ( while the card carried about a {$4900.00} balance ). American Express extended a special low interest offer on this card before this balance was accumulated. The offer was only accepted because of factors such as the high credit limit available, and the balance was only accumulated to that level by accounting for the resulting credit utilization. Therefore, it is believed American Express reneged on its side of the bargain after the customer accepted and took actions accordingly. This kind of unilateral agreement change can potentially destroy a customer 's credit without warning. For example, the credit utilization on this card suddenly increased from less than 20 % to nearly 100 %. This " bait and switch '' tactic appears to render AmEx 's original offer fraudulent and results in customers being thrust into a " maxed out credit card '' situation/status on their credit reports.
Consumer complaint received 2019-01-03
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: ZOA, LLC (TX)

XXXX XXXX XXXX is constantly reporting an account from a pay day lender by the name of XXXX XXXX XXXX, that I never opened, nor never applied for. It has been removed from my credit report 2 previous times. The first time it was removed from my XXXX  report. The second time it was removed from my XXXX report. It is now being reported on my XXXX   report and should be removed immediately as a fraudulent account, from information most likely obtained through and XXXX data breach earlier this year.
Consumer complaint received 2020-11-06
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. (AR)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.
Consumer complaint received 2020-11-06
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)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.
Consumer complaint received 2021-07-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TX)

I'm not sure if this went through, but here it is again. We we're hit with the XXXX pandemic and we suffered, lost of extra income medical bills. Our mortgage company offered a forbearance plan and we took advantage of it. They offered extension s and we accepted them. I knew that we would have to pay the part that we were behind on. So Specialized Loan Servicing said that we could set up a repayment plan. We were searching for help online when XXXX XXXX XXXX noticed us needing help and said that they could find a program that may would fit out situation. Not knowing what the plan was we accepted the third party help. We paid them {$3200.00} for the services. Specialized Loan Servicing denied all that they were trying to do for us and would not budge on anything. XXXX XXXX XXXX kept informing us not to worry all was still under control. Specialized Loan Servicing is still not budging and since the forbarence ended in XX/XX/2021 they have accelerated the full amount owed that we were behind on with no repayment plan. Trying to pay the amount that we were behind on in three months is impossible. We can do it but not in three months. They are only giving us just thirty days and counting. The money that I paid XXXX XXXX XXXX could have were toward paying Specialized Loan Servicing. I asked XXXX XXXX XXXX before they took charge if I paid them how could I pay on our mortgage. He replied no don't pay them until we are done. The XXXX affected us badly and the second income that I had to help with the mortgage payments was lost. We are retired and we shouldn't have to go through this at this stage in our life.
Consumer complaint received 2023-03-17
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. (GA)

My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. I dispute the collections account that appears on my credit report, in the amount of {$6800.00} ( or recently increased amount ), where XXXX XXXX XXXX XXXX is listed as the original creditor, and XXXX XXXX is listed as the creditor. XXXX ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of all data being reported regarding this information and requesting that you remove the account from my credit report immediately. XXXX ) Statute violation : FDCPA Section 809 ( a ). Verification of the late payments for collections can't be provided when my consumer credit report doesn't reflect the accurate history and payment history. I request these late payments for collections be deleted from my credit report as they are incorrect and unjustly damaging my credit score. This is an immediate demand that all inaccuracies being reported on my consumer credit reports must be deleted.
Consumer complaint received 2020-02-05
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. (NM)

XXXX XXXX XXXX inappropriately obtained my credit information from one of the three credit reporting agencies despite being on all three 's no-contact/opt-out listing for almost two years now. Attempted to resolve the issue with the company directly, then through the XXXX XXXX XXXX, but I continue to receive unsolicited offers of credit from XXXX XXXX XXXX in direct violation of the FCRA.