davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-23
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: EQUIFAX, INC. (NC)

I am reaching out for you to delete the following information in my file. A full description of the items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items are completely and fully deleted to correct my credit report. I've reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-07-29
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. (GA)

On X/XX/2017, I mailed a dispute letter to XXXX asking them to remove a negative account, XXXX XXXX XXXX from my credit report OR to verify that the debt belonged to me and to send me the name, address and phone number of the person that verified the debt. I wanted them to obtain physical proof. The dispute result came back as " updated and verified ''. In addition, XXXX has allowed this company to raise the balance owed on more than one occasion. I have NO open account with this company and yet, XXXX keeps allowing them to raise the balance. I am desperately trying to buy a home and this is keeping me from that goal.
Consumer complaint received 2017-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

XXXX XXXXl attacking my credit scores for their error -opted for automatic payments in XXXX XXXX -XXXX set it up incorrectly -The XXXX 2017 payment was not made ( I was not aware ) No warning. No notice. No contact until XXXX 2017. Nothing reported by them to the credit agencies that I was delinquent until XXXX
2017. When they told me I was delinquent I paid within three days ( I had to wait to get paid ) Now my credit has dropped hundreds of points and I want to seek legal action. Just gross incompetence.
Consumer complaint received 2019-08-12
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: CREDIT ACCEPTANCE CORPORATION (OH)

There was a car loan open in my name that I didnt approve of nor knew about. Credit a acceptance keep saying these inaccurate charges belongs to me. Someone stole my identity and opened a account. There are fake bank statements that i never approved of nor knew a account was opened with credit acceptance they said their is a payment arrangement that was set up but I never sat up a payment arrangement and it must be there employees trying to force me to make a payment to them on a fraudulent account.
Consumer complaint received 2018-09-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (FL)

I had a debt that as that has turned into a time-barred debt. The collector XXXX XXXX  XXXX I believe has broken the law and has garnisheed my wages on a debt 10 years old.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

I SENT A XXXX CHECK TO EQIFAX AND ALL THE REQUIRED INFORMATION BY CERTIFED MAIL. MY TRACKING NUMBER SAID THAT THE DOCUMENTS WERE RECEIVED INCLUDING COPIES OF MY SOCIAL SECURITY CARD, DRIVERS LICENSE, COPY OF MY BANK STATEMENT SIGNED STATEMENT E-MAIL ADDRESS HOME ADDRESS TO FREEZE MY CREDIT PERMANENTLY. I HAVE NOT HEARD A THING FROM THESE PEOPLE AND MY CHECK HAS NOT BEEN CASHED. I DONT TRUST THESE PEOPLE NOW.
Consumer complaint received 2021-02-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FMS Inc. (ID)

I have two other complaints for the same issue, but with different companies. I had a dispute with XXXX XXXX XXXX XXXX XXXX stemming from a XX/XX/2019 ER visit. That debt was sold to a collector. I disputed this charge with the CFPB XXXX XXXX XXXX XXXX, then later with a collections company. Both of them have pointed the finger at each other, and I have now received a notice from yet another collections agency, XXXX FMS for the same debt.
Consumer complaint received 2019-03-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Corp Solutions Inc. (IL)

Credit Corp solutions-Contacted a number not listed on application of debt. I believe they are phishing and contacting people who may be associated with my name online as possible friends or family. Told the company to contact me directly via the contact provided to original debtor. Told them to stop phishing and searching the internet for contact related to me.
Consumer complaint received 2019-08-12
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. (TX)

Equifax is reporting a duplicate account for XXXX XXXX XXXX. I disputed in XX/XX/XXXX that a payment that XXXX XXXX is reporting I missed in XX/XX/2015 so the balance is inaccurate. Sent in copies of my bank statements showing proof. My dispute was ignored as payments were reporting correctly. How can a account report correctly if I have proof of the payment. Then in XX/XX/XXXX I received noticed that XXXX XXXX   was reporting a new account and credit score dropped 45 points. After review of the account I found it has the same account number, same balance, but the open date is the only thing different. So, I disputed again and I was ignored. Now a remark was added to the account has caused another 35 point drop as of today. I have been denied during this time. I need to be heard this is hurting my credit. 1. They never verified the missed payments as I sent in proof. 2. They are reporting duplicate account.
Consumer complaint received 2018-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a Direct Dispute through XXXX XXXX 's dispute center, and according to XXXX XXXX, the dispute was reported to TransUnion on XX/XX/2018. I've periodically checked back on XXXX XXXX to look at the status. This is what it says every time : Your dispute request has been submitted to TransUnion and is currently waiting for their review. You should receive an update in the next few days regarding the status of your dispute request. 

If you have specific questions regarding your dispute request or need to submit additional information, please contact TransUnion using the address shown below. 

It also had provided a file complaint number I can provide. 

On XX/XX/2018 I called TransUnion dispute center and the woman said she had to knowledge of the dispute being place in the first place. She was not helpful. I called back and go in contact with the question/concern department and the woman said she couldn't find them either. 

I explained I have been waiting 60 days for a dispute report, just to find out it was never properly taken care of by TransUnion. All the woman offered was to restart the dispute again, and wait an additional thirty days for a response. 

Here is what is included in the dispute that was submitted to TransUnion on XX/XX/2018 : * XXXX {$2600.00} * XXXX {$230.00} * XXXX {$140.00} * XXXX  {$820.00} * XXXX XXXX   {$30.00} * XXXX XXXX {$130.00} * XXXX {$710.00} * XXXX {$120.00} *XXXX  {$1000.00}
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

So I have been a victim of identity theft with Oklahoma XXXX XXXX  and edd unemployment insurance I was XXXX XXXX XXXX XXXX during the time of the victimizer using my information to obtain multiple payments I have reached out to Bank of America and Oklahoma XXXX XXXX I have provided all required documents showing my XXXX  and other supporting evidence just to be denied I really need help retrieving all the money that was stolen from me during my XXXX I have been lied to and no resolution for my case has been provided except denials I dont know what else to do
Consumer complaint received 2019-03-04
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. (FL)

It is obvious that you dont have any proof on file to verify that these accounts belong on my file. When we go to litigation you will be required to produce the documents you used to verify these items through the discovery process and since you dont have any documents in your files verifying that these items are valid then that will be proof that you did not properly verify the accounts and they will have to be deleted and Ill be  entitled to damages.
Consumer complaint received 2019-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (WA)

Nordstrom Colorado Service Center XXXX XXXX XXXX XXXX, CO XXXX Card XXXX XXXX ( account now closed ) At some point over past year, I was switched without my consent to online statements only ( ending paper delivery ). Because my Nordstrom account was attached to a personal email account I rarely check ( because it is continually cluttered with spam from third-party entities who have been sold my data ), I ended up being past due on a statement because I received no letter in the post.

I called customer service on XX/XX/XXXX, paid the bill ( {$460.00} ) and the operator refunded the late fees. I then switched back to paper statements online. However, the same incident has occurred again somehow I was switched back to paperless without my consent, I missed another bill, and was late again.

Today I paid my bill on the phone ( {$120.00} ), and closed my account with Nordstrom ( XX/XX/XXXX ).

It is good Nordstrom refunded the fees associated with this problem, but I imagine this has done some damage to my credit score.

I am not sure whether the issue is that 1 ) there is some technical glitch that is not registering my change 2 ) there is a protocol in place for cardholders to be automatically switched without being asked for permission. 3 ) It is also possible Nordstrom does this intentionally to collect additional fees and have the opportunity to increase interest rates.
Consumer complaint received 2017-09-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Halsted Financial Services, LLC. (TX)

I have been received phone calls from XXXX today I called the number back was advised that this is regarding a debt from 2011 from a payday loan. since this is a debt collection company I was NOT advised of my mini Miranda right since this was the initial contact that I had with company, according to the FDCPA it has violated the Fair Debt Collection Practices Act, the law that governs what debt collectors can and ca n't do.. I advised the representative that I never had such debt and if I did it was included in my bankruptcy. She began to get rude and would not let me speak and then disconnected the call when I attempted to ask her to validate the debt and send the information to the address they had on file. she hung up. I called back and she stated that they call dropped and then I once again requested they validate the debt. she gave an address that I have not lived at in over 10 years. this company is a scam and they are attempting to extort money that is not owed and threatening to take legal action with no validity to the debt.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account XXXX : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX XXXX Account Name : XXXX - XXXX XXXX Account # XXXX  XXXX Account Name : XXXX, XXXX Account # XXXX  XXXX Account Name : XXXX XXXX XXXX Account # XXXX  XXXX Account Name : XXXX XXXX XXXX  Account # XXXX  XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX  XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2019-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE BEEN ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-08-12
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: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE BEEN ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-03-04
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. (CA)

I pulled my credit report last night and i noticed several unauthorized inquires that do not belong to me. Please remove the inquires from my report as soon as possible, for these are results of identity theft. 

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 2019-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

My original mortgage servicer, XXXX, was bought out by LoanCare. When LoanCare took over, I received a new address and loan number to send in my payments. I did that timely for each month the loan payment was due. After month one, XX/XX/XXXX, LoanCare said they did not receive my payment. I let it go thinking they needed time to find me in the system. After month two, XX/XX/XXXX, my payment was again not received, or so they said. What was really happening was my payments were not being applied to my account specifically due to their error. After speaking with them on multiple occasions, they could see the payments were made but had been pointed to the wrong account. I was told initially that they would handle the problem. The final time I called, because I received another letter ( or two, I can not remember ), that threatened fore-closure, I was told that it would be taken care of in 3 days. That was XX/XX/XXXX. On XX/XX/XXXX, I received a letter stating that I was in Pre-Foreclosure! My loan is not in arrears and the company, LoanCare is absolutely in error with my payments!!
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

On XX/XX/XXXX, I went to my bank to speak with a banker and was advised that TransUnion had collection accounts that have been cleared by XXXX and XXXX. I attempted to log onto the website and purchase a credit monitoring service so that I can track my score and dispute the incorrect accounts. On 4 separate occasions, I attempted to contact customer service because online and mobile applications did not allow me to purchase the service. These dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

The did not correct my problem and had no resolution. I am unable to check my score or dispute accounts using these tools.

I am attempting to purchase a house an their scoring is preventing me from moving forward. I need assistance.
Consumer complaint received 2022-11-18
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)

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date Opened : XX/XX/2019 Balance : {$11000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$3700.00}, XXXX XXXX XXXX Opened : XX/XX/2019 Balance : {$5000.00}, XXXX XXXX Date XXXX : XX/XX/2019 Balance : {$7900.00}, and XXXX XXXX Date Opened XXXX XX/XX/2019 Balance : {$7600.00}.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cascade CISS Holdings, LLC (AL)

I have XXXX unauthorized inquiries on my transunion report. I need them to be removed, I have no knowledge of these inquiries. 
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 2022-01-08
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: Experian Information Solutions Inc. (CA)

Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file immediately because I did not authorize them and they are fraudulent.
Consumer complaint received 2020-11-04
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. (GA)

When I opened the XXXX XXXX  account and got a loan with them in XX/XX/XXXX, shortly after, my bank card that they automatically withdraw fees/payment from was compromised. I immediately reached out to them through their app, and updated the payment method. When I saw it did not automatically withdraw on the due date I called them to see why. They told me it had not updated in their system and that they would waive any late fees if I just paid right then. So I paid all of the payments right then. After updating my payment method over the phone with a person, I never had any issues with payments being taken out of my account and was paid in full by XX/XX/XXXX. I recently got a subscription for experian and saw they were reporting I was late more than 30 days almost 6 months in a row. This was impossible! I reached out to them and they would not remove this from my credit report, and said I would have to dispute it. They have still not removed this inaccuracies to this date.