davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.
Consumer complaint received 2020-11-19
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}, {$3000.00}, {$14000.00}, {$2600.00}, {$12000.00}, {$10000.00}, {$6000.00}, {$5900.00}.

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

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNT 8. XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-03-29
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. has violated my rights. 

15 U.S.C 1681 Section 602A. 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 an account without my written instructions.
Consumer complaint received 2017-08-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Main Street Personal Finance (LA)

I came into hardship when i had an XXXX XXXX i was out of work for almost 6 weeks before my loan was due i told them of the situation i came in before the day before i was due to see if i could get out on a Payment plan XXXX told me that would Just take longer to pay out and more money from me i told her i cant keep renewing loan she told if i can just bring in the XXXX how i did last time with XXXX that will be fine 2 days later i went back out of work again XXXX called me i told her i do not have anything i am not at work she asked if i could find someone to borrow XXXX dollars from i told her i will try but i doubt it she called my job my manager has told them to stop calling when i was relieved from the doctor to return back to work my very first day back i received a call from XXXX i told her i can not receive calls her and prior to that my manager has told her that today XXXX XXXX,2017 at approximately XXXX i received a call from XXXX stating she was XXXX with approved cash demanding i come in today to Renew or pay off my loan or she will take me to court i then told her i ask you to not call here and your calling me on a cell phone i then hung. This company has been doing rollovers when they know a customer cant afford to bring the whole payback amount, they denied me the extended Payment plan, wont stop calling my place of employment, and has threatened me with legal while im at work on a work landline, this is embarrassment, harrassment and due to this i am now getting wrote up by my employer for personal calls and could be possibly terminated
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I filed four separate rounds of dispute letters to each of the three Credit Reporting Agencies ( TransUnion, XXXX, and XXXX ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX & XX/XX/XXXX. Requesting that the Bankruptcy being reported on my Consumer Credit Report, and all associated accounts with this bankruptcy be removed since this information has not been verified. Per the FCRA all information reported on a consumer 's credit report must be verified as accurate and correct.

I sent in four separate dispute letters to each of the three Credit Reporting Agencies and was told on four separate occasions, by each agency that the information was verified as belonging to me. However, there was no supporting evidence sent to me to show that an investigation was ever done. 

Per the FCRA, all information entered into a consumer 's credit report must be verified with the original party involved, and can not be verified by a third party. I have a letter dated XX/XX/XXXX from the Clerk of Court, U.S. Courthouse stating that their office does not disclose bankruptcy information to Credit Reporting Agencies, or third parties.
Consumer complaint received 2020-11-19
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}, {$3000.00}, {$14000.00}, {$2600.00}, {$12000.00}, {$10000.00}, {$6000.00}, {$5900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNT 8. XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.
Consumer complaint received 2022-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P. (CA)

I received a letter dated XX/XX/22 from XXXX XXXX and I gave the a call asking for a debt validation. I was told that in order to send this out I needed to provide the last for of my SSN or my date of birth after I gave the ref # to them. I called again on XX/XX/22 a at XXXX after calling more then XXXX times and each person I spoke with told me that is needed to provide this information to them in order to validate. I sent them a letter on XX/XX/22 asking to verify this debit as well. They are listed as the buyer if this debit on my credit report as well on XX/XX/22 after they sent me the letter on XX/XX/22.
Consumer complaint received 2019-10-03
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bryant, Hodge & Associates LLC (NE)

Received text message from XXXX saying, " XXXX, Hey its XXXX. Please give me a call today when you have a chance. Thanks '' Called the number and spoke to a person name XXXX with " Bryant, Hodge & Associates '' about a payday loan from XX/XX/XXXX for over {$500.00} and offering to settle for only {$200.00}. This offer was due to the multiple attempts to contact me to pay this off. I stated that I have not received such attempts and asked him when. He said that this was sent to his office on XX/XX/XXXX and that a notice was sent to me the same day. He also stated that they have attempted to call me multiple times, but no calls received. This was the only notice that they would have sent me, and that they are not going to waste more money to send me letters if I am not going to respond. He mentioned most people are morally obligated to pay this and stated that I am not legally obligated to pay without proper written notice. He told me that they will continue to call me and I said I have yet to receive one phone call, which we stated you will now and hung up. 
I called back and spoke to " XXXX '' and he asked for my e-mail address to send a notice. I told him legally he has to send me written notice via USPS and he said fine and hung up. 

This is a failure of the following : Falsification of statements Attempts to collect debt not owed, even after over 7 years ) Never received notice of a debt Was never informed when calling that this was an attempt to collect a debt
Consumer complaint received 2019-10-29
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 (MI)

LexisNexis is reporting incorrect information to the insurance agency which has nearly doubles our home and Auto insurance. 
They are reporting an accident and claim from XX/XX/2018 this is not accurate. 

The XX/XX/2018 accident was another individual who was driving my daughters car. 
My daughter had her own Auto policy through XXXX XXXX XXXX that was separate from ours. 
We also have A XXXX XXXX XXXX policy, but again our daughter is not on it now nor was she on it at the time of the accident and XXXX XXXX is very aware of this because that incident is currently in litigation.
Consumer complaint received 2019-10-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC (IL)

I have never received anything in writing about this debt and it has been placed on my credit report as a collection. I believe this may be a time barred debt from XXXX, yet the collection agency put this on my report as if it was opened in XXXX of XXXX. The statute of limitations has passed on this debt and I would like for this to be removed from my credit immediately and for all the " hang up '' and repeated phone calls to end immediately.
Consumer complaint received 2017-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: LoanHero, Inc (TN)

Loan Hero contacted me claiming/stating they was part of the federal government. They said that I can re finance my loans with the government. They stated that the service was free. They told me that I would have to make a separate payment and that payment will be the interest and that I will make a regular monthly payment for my loans. But the separate payment was n't for the interest it was for the fee they charge me to set up my repayments. After I made 1st payments and started receiving letters for the fed loans ( government ) they said that the service is free and that loan hero never should have charged me. Loan hero is using a collection agency to collect {$1300.00} from me. I attempted to not pay and tell them the service was suppose to be free and that loan hero lied to me / mis lead me but they threaten to ruin my credit if I did n't pay. They said they have all personal information including my ss #. 

Loan Hero mis lead me into thinking that the {$1300.00} was not a fee and it was part of my loan interest. But in reality the {$1300.00} was a charge for them to obtain my personal information and forwarded it over to fed loans ( Government ). Loan Hero charged me for a service that suppose to be FREE.
I did attempted to resolve this with Loan hero and XXXX XXXX XXXX. But companies threaten to ruin my credit, sue, etc if I did n't pay.
Consumer complaint received 2017-10-17
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: CHECK INTO CASH INC. (TX)

XXXX XXXX appeared on my credit report on XX/XX/XXXX and on XX/XX/XXXX. I have never applied for an XXXX XXXX card. I been an authorized user on my mother card the last past 3 years. 
XXXX XXXX appeared on my credit twice as an inquiry on XX/XX/XXXX. I reached out to them and I was told they could n't give me any information on the account because I could n't verify any information. 
XXXX appeared on my credit report as an inquiry on XX/XX/XXXX. I did not authorize this inquiry. 
Check into Cash appeared on my credit report as an inquiry twice on XX/XX/XXXX. I called several times regarding this matter I could not get in touch with anyone. 
XXXX appeared on my credit on XX/XX/XXXX and XX/XX/XXXX. I 've been an authorized user on XXXX XXXX XXXX account since XX/XX/XXXX.
XXXX/XXXX appeared on my credit as an inquiry on XX/XX/XXXX.  I never had an account with this company. 
XXXX XXXX appeared on my credit report on XX/XX/XXXX. I do n't know where this company is located but I did not authorize this inquiry.
XXXX/XXXX  appeared on my credit report XX/XX/XXXX. I did not authorize this inquiry. I tried calling but I can never get through to who I suppose to talk to about this matter.
If you need any documentation you can email me at XXXX. 
Thanks
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2019-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (TX)

I first began my membership with NFCU as a joint owner on another member 's checking account and while on that account, I experienced an instance of a fraudulent ATM withdrawal at a NFCU ATM for {$500.00}. I filed a fraud claim on the transaction and was issued an immediate provisional credit for the charge. Approximately 30 days ago, I processed the formal removal of myself from that account and opened my own personal Account with them separately. Subsequently to having done these things, NFCU decided to deny the claim and reverse the provisional credit that was previously issued for {$500.00} but instead of deducting this amount from the same account in which it had been deposited, they illegitimately changed over to my newly opened personal account and withdrew the funds from there instead of the matching account which it originated in the first place. The two accounts have nothing linking them and the institution had no right to debit these funds from my account and I am alleging fraud at this juncture. I have attempted contact numerous times and received no help and now need intervention.
Consumer complaint received 2019-10-29
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. (FL)

THE INQUIRIES LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. PLEASE THOSE INACCURATELY PLACED INQUIRIES NEEDS TO BE REMOVED OFF MY CREDIT.
Consumer complaint received 2017-10-17
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: FACTUAL DATA CORP. (TX)

XXXX XXXX appeared on my credit report on XX/XX/XXXX and on XX/XX/XXXX. I have never applied for an XXXX XXXX card. I been an authorized user on my mother card the last past 3 years. 
Factual Data appeared on my credit twice as an inquiry on XX/XX/XXXX. I reached out to them and I was told they could n't give me any information on the account because I could n't verify any information. 
XXXX appeared on my credit report as an inquiry on XX/XX/XXXX. I did not authorize this inquiry.
XXXX XXXX XXXX  appeared on my credit report as an inquiry twice on XX/XX/XXXX. I called several times regarding this matter I could not get in touch with anyone.
XXXX appeared on my credit on XX/XX/XXXX and XX/XX/XXXX. I 've been an authorized user on XXXX XXXX XXXX account since XX/XX/XXXX.
XXXX/XXXX appeared on my credit as an inquiry on XX/XX/XXXX. I never had an account with this company.
XXXX XXXX appeared on my credit report on XX/XX/XXXX. I do n't know where this company is located but I did not authorize this inquiry.
XXXX/XXXX appeared on my credit report XX/XX/XXXX. I did not authorize this inquiry. I tried calling but I can never get through to who I suppose to talk to about this matter. 

If you need any documentation you can email me at XXXX. 
Thanks
Consumer complaint received 2022-04-05
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. (SC)

I disputed harmful and damaging fraud items contained in my Transunion credit report. I sent them my FTC ID theft report and DL along with a formal request letter requesting those items be blocked/deleted pursuant to section 605b of the FCRA. Transunion continues to report these items as verified. This is a violation of my consumer rights under identity theft. The act of willful non compliance to this matter is steadily causing me damages. I submit this complaint in attempt to correct the wrong
Consumer complaint received 2019-10-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC (SC)

XXXX XXXX ( solar installer ) used predatory practices to get me to sign a solar contract with them and they're the company that brought Mosaic ( lending agency ) to the table. Mosaic as the leading agency paid the invoices for the work that they said was complete but was never working, does that sound complete to you? I was told by XXXX XXXX XXXX that i would not have a utilities bill and if i did that XXXX would add panels until they got my bill was offset. I learned thats not true because when the sun goes down with this system that i would need power from my utilities company. Also XXXX XXXX XXXX told me that i would be getting a XXXX tax return again not true i would get a tax credit which ill never use before runs out. i would never have signed the contract if i had truly known the truth of how solar really worked. And because of the predatory practices used by XXXX and Mosaic am locked into a 20 year contract that since am not getting the refund as i was told by there solar specialist i want be able to pay the 33 % of loan off before the 16 months ends which will lock me into 20 years of XXXX month payment without ever lowering payment on top of using XXXX worth of power from my utilities company. Am not the only person that XXXX & Mosaic have done this too. Mosaic dosent seem to care that my system doesn't work or the way that XXXX went about obtaining a signed contract
Consumer complaint received 2021-11-03
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. (PA)

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.