davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-24
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: LEXISNEXIS (TN)

I applied and was denied homeowners insurance because a loss showed up on my report from 2019. The loss was a theft filed on a XXXX policy belonging to XXXX XXXX. It was his homeowners policy for his home on XXXX XXXX. He was temporarily staying with me when he filed his claim. That claim got on my report. Even though my homeowners insurance was XXXX and not XXXX.
Consumer complaint received 2023-03-21
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. (CA)

This is my eighth 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 Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XX/XX/XXXX XXXX X XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX.
Consumer complaint received 2021-10-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation (TX)

On XX/XX/21 I spoke was a rep at the number of XXXX who took a payment from me in the amount of XXXX ( the payment has since then come out my account and also I was give a reference number via text XXXX. I received a call today from a XXXX from XXXX calling about the payment. When I tried to advise her that I made the payment and the payment already came out my acct. She basically called me a liar. I tried to give her the reference number & she again continue to talk over me. I ask her for the head number gave me a number of XXXX. I called that number and the rep said that she can open up a ticket. I called back and spoke with a XXXX who stated that she can file a complaint. No one was willing to listen to me nor find my payment. I have my bank statement were the money came out my account.
Consumer complaint received 2024-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am disputing this account, Pursuant to 15 usc 1692g ( a ) ( 2 ) I am demanding that you provide me with the name of the creditor of this account. Pursuant to 15 usc 1692g ( a ) ( 1 ), I am requesting the amount of the alleged debt, and how the amount of this alleged debt was calculated. Please keep in mind this is only a request for validation of the AMOUNT of the alleged debt pursuer to 15 usc 1692g ( a ) ( 1 ). 

Account name : XXXX XXXX XXXX  Account # XXXX Date Opened XX/XX/XXXX. 

Balance Owed {$0.00}. 

Account Rating Paid. 
Accounts Name : XXXX. 

Account # XXXX Date Opened XX/XX/XXXX. 

Balance Owed {$710.00}. 
Account name XXXX Account # XXXX Date Opened XX/XX/XXXX. 

Balance Owed {$630.00}. 
Account name : XXXX 

Account # XXXX Date Opened XX/XX/XXXX. 

Balance Owed {$0.00}. 






Please be clear on where this debt originated, how it was calculated, and any supporting documentation that proves your claim is valid. Please keep in mind I am not requesting that you send me proof of location information ( my place of abode ) I am only requesting the alleged amount of this debt you claim I owe, and how it was calculated.
Consumer complaint received 2023-02-23
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: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-12
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)

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 XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$10.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2022-11-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (NJ)

CMRE financial reported debt to my credit reports, I called them, they said they couldnt send me an invoice but I can see if online but I had to sign to verify the debt as Accurate first before viewing the debt which is fraudulent! Also discovered its not my account but was told the only way to get it removed was to pay it anyway.
Consumer complaint received 2019-03-12
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. (FL)

On Thursday, XX/XX/2019, I applied with 2 banks ( XXXX and XXXX ) for a home equity loan. Both banks informed me that they were unable to access my credit report from Equifax. I was told that they both received an error that said something to the effect of : 'fraudulent application alert '. I was told to contact Equifax to fix this issue. From Thursday to today, I called Equifax about 6 times. Their customer service reps are repeatedly telling me that there is NO block, freeze or any type of hold on my report and there is NO reason why the banks are being blocked from accessing my report. The last supervisor I spoke with was XXXX, employee ID # XXXX, who also assured me that there are no holds on my report. We verified all identifying info on my report and it all matched what the banks have. The banks have attempted to run my report 3 more times and they're still being blocked from doing so. Being that both banks are having the same issue, it's rational to believe that this issue is an Equifax technical error that they have failed to resolve.
Consumer complaint received 2018-10-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Society Business Services, Inc. (AZ)

This company ( Bureau of Med Econcs ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1000.00} and {$1500.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2022-01-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

Hi my name is XXXX XXXX. On XX/XX/2021, I sent a letter in regards to mistaken and obscure things on my credit report. Right up 'til the present time, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being overlooked. Section611 ( a ), It expresses that inability to examine these things inside 30 days gives motivation to quickly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased speedily. I request that these records be erased quickly or I will petition for suit because of the pressure you have caused me. My data was additionally affected by the Equifax data breach and may have gotten under the control of some unacceptable individual.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CT)

A payment in amount of {$2.00} was made on XX/XX/XXXX, did not show in pending payments, a duplicate payment was then made on XX/XX/XXXX, both of which posted to XXXX account ending in XXXX, bringing the account to a credit balance of {$2.00}. For whatever reason, possibly due to technical issue, initial payment did not show as posted or pending, hence duplicate payment made which now brings account to a credit balance of {$2.00}. I request check mailed to me for this amount.
Consumer complaint received 2021-05-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: InterLinc Mortgage Services, LLC (PA)

It has been very difficult working with Interlinc Mortgage LLC as a whole. Starting from XX/XX/2020 to date.. Unfortunately, in my case Professionalism was lacking and Communication was not there ; nothing was explained to me during the loan process. I was asked to share personal and proprietary information via text message to the branch manager as well as 2 employees ... Later, I was asked to re-submit the same documents more than 3 times. The branch manager ran my credit scores twice in the same week, and again in less than 30 days. My mortgage rate was locked without informing me. The branch manager constantly talked down to me, and was not helpful at all. He reached out to me and informed me that he would take my file home with him and call me that night. I had to reach back to the branch manager to follow up. Constant promises and no results. I was scheduled to close 3 times and for various reasons that I will call mistakes, my loan has not closed.
Consumer complaint received 2020-11-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2018-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc (NV)

On XX/XX/XXXX at XXXX XXXX. someone changed my e-mail address and phone number and security questions on my pay pal account that I had opened in XXXX. I started receiving emails at this time about this issue.I called pay pal on XX/XX/XXXX and XX/XX/XXXX as the fraudulent actions continued. Pay pal can not retrieve my account from XXXX, and will not close the fraud account opened on XX/XX/XXXX. They suggested I try to make a police report or retain a lawyer as they COULD not help me in any way.I went to the police station who informed they couldn't help unless charges had been made. I just want both accounts to be completely deleted and closed and pay pal refuses to do so. My checking account and debit card are also connected to my original pay pal account I opened in XXXX. They acknowledge that this is fraudulent activity on my account with them but are doing nothing to help me resolve the issue.
Consumer complaint received 2019-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (TX)

Began receiving calls from Radius Global Solution -XXXX XXXX since XX/XX/XXXX. She has been calling me very day since then ( today is XX/XX/XXXX ). I requested multiple time that they mail me proof that I owe this debt and never have they sent me anything. I asked Ms. XXXX that I do not want them to call me and all communication must be in writing and I am still receiving calls. I can never understand what hospital she claims I owe money for. If I truly owe money to a hospital, they need to mail me proof. I do not owe any hospitals. I know that I don't as my current credit is excellent according to XXXX XXXX as of XX/XX/XXXX ( currently showing to be in the upper 700 's ).
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

All the Credit Bureaus dropped My credit score by over 120 points and didnt give me a full explanation on why, after Ive settled the account that has been the problem, no thanks to anyone because this account was originally fraudulent but everyone wanted to play dispute games, and nothing got resolved, until I received the letter of settlement and i figured this was my only way out, they didnt update the account as paid or settled.NONE Of them try to explain, and now im at the point where they wont answerer for phone for me, at least anymoreXXXX, Equifax, XXXX.you guys need to fix my score to the way it was before so far I have no negative accounts, and you didnt even update none of my current accounts none of you, and on more thing XXXX, I had a fraudulent inquiry and the bank said they sent you a letter so why isnt my inquiry removed? Any negative balances or whatever that you guys recorded from XXXX are now SETTLED.so check your info again and fix the problem, because this wont look good if this become a court case lbs.I have my proof, Ive done the things I needed to do, now its on your lack of urgency and negligence. To all parties involved fix it.Contact XXXXXXXX XXXX, All debts should be resolved
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One Spark Business is the company that we bank with and this issue is related to. 

Capital One sent us checks through the mail, with no tracking or security. Somewhere, an unauthorized individual stole the checks and started writing and cashing checks to themselves. This happened in the middle of the night on XX/XX/XXXX. We were unable to reach anyone at Capital One, because their support is not open until XXXX XXXX  EST. 

We called at XXXX XXXX EST to get our account locked and reverse these fraudulent check charges to our account. Capital One reversed all but one of these fraudulent checks. The check that was never reversed was # XXXX and in the amount of {$2400.00}. 

We have called numerous times to rectify this and Capital One keeps telling us that " the investigator is looking through the information ''. They have told us twice it would only take 2 days for the investigation. Due to the fact that Capital One lost our checks and did not provide a sufficient duty of care, we don't believe it matters if an investigation happens or not. We are requesting a refund of the fraudulent check in the amount of {$2400.00}.
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CT)

I've seen no changes for the accounts that I have filed last month, I still see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CO)

I have reached out to the credit bureaus and the creditors regarding these accounts. The accounts are outdated and out of the statue of limitations for debt in Colorado. The creditor nor the credit bureaus have not responded to my request to have these outdated tradelines removed.