davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Im not quite sure why my credit score went down XXXX points??? I have had no change except disputes on my report. This is crazy. I need someone to contact me regarding this system they follow regarding credit reporting. This system sucks and they are robbing people blind
Consumer complaint received 2021-11-03
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. (CA)

An XXXX Credit Card or ( XXXX XXXX XXXX ) customer service representative suprevisor told me over the phone that XXXX ( XXXX XXXX XXXX ) would be willing to delete the XX/XX/XXXX late credit card payment from my credit report however this was not done. I have been a good client of XXXX Credit card ( XXXX XXXX XXXX ) since XXXX of XXXX. This one late payment in XX/XX/XXXX was done in error and I was told it would be removed. I have tried writing letters to the credit bureaus and XXXX Credit Card ( XXXX XXXX XXXX ) but to no avail.
Consumer complaint received 2017-11-27
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: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

XXXX XXXX XXXX XXXX has knowingly RE-AGED an account on my credit report by inaccurately changing the FCRA Compliance Date. The law clearly states under FCRA 623 ( a ) ( 5 ), that the DOFD MUST be based on information obtained by the ORIGINIAL CREDITOR. XXXX XXXX XXXX is NOT the original creditor. 

Attached are credit reports and a demand letter from XXXX XXXX, PA dated X/XX/2007 which clearly substantiate you are fraudulently furnishing false information and responses with inaccurate data in an effort to undermine the law and severely damage my credit. 

Your responses thus far have been unsatisfactory as valid proof of the FCRA Compliance Date.
Consumer complaint received 2020-12-01
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)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2021-11-28
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. (OR)

I sent a letter to Transunion, XXXX, and XXXX on XX/XX/21 about XXXX accounts they are reporting on my consumer report that I did not give consent to them to report. They are stealing and reselling my private information and it is fraud. They have XXXX days to perform an investigation and to respond they have failed to do so. They never removed the items from my consumer report during the investigation and they have not provided the names and phones number of those they interviewed in the investigation process. I sent a demand to comply letter since they did not do what they were supposed to do and they have a grave responsibility to do so. I never gave them the permissible purpose to furnish a consumer report on me. This is now hindering the ability to provide for my son because of the stress is this causing me. I can't sleep at night and have anxiety from these negative items on my consumer report. I feel that I am being taken advantage of and they are profiting from my name. I am beyond upset.
Consumer complaint received 2021-04-10
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: Experian Information Solutions Inc. (IA)

I disputed a newly added account the day I saw it add itself to my report. In the dispute results, it said I was correct but they updated unrelated information. It is still on my report. 

This was for medical debt that is supposed to have a 90 day period before it even shows up on my report. I was unaware of the debt and would like it to come off my report so that I can make payment arrangements with the creditor. 

The account is with XXXX XXXX XXXX. Apparently the account was opened XXXXand as of writing today has been only 69 days. I never received any communication of the debt previously. 
I tried that same day to reach out with their email communication form directly with the company and have not had a response there either.
Consumer complaint received 2020-11-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (MD)

In XX/XX/2020, I used Chrysler Capital 's online checking account payment platform to pay my monthly balance. I accidently did not include one of the zeros at the beginning of the account number. The payment was rejected and I was immediately assessed a XXXX $ fee. On XXXX I called Chrysler capital to ask about the fee, and explained that I has simply missed a zero. I could not believe that missing a digit in an online payment box would instantly result in a XXXX $ fee ( the fee assessed for bounced checks, etc ). I could not understand why the online platform marketed as 'PAY WITH CHECKING OR SAVINGS it's fast, easy and FREE! ' would be so quick to assess a fee. 

In any case, to keep my account current, I paid both the payment balance and the fee, but I expected that the fee would be reimbursed, based on my conversation with customer support on XXXX. 

When I checked later on XXXX, I was told that the fee could not be returned because it was already paid, and because it was 'in the contract ' that payments that did not go through were to be assessed a XXXX $ fee. Nevertheless, I explained my dismay and a customer service agent promised to elevate the problem again. 


On XXXX I called Chrysler capital again to complain about the fee and was told that it was denied because it had already been paid. 

I have asked repeatedly for more information on the fee, and was always told that it was 'in the contract '. I asked for specification on where it was in the contract, and never received any additional information. 

In any case, I view this fee as extremely unfair, and that the payment system was set up to solicit mistaken entries and assess fees. I would encourage people to avoid chrysler capital. 

I was promised that the fee would be
Consumer complaint received 2020-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (NY)

PNC will not let me connect to third-party banking/savings app XXXX. This has not been an issue in the past but now PNC is saying I do not have a valid mobile number when my current number has been enrolled in PNC banking since 2014.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Reviewed most recent credit report from ( insert credit bureau name ) and I noticed inquires that did not belong to me. After reaching out to the creditors I was advised they did not have a record on file of me applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was meant with push-back even though I expressed the inquiries in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

Per : 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2020-06-03
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

This is a XXXX  account, for my company, and is not a personal credit card account. No documentation or signature or authorization was ever provided outside of XXXX   application, and outside of any upfront disclosures, and outside of any transparency as to personal credit reporting. Account is not mine. Account belongs to XXXX.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (MD)

I received a credit card in the mail from Synchrony Financial located in XXXX FL. The account was opened on XX/XX/18 without my knowledge or consent. It appears on my credit report from all 3 reporting agencies and includes a hard inquiry from the same company. I neither applied for or authorized the inquiry or the opening of the account. I have contacted Synchrony Financial and it has not been closed or removed from my credit reports. The company would not say who applied for the credit card and I suspect they did this on their own without permission.
Consumer complaint received 2021-10-19
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)

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listings. 

XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$120.00} There are no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from XXXX  XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2021-10-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC (CO)

RE : loan number XXXX This letter is to dispute the credit bureau notification that occurred on our mortgage account in XXXX, XXXX for 180 days late and then again in XXXX, XXXX for 60 days late. We thought we were in forbearance and then learned we were denied the home modification but were told that we were still able to get into another resolution and paperwork was mailed out to us again for another option. However, we were unable to get into a workout solution until XX/XX/XXXX. Payments for XXXX, XXXX and XXXX we were under the impression that they were in forbearance and we came to learn they were not in XXXX and then were reported as late. Please consider our request to remove the negative credit reporting as we attempted over many months to make calls/inquiries to find another work out solution. We did not understand that this negative credit report was occurring as we were doing our best to reapply for another option. None of this would have happened, had we not been furloughed during the pandemic. I have been undergoing XXXX XXXX XXXX  and have tried my best to follow up on the documents, attempting to make regular calls to UWM to understand my options. Since our credit has plummeted after these reports, we are concerned for our financial future. When we disputed these reports with the individual credit bureaus the outcome notified us to contact UWM directly to discuss this situation. We are XXXX  XXXX  workers who were furloughed and thankfully we are working again but the impact of the negative credit reporting has been devastating.
Consumer complaint received 2021-10-19
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. (MO)

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 2020-09-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC. (AL)

I applied for a loan on XX/XX/2020 with netcredit. The advertisement online states that all credit types are accepted for quick and easy loans. I put in an application and was denied because of factors that made my credit score lower. So the overall reason for denial was my score itself. I feel stressed out enormously over an advertisement that stated quick and easy but has not been quick or easy and falsely advertised.
Consumer complaint received 2021-10-19
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: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file ; the items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission, and I have also enclosed copies of the federal trade commission 's identity theft affidavit. Delete the items as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX  XXXX : XX/XX/ XXXX
Consumer complaint received 2020-10-07
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. (VA)

I have sent correspondence over 60 days ago on XX/XX/2020 identifying inaccurate information requesting it be deleted and/or updated. To date I haven't received a response regarding this matter. I feel like Im being taking advantage of, I was also apart of the Equifax data breach. This has been a stressful experience for me
Consumer complaint received 2020-09-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc. (MS)

I sent a letter through the mail on XX/XX/XXXX and the company has not replied to my request of verifying the debt. 

Under the Fair Credit Reporting Act ( FCRA ), the company has 30 days to validate/verify the debt, if they are unable to verify they must remove the inaccuracies from my credit report, if not I will submit a complaint to the XXXX, FTC and I will contact my state Attorney General.
Consumer complaint received 2019-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (IL)

I am an identity theft victim. My computer was hacked in XX/XX/2018 while attempting to get customer service over the phone from XXXX for a printer installation. XXXX XXXX confirmed that all my information had be compromised. My email was compromised by receiving fraud emails from XXXX XXXX. I have been a victim of theft of my bank and credit accounts. XXXX is one account that has been established during this theft. I have submitted identity fraud reports and police reports to all credit bureaus as well as this company. They continue to harass me as I am a victim.
Consumer complaint received 2020-12-01
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

This account is reported inaccurately across the bureaus. The payment history does not conform with all the reporting bureaus and the date of last activity as well. I do not want to see this in my report.
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I paid off the balance to my Wife 's Bank of America credit card ending in XXXX on XX/XX/2020 and paid the actual pay off amount. Approximately 15 days later I received a bill stating that I had a balance due of {$99.00}. I called the collections department explained the situation to them and received assurances that this was a mistake and the fees would be removed and the account marked paid in full. I have since received yet another bill for the same amount due of {$99.00} and tried to call to only be told that there was nothing that could be done but to call the collections again.
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX was reporting me late for almost 2 years even after i disputed the wrong information and the dispute took more then 30 days after disputing this for more then 8 times, and so did n't the credit bureaus do the ultimate job to investigate my disputes if they would do their job they would see that i was n't late on this account.
Consumer complaint received 2021-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (CO)

Last Spring I noticed several weekly payments coming out of my account from XXXX XXXX XXXX. I called them and asked what this was and they couldn't give me any information as I didn't have an account with them. I asked them " why then are you taking out money from my bank account? '' They suggested I call my bank. 

I called my XXXX XXXX  and they started an investigation and issued me a new debit card as that was how the monies were being removed. They reimbursed me all the funds. 

Sometime in XXXX I started receiving phone calls from a company that said they were trying to collect on the debt. I relayed the same info to them as above. They told me that they were emailing me information. I asked what email they were using and it wasn't mine. Something like XXXX???? 

I then called XXXX County Sheriff Office and spoke with a Deputy who said that this was a common ploy and that I should just tell the people who called that it wasn't my debt and hang-up. He also suggested I keep a watch I my credit report. When I looked today, I found a negative report from Security Credit Services in the amount of {$1400.00}. I called XXXX and disputed the report. They suggested I file a claim with the FTC.gov which I am doing today. 

Can you please help?