davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-09
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-08-24
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)

last XX/XX/2021 I've sent a letter about those accounts that were fraudulently used without my permission. and It results to have a low credit score which stresses me so much. I felt so embarrassed and In need of help to resolve this issue. I already contacted credit bureaus and furnisher it almost 30 days now but no response yet.
Consumer complaint received 2021-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

On multiple occasions I contacted Procollect and sent receipts of payments made to the original creditor and Procollect said they will not honor those payments. I sent the contact information of the original creditor and they still will not resolve this matter. 

The amount in question was {$1100.00}. As a result we have been denied a mortgage and credit cards. 

This has been going on since XX/XX/2016.
Consumer complaint received 2018-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX  : : Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX ALL ANY OTHER 30 DAYS OLD ON MY CREDIT REPORT ...
Consumer complaint received 2022-09-26
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. (NY)

Hello, I just recently pulled a copy of my latest credit report. I saw that I had some unauthorized hard inquiries and I do not know where they came from. I believe I am a victim of identity theft and these inquiries are hurting my credit report. I am in the process of purchasing a home for my family and this is hurting my chances of being approved. Please remove the listed inquiries that I did not authorize. 

Your attention to this matter is greatly appreciated. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-12-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (TX)

I received a notice of sue today. Ive been sending letters to the credit bureaus asking for validation of debt and I never received any responses until this sue. Ive asked for them to validate this debt and all invalid info they have and if they can not to remove this discover card. The debt showed removed then now they are suing and its back on
Consumer complaint received 2021-12-09
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: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as XXXX XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC. (SC)

Creditor is Netcredit, They reported me to XXXX and XXXX as past due 30 days twice and 60 days past due only marking the account as affected by a natural disaster., when I had called in and made payment arrangements to keep my account current during covid-19 last year. I fulfilled my payment arrangements and brought my account current during the agreement period and paid my loan off in XX/XX/2020.I submitted to them complete copies of both credit reports. I received an email from them stating they will basically not remove the negative reporting and my account is accurate. This is the only account reported negative on my credit report during this time, which I had other accounts with payment arrangements during that time and fulfilled them to and the creditor reported me current. 
I expressed the CARES ACT Violation and I was told that nothing would be done to fix the reporting, though their record show I had an arrangement and fulfilled my obligations to the arrangement in the time frame it was granted. 

The negative reporting is as follows XXXX XX/XX/2020 / 30 days late, XX/XX/2020 / 30 days late, XX/XX/2020 / 60 days late. 

XXXX they reported the account XX/XX/2020 / 30 days, XXXX 30 days and XXXX  60 days late. They noted the XXXX account as 60 days past due XX/XX/2020 and 30 days past due XX/XX/2020 and XX/XX/2020. They did not report payments on XX/XX/2020 for XXXX. 

XXXX they did not report payments in XX/XX/2020, XX/XX/2020 or XX/XX/2020. I paid the arrangements per the agreement. On the XXXX report it stated XXXX as 60 days past due i the comments below Date closed.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

Citi is sending harassing letter told not to contact back in 2017 per NDR! Also sent letters to Credit Agencies and Creditors but still negative reporting and having third party contacting me for a debt no longer owed or under contact since 2017!
Consumer complaint received 2021-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (FL)

I received a letter from XXXX ( a division of XXXX XXXX ) that offered to " remove [ my ] prior debt '' if I signed up for new services. I checked my credit report on XXXX XXXX and discovered that IC System had reported a collection account opened on XX/XX/2021 in the amount of {$420.00} to XXXX. 

I have not had an account with XXXX  for many years. We opened an account with them when we first moved into our home but their services were so unreliable that we closed the account shortly thereafter. All equipment was returned and the account was paid in full. 

I have received notices from other collectors in regard to this account in the past. Each time I have disputed the account and requested that they verify the account with XXXX. I have never received verification and the account either never appeared on my credit report or was immediately removed. In this case, IC System did not send me any letter indicating that this account had been assigned to them. Furthermore, the date they used when they reported it was false. 

I believe that this is a cooperative marketing scheme seeking to blackmail former customers who they should KNOW do not owe them by hiring a debt collector to place the account on those former customers ' credit reports, then offering to instruct that collector to remove the account in exchange for returning as a customer.
Consumer complaint received 2021-12-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2020 and 60 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2022-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX # XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX {$470.00} XX/XX/XXXX XXXX # XXXX {$880.00} XX/XX/XXXX XXXX # XXXX XX/XX/XXXX THE FOLLOWING ACCOUNT ARE REPORTED INCORRECTLY
Consumer complaint received 2019-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (IN)

I called US Bank customer service on XX/XX/19 to report a stolen credit card. 
My name is not the primary on the account, but I am an authorized user, and my name is on the card that was stolen. Apparently they did not disable my card, but they did not tell me that they didn't. I am logged into the account right now, and I can see that a charge went through on XX/XX/19. This is unbelievable. Any person who has a card issued to them who calls to report it stolen should be taken seriously.
Consumer complaint received 2019-06-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Opened : XX/XX/2019 ( 3 mos ) Account status : Open Type -- Responsibility : Individual Remarks : Placed for collection Original creditor name : XXXX XXXX XXXX {$1000.00} Reported balance. 


Theres two collections of the same amount. I went through XXXX to dispute the accounts but no change. Then I recieved a letter of medical fraud taken place on my information.
Consumer complaint received 2019-06-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau of Carbon County (TX)

XXXX XXXX XXXX never gave me the 6 months window before sending to the first collection agency. This took place in XX/XX/XXXXand they were reporting it in XX/XX/XXXX, who then took a medical bill and reported it to my credit bureau inside that 6 months as well. I have had this debt removed already because of this over steping their boundaries and not giving me enough time to submit to insurance and make sure all debt is mine. they keep selling it to new collection agencies who re-report debt to my credit bureaus. I have removed this debt at least once maybe twice.
Consumer complaint received 2021-12-09
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (MT)

XX/XX/2021 someone hacked into my us bank mobile app and sent XXXX $ to their XXXX  account from my savings, I immediately called us bank fraud dept and reported it after several weeks of having my accounts frozen and mistakes made by us bank on the process of changing my username and all accounts when first i was told to just change my password and now that I have it straight they tell me that they will not help me get the XXXX back from XXXX because they believe i was the one who did it
Consumer complaint received 2021-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (IN)

This is in regard to original complaint nor XXXX submitted XX/XX/21 regarding HSBC not making payments available as credit in a timely fashion. I received your response yesterday and it is completely unacceptable. You forwarded their response that points out that the cardholder agreement allows UP TO 14 days to make the funds available. They sent that to me as well. They can put anything they want in the agreement ; however that is not the problem. They need to be audited to discover where the funds paid by thousands of customers are shown in their accounting. My suspicion is that it is shown as reserves. It is not. The money represented by these payments is not theirs to use in any manner they wish. If not illegal it is unethical. The funds are deducted from my checking account and shown as received by HSBC but not available to me. You can't just forward their non-answer and call it done. It's not. Where is MY money for 14 days? It is your responsibility to find out. You can communicate to them that I am not without recourse in this matter. I can, ( and I will if forced to ) ATM the entire available credit and stop paying them altogether. My credit will take a hit but they will have to sell the debt at a loss to a collector whom I will happily pay. In addition this situation occurred because they lowered my credit limit without notification to me and I had a purchase denied. Their notice to me claimed I was sent an e-mail telling me of the limit reduction. I received no such e-mail. I received a letter in the mail on XX/XX/21 long after the reduction. None of the reasons for the deduction apply to me. ( see attachment ).
Consumer complaint received 2019-06-21
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. (CA)

XXXX XXXX XXXX Reported my Account late to the Credit Bureaus but whenever I Logged into my Account is said, it didn't separate the account due from past due so I paid it on the due, but they reported my Account 30 Day 's Late to the Credit Bureau 's I have never ever paid this item late ever. 

2nd Problem is with XXXX XXXX XXXX reporting incorrectly to all 3 Credit Bureaus that I paid my account late in which they applied the {$500.00} to my other car loan and didn't apply it to the correct car by the time I noticed it, I sent an extra {$500.00} to the past amount but the only reason it was reported late to the Credit Bureaus was because they credited the {$500.00} to the wrong car payment I have 3x car loans with this company a simple mistake but it's affecting my credit score a lot. 

XXXX is reporting a closed credit card 30 Days late 2 year 's ago in which also I never paid late
Consumer complaint received 2021-08-24
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: Dovenmuehle Mortgage, Inc. (CO)

I recently noticed that our credit had been negatively impacted by 160 points. I contacted On XXXX XXXX ( mortgagee ) and they have told me that this was processed by Dovenmuehle ( On XXXX XXXX loan Servicer ) as a result of a late mortgage payment in XXXX of 2021 for our property located in XXXX, Colorado. Prior to the XXXX mortgage statement being generated, I had been attempting for 5 months to have the billing address changed on this loan. I used the " change of address '' form located on the back side of each mortgage statement but it was never processed by Dovenmuehle. At one point, a manager from Dovenmuehle told me over the phone that the change of address form didn't actually work since the form had the incorrect PO box associated with it. This manager admitted in a recorded conversation that the department who received the change of address form on the backside of each statement couldn't actually complete the change of address which is why it had not been processed! In order to get the address corrected, I had to have On XXXX XXXX contact Dovenmuehle and demand that they update my address. On XX/XX/2021 the address was corrected and the XXXX mortgage statement was regenerated and sent to the newly corrected billing address. I received the statement at the beginning of XXXX and I sent payment via XXXX on XX/XX/2021 with a check date of XX/XX/2021. Due to delayed mail service during COVID-19, the check was received and cashed by Dovenmuehle on XX/XX/2021. Please note that USPS was extremely delayed during this time frame due to COVID. Since Dovenmuehle has the incorrect billing address and was late to send me the XXXX mortgage statement the due date for this statement should have been 30 days from receipt. Given the timeline outlined in the above paragraph, this would have made the due date XX/XX/2021. Additionally, Dovenmuehle has a 15 day grace period which would have given me until end of day XX/XX/2021. Again, I sent my check on XX/XX/2021 with a check date of XX/XX/2021 and it was cashed by Dovenmuehle on XX/XX/2021. Due to the incorrect billing address on record, which was no fault of mine, as well as delayed mail service during COVID-19, I do not believe that a negative credit impact of 160 points is warranted in this situation. I understand that a mortgage is considered late one day after the due date. Therefore, I'm fine if Dovenmuehle wants to charge me a late fee since technically my payment wasn't received by Dovenmuehle until after the XX/XX/XXXX due date. However, a negative credit impact is not warranted. My wife and I have worked tirelessly to establish excellent credit and it has been negated in one fell swoop by this event. I am requesting that this be reversed by Dovenmuehle. Thank you for your consideration. Regards, XXXX XXXX
Consumer complaint received 2019-06-21
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)

BEING A VICTIM IS VERY STRESSFUL, AND THE FACT THAT EQUIFAX IS GIVING ME HARD TIME AND CAUSING ME MORE PROBLEMS, BY NOT REMOVING THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. FOR THE PAST 3 MONTHS I HAVE BEEN ASKING THEM TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, EQUIFAX HAS RECEIVED MY IDENTITY THEFT REPORT 4 TIMES AND HAS DONE NOTHING. THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2019-06-21
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. (HI)

I am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges ..I am requesting that the items be blocked to correct my credit report.. XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ,
Consumer complaint received 2022-03-26
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)

Theres are 2 closed accounts that are showing opened still and its increasing balances every other month. XXXX XXXX  and XXXX XXXX XXXX. First Both are not mines second, theyre opened even though they supposed to be charged off with balance increasing almost monthly. XXXX with a little over XXXX now showing almost XXXX balance? Please investigate, validate and remove. I belive its fraudulent on what theyre doing. Screenshots are provided
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed a dispute with TransUnion and requested a reinvestigation of a previous dispute request for XXXX XXXX XXXX XXXX  Account Number XXXX that came back verified according to TransUnion. As the information that is reporting to my consumer credit report from XXXX XXXX XXXX is inaccurate therefore violating 15 U.S. Code 1681s2. On XX/XX/year>, I submitted a complaint with the CFPB, complaint number being as follows : XXXX. Today XX/XX/year> I called trans Union customer service and spoke with XXXX a representative to follow up on dispute listed above in which TransUnion responded to CFPB complaint listed above confirm that they are still working on dispute with XXXX XXXX XXXX XXXX the account referenced previously on XX/XX/year> and she, meaning XXXX TransUnion Representative, was able to confirm that there in fact was no open investigation regarding complaint number XXXX. I then proceed to begin an active dispute for the third time with TransUnion regarding XXXX XXXX XXXX XXXX  Account Number XXXX and its inaccuracies. This account is also in violation of 15 USC 6804 because they have never supplied me with an op-out disclosure and have violated my consumer right by disclosing my personal information to third party services without my written consent which a violation of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. I ask that you please remove this inaccurately reporting account from my credit report.