davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-19
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: National Credit Systems,Inc. (TX)

I've contacted National Credit Systems on 3-4 occasions regarding incorrect reporting. I have a dispute through credit reporting the debt remains on my report. I did notify Rep the debt did not belong to me but my daughter and should not be on my credit. After speaking with an agent ( XXXX XXXX ) on each occasion, I was told there would be a packet sent to me regarding the dispute. I was not a co-signer. Have not recvd pocket. XXXX XXXX contacted me on XX/XX/2018 stating she had spoke with my daughter and my daughter would pay the debt. I again advised Rep the debt belonged only to my daughter and not me. I did mention to the Rep as my daughter did, I was considering filing Bankrupt and did not want the debt labelled as bankrupt showing on my daughter 's report. Rep stated again, my daughter had agreed to pay debt. The debt is in the amount of {$1800.00} placed in collections by XXXX XXXX XXXX.
Consumer complaint received 2016-10-19
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK (NC)

In XXXX 2016 I was considering a new cash back credit card and called Discover to inquire about a new card with cash back features. I was told that an old account existed with discover and it could be converted to the new IT card with a {$100.00} bonus and cash back. 
I accepted the offer and a card was issued. When the bonus requirements were met I waited for awhile and the bonus never showed up on my account. Today I called Discover and spoke to XXXX and then supervisor XXXX XXXX. XXXX stated that no notation was made on the account when it was converted for the bonus, then XXXX stated that no offers existed during the time frame of the account being opened. I asked for a written response to my inquiry, XXXX XXXX stated the Legal would not like that and she was unable to provide anything in writing. I requested the address for the Legal Department, she declined to provide that address. 

As a bonus was offered to me when the card when I accepted a new card to be issued by Discover and the bonus requirements were met I should get the bonus.
Consumer complaint received 2023-03-15
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no oneseems to care, that I want to dispute specific records in my credit file that do not belong tome, or that I have signed any agreement. The items I'm challenging have nothing to do withany transactions I've done or authorized to gain products, services, or money. Pleaseremove the following items : XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$79.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX Balance : {$160.00} ; XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$390.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX : {$420.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXXBankruptcy XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XXXXXXXX
Consumer complaint received 2019-04-23
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 (CA)

I have a student loan with HYUNDAI MOTOR FINANC. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called HYUNDAI MOTOR FINANC and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting Equifax and HYUNDAI MOTOR FINANC with no successful resolution. Equifax only reporting me 30, 60 and 90 days late. There was an error on their part. I was  never 90 days late.
Consumer complaint received 2022-12-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WLCC (NV)

XX/XX/XXXX. The company put the amount of {$600.00} direct to my account without signing up on the company. Starting XX/XX/XXXX they start deducting {$190.00}, XX/XX/XXXX {$190.00}, XX/XX/XXXX {$190.00}, XX/XX/XXXX {$190.00}, XX/XX/XXXX {$190.00}, XX/XX/XXXX XXXX. They still want me to pay {$770.00}. They automatically put {$600.00} in my checking account without signing on their website but my mistake I use the money which I pay automatically deducted on my checking but the problem is they want to pay me more than I owed. This is the company phone XXXX. Thank you. Im going to get a in my bank the statements to provide evidence.
Consumer complaint received 2022-12-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 2022-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (WA)

I was reported unauthorized transaction on XX/XX/XXXX for claim total {$7700.00}. They reply me email on second day saying my claim was denied. Then I send email to them ask why my claim was denied and they said will email me the documents for the reasons. After that they send me a email that will closed my checking account. I feel very angry and I want my my money back.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (NC)

Yes I am always very careful with my credit at all times. I works very hard to pay my bills especially threw these hard times with the coronavirus. I lost XXXX XXXX that I had and I have been very devastated. But what money I was able to make I decided it was a good time to try to get rid of some of my debts the best way I can. So I was able to pay my car off and one finance company so far. None of this have been easy for me. I was so hurt when I saw my credit scores have drop 19 points. I work hard to always keep a good credit score and that not fair when you pay your debts down you end up getting penalized for it. I have tried calling the three credit bureaus and you could never get peoples who can make sense of whatever they be saying. I never miss payments on my accounts. But 19 points and as hard I have tried to keep my credit together. Also on some of my credit reports I saw about a 50 soft injuries on my reports that wasn't made by myself. That should be against the law anybody can call in about your credit or even try to get credit in your name. They be getting all of your personal information and I had to put freezes on my accounts. And that didn't seen to help much. I am wanting to pay more of my debts off and I am afraid my credit score going to drop so low. So what am I am suppose to do? That my personal information and I don't feel it sure be shared with peoples without my knowledge. This world is full of crooks and scam artists. Telemarketers everyday calls your house trying to scam peoples and they can't seen to be stop and the government can't seem to help much either. I have tried everything. I finally was able to buy me a small phone blocker at XXXX and it seem to be helping out a little. My creditors that I have paid off they said they so sorry to hear my score drop 19 points and that wasn't fair at all. They was willing to write me letters stating how well I paid on my accounts, but they can already see how well I pay my bells for themselves. So I want to know what I can do to get my credit scores back up without going back into debt? Please help this is very hurtful especially when you try so hard. This coronavirus have destroyed so many lives including mind. Thank you for your prompt attention to this matter.
Consumer complaint received 2023-03-15
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the inquiries that are erroneous in my file and need investigation : XXXXXXXX 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 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 2021-03-08
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. (FL)

Hello, I just figured out recently that I have item in my credit report that is completely not mine. I believe I become a victim of identity theft someone took my personal information and filed this account. I got crazy to see it suddenly appeared. Look I want you to help me because its not fair and I am not connected to this transaction or charges or whatever! I am getting married soon and I need to have good score and good picture for family plans, thank you for understanding and I hope you will help me and remove this item as soon as possible. 
XXXX In case of questions please contact me directly )
Consumer complaint received 2022-10-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (FL)

Started in XXXX when I started to fall behind. I got in touch with my mortgage company, to see what my options where. They sent out a package, was told to fill it out. This has been an ongoing issue. I feel like they haven't been incompliance with the USDA loan guide lines. They would make our payments high to where we couldn't pay. We where told we couldn't make a payment in that they would not expect it. So from XXXX to XXXX we have been filling out modified package to keep our house. The lady today XX/XX/XXXX that we have limited access to our account, so if that's the case how am I supposed to know what is going on. I have been in contact with the XXXX XXXX from the # XXXX hope they advised me that my mortgage company was/is supposed to let me know what options there are for me with help on my mortgage. They have not. We are on a active forbances and they are not supposed to be processing paperwork untill its over. The lady said today once they get the rest of the paperwork then they can finish processing everything. She said we are in an active forcloser and we are not supposed to be.they are not following USDA loan guide lines.
Consumer complaint received 2020-11-10
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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (TX)

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX of the last letter,
Consumer complaint received 2023-03-15
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. (MI)

This is my second 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 XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$800.00} AXXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance : {$100.00} Bankruptcy XXXX  XXXXdischarged Reference number : XXXX Filed on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX  XXXX Balance XXXX {$800.00} Bankruptcy XXXX Discharged XXXX Reference number : XXXX Filed on XX/XX/XXXX Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX CT XXXX, MI XXXX XXXX, MI XXXX XXXX XXXX XXXX : {$800.00} XXXX XXXX XXXX : {$0.00} XXXX Original creditor XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX bankruptcy discharged Reference number : XXXX Filed on XX/XX/XXXX Court : U.S. Bankruptcy Court XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-06-19
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. (PA)

spoken with equifax, XXXX, and XXXX on numerous occasions about my credit score dropping. my credit score was at XXXX then dropped to XXXX, and again on XX/XX/2018 to XXXX now as i stated before i pay for a service to monitor my credit score and or file but to have inconsistencies regarding my score dropping is unreal based upon me paying all my bills on time without delay and decreasing the overall debt ratio of my credit file.in addition i believe that they meaning reporting agencies are deliberately defarud me of my right as an consumer, by not reporting correctly however charging fees for inconsistent reports. i would like to be able to sue in federal court based upon deliberately reporting false information on my credit file and report to others.
Consumer complaint received 2023-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (IL)

Credit Collection Services has reported inaccurate information on my credit report. This has turned into a Collection which is first of all a violation as a consumer. This was opened on XX/XX/2022 with the account balance of XXXX I have no known knowledge of this information. I've also reached out to the company regarding this matter of this being a cause of identity theft, I've completed my police report regarding this matter.
Consumer complaint received 2016-04-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TN)

I disputed a state tax lien from XXXX County Superior Court with identification number XXXX and I received notification from Experian that stated the account is reporting accurately. I disagree because the lien was vacated and according to information in my credit file it shows the lien has been paid and satisfied. I have tried to dispute this and keep receiving a message that says I am unable to dispute because it was previously updated from a dispute that I filed in 2012. There is no record of this lien on file with XXXX County Superior Court.
Consumer complaint received 2015-04-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (CA)

The Bank is US bankMy bank account had 2200 dollars in my bank account on XX/XX/XXXXI deposited a check for XXXX on XXXX so I my balance was over XXXXthe bank returned my check. 
they stated on of the names on the check was on the account being deposited. 
Received an email stating my bank account was over drawn to -4500 dollars on XXXX called the bank.the same dayThey bank stated the overdrawn position was a bank error. It had something to do with making money available during the deposit phase of the check deposit. they told me they had moved over 5400 dollars from my line of credit to cover the overdraw position. Complained and asked how can an account of more than 10,000 dollars go down to XXXX XXXX XXXX ). The difference between these XXXX numbers was XXXX dollars. How could they have taken that much money out of my account? They said it was a bank error and that they would fix it. To this effect they stated they would refund the charges for the bank transfer of 5400 dollars. I assumed it was fixed. 

XX/XX/XXXX I received a statement from US Bank stating I owed over 5400 dollars. I called again XXXX. The last person stated that it their department was the checking department and they could not help with the premier line of credit because it was a credit card problem. 

Called them another day. Asked to talk tot he premier line of credit department. They stated they would not help. They referred me to the branch manager. 

Called the bank manager. The manager is not there all the time. They promised to call monday XXXX. In the mean time their credit card department is calling me stating that I am past due. I explained whit the problem is and they stated they can not correct the problem. As of today they have called me XXXX times. 

The facts are my account balance was never XXXX. I had not withdrawn or spent money during the time that the check was deposited. This should have never happened. At least XXXX people at the bank have acknowledged this was a bank error. However not one has fixed it. 

How can force them to fix the problem?