davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have contacted XXXX, XXXX, and Experian, several times by mail and by phone. This is regarding an account with XXXX XXXX XXXX. I have also contacted XXXX serval times by mail and by phone. The account is reporting on my credit report is inaccurate, not valid, and not meeting FCRA requirements. I have sent 3 letter to each credit burau and three letters to XXXX informing them the account has yet to be removed. The credit bureaus have not provided me any documentation showing how this account was " allegedly '' verified. I have file for identify theft and a credit feezed serval time as my information was apart of a data breach.
Consumer complaint received 2020-08-20
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)

Contacted all three major credit bureaus today XX/XX/XXXX, XXXX XXXX XXXX reported the delinquency in XXXX of XXXX, according to Fair debt credit reporting that negative information should be removed 7 years from first report date, I have requested all three to remove and all they do is update. Moreover experian has a XXXX report date ( totally incorrect, fraudulently ) when the other two credit bureaus have XX/XX/XXXX first report date. It has been more than 7 years since first report date, and also moved to a collection agency as well, XXXX XXXX XXXX should legally be removed ...
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

On XX/XX/XXXX I received notification from the various monitoring mechanisms that I have in place of an account reported as past due and over the limit. I do have an account with the lender but the actual account information doesnt match what is being reported under my name and social security number. 

My account was opened on or about XX/XX/XXXX the credit alert reports the account was opened on XX/XX/XXXX My account has a current balance of {$420.00}, a statement balance of {$90.00} and a credit limit of {$800.00} the alert reports a balance of {$1500.00}. I have never had a balance nearly that high which in fact exceeds my credit limit. 
My account has never been delinquent the alert reports my account as delinquent I contacted XXXX via phone on XX/XX/XXXX for resolution I spoke with XXXX who was unable to resolve the issue or offer any explanation. She opened a ticket under XXXX for the appropriate department.
Consumer complaint received 2021-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Payment was made on two accounts on XX/XX/21. 
The company agreed to settle the accounts and to remove both from my credit report. 
Both accounts are still open on my report, and the balances were only reduced by the settlement amount.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (LA)

I have requested for any late payments on this account be removed or reversed. According to 15 USC 1666b - Timing of Payments - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637b of this title. 
The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. 
The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor or services on credit.
Consumer complaint received 2020-07-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (TX)

On XX/XX/2020 I received email that my balance was now XXXX. I requested a deletion of the item off of my credit on XXXX XXXX by email to the same person whom sent the XXXX balance info, but no reply received. Therefore I called and was transferred to XXXX voicemail.  Today XX/XX/2020, he calls back very sarcastic stating the company will not remove the item. I've attempt to call this company on several occasions to request the removal but still as of today the item remains.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted Transunion, XXXX, and XXXX, several times by mail and by phone. This is regarding an account with XXXX XXXX XXXX. I have also contacted XXXX serval times by mail and by phone. The account is reporting on my credit report is inaccurate, not valid, and not meeting FCRA requirements. I have sent 3 letter to each credit burau and three letters to XXXX informing them the account has yet to be removed. The credit bureaus have not provided me any documentation showing how this account was " allegedly '' verified. I have file for identify theft and a credit feezed serval time as my information was apart of a data breach.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (PA)

I am unaware of this debt I did not have an opportunity to dispute this information. If in fact you believe you gave me proper notification then please provide/send me the certified return receipt with my signature. If not I request that this information ( MIDLAND CRED  Acct. No. XXXX ) be removed from my consumer report immediately in light of my consumer rights being violated.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED FOR MY XXXX XXXX  ON XX/XX/XXXX AND XX/XX/XXXX. AND FOR MY BANK OF AMERICA I HAVE LATES REPORTING ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. I'VE HAD PERSONAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2020-04-28
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (CA)

My account was transferred to XXXX XXXX XXXX XXXX account number XXXX the we reached and agreement to settle paid XX/XX/20. Requested they report to vw credit to adjust my credit file not completed to date still shows a balance.
Consumer complaint received 2018-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

My XXXX XXXX XXXX credit card was use I try many times to file a dispute with my bank and my claim got denied. I have filed police report XXXX and I was not aware of the charges made on my XXXX credit card and I did not authorize the purchase on my account. I also have 8 hard inquiries that Im unaware of as well and I have no knowledge of the information use to untainted credit use of my personal information. I am requesting that all 8 hard inquiries be removed from my credit report for all 3 credit bureaus XXXX XXXX and XXXX
Consumer complaint received 2020-07-15
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. (TX)

XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX Inquiry from XXXX  XXXX, XXXX + Auto FinancingXX/XX/XXXXXXXX XXXX Inquiry from XXXX XXXX, XXXX + Automobile Dealers, New   XX/XX/XXXXXXXX Inquiry from XX/XX/XXXX XXXX, XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XX/XX/XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX XXXX, XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, New XXXX - XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XX/XX/XXXX- XX/XX/XXXXInquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX - XX/XX/XXXXInquiry from XX/XX/XXXX + Miscellaneous Utilities XX/XX/XXXXXXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XX/XX/XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXXXX/XX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX9 + All BanksXX/XX/XXXX -XX/XX/XXXXInquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXXXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX + All Banks all ftc violations sent to them 60 days ago
Consumer complaint received 2020-07-15
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: Experian Information Solutions Inc. (MO)

I recently sent letters over 60 days ago to this bureau and they are disregarding my consumer dispute. Im stressed and have been sending letters before this and still no response. I am at the end of the road and filling this complaint. At this point I dont know what to do, about getting these items removed from my credit report. With these items on my report I am unable to get employment in my field and having difficulty finding housing. I would greatly appreciate your help.
Consumer complaint received 2018-02-22
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)

This is my second attempt to reach out to your company. It has been 90 days since Ive received any response from your company. I have attached a letter and I would like for you to perform an internal investigation and remove the erroneous accounts you have listed on my report. I have attached an FTC report. I am allowing 5 days for your company to remove the erroneous accounts off my report permanently. I have record that this is my second attempt.
Consumer complaint received 2018-06-15
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: Southwest Credit Systems, L.P. (TX)

I am writing to request a correction of the following information that appears on my credit report [ XXXX, XXXX, XXXX ] Account Name : XXXX XXXX XXXX- XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX- XXXX XXXX XXXX Im the victim of identity theft and I dont recognize these accounts on my report. Please provide evidence the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information.
Consumer complaint received 2022-09-10
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act, XXXX XXXX, XXXX # XXXX  XXXX, or XXXX, has violated my rights. 

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 I have not given written instructions for this account to be furnished on my credit file.
Consumer complaint received 2022-09-10
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. (PA)

On XX/XX/XXXX I received notification from the various monitoring mechanisms that I have in place of an account reported as past due and over the limit. I do have an account with the lender but the actual account information doesnt match what is being reported under my name and social security number. 

My account was opened on or about XX/XX/XXXX the credit alert reports the account was opened on XX/XX/XXXX My account has a current balance of {$420.00}, a statement balance of {$90.00} and a credit limit of {$800.00} the alert reports a balance of {$1500.00}. I have never had a balance nearly that high which in fact exceeds my credit limit. 
My account has never been delinquent the alert reports my account as delinquent I contacted XXXX via phone on XX/XX/XXXX for resolution I spoke with XXXX who was unable to resolve the issue or offer any explanation. She opened a ticket under XXXX for the appropriate department.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XXXXXXXX  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 XXXXXX/XX/XXXX
Consumer complaint received 2022-09-10
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: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 

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 instruction.
Consumer complaint received 2020-08-19
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. (IL)

XXXX XXXX XXXX is fraudulent on my Acct # XXXX. XXXX/XXXX  is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my credit Acct # XXXX.
Consumer complaint received 2020-08-19
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. (AL)

I am a victim of identity theft, please remove these fraudulent accounts from my credit report. I never authorized any off these accounts, I am a victim of fraud and these accounts on my credit report are further victimizing me.
Consumer complaint received 2024-03-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

XXXX Received the card for a XXXX gift for something special I had wanted XXXX Shopped for my items and tore open the gift card the packaging seemed very secure as it took some time to get it open. 

I gave it to the store owner and he tried several times to swipe it through the system. 

I then asked if he could enter the number into the system manually when he tried to do this he noticed that part of the numbers were smeared out how could this happen when the packaging seemed so secure. 

I called the number on the back of the card 2 calls First gave me 2 numbers and told me to click on those on my phone I did so someone answered which seemed like it was from a foreign country then hung up. Also on the message was for me to go to vanilla XXXX which is not their official website and is fraudulent the right one is vanillagift.com per XXXX I called a 2nd time and received 2 different numbers to click on the phone ended up with someone who I am sure was in a foreign country I asked several times where she was located and she first told me the address of the company when I said I wanted to know where she was she said she wasnt allowed to say. 
I then told her my story very embarrassing as I am in the store and frustrated with her. She then told me she needed. My birthdate I said there was no reason for her to ask for this information how would it help her? She kept telling me she couldnt help me with a refund without that information I told her no she then asked for my email address which I did give her thinking it was not as big a deal.She then asked for my address I told her no she said there was no way to help me if I didnt provide the information I again stated I wouldnt she then told me she couldnt help me without it but there was probably no way for me to get a refund anyway. 

I finally ended up just paying with my credit card very embarrassed at the store. 

XXXX When I returened home I started to do research on-line and found the video from XXXX XXXX where the city attorney said they were suing the company. 

I told my cousin She has reached out to her credit card company, Somehow she has found out the card was used on XX/XX/XXXX my purchase was on XX/XX/XXXX I received it on XX/XX/XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, has Violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

( XXXX XXXX XXXX  ) XXXX XXXXXXXX XXXX  : Balance {$210.00} Date opened : XXXX XXXX Account numberXXXX Contact Info : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX Phone number : ( XXXX ) XXXX
Consumer complaint received 2022-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

This is a bill from a electric company XXXX XXXX They found my name but at another address we have lived at this address for the last 7 years We have used XXXX XXXX XXXX XXXX ever since moving here
Consumer complaint received 2020-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am a victim of identity theft, please remove these fraudulent accounts from my credit report. I never authorized any off these accounts, I am a victim of fraud and these accounts on my credit report are further victimizing me.
Consumer complaint received 2020-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

I have been impacted by covid pandemic. We are unemployed both myself and my husband with no income. We barely have anything to pay home, utilities and food. The company was reached several times. They refused to give me forbearance or deferred on account of a pandemic. This is inconceivable.They are forcing me into making monthly payment with income that I do not have,. I wanted to request deferred for year until things get better hopefully by then I can resume my payments as described. They will force me into income then change the monthly as described in their forms.very deceptive .This is unethical and unjust when I am unemployed due to the covid pandemic. They found loopholes to say they dont fall under cares act. Claiming they are under banking ... This is contradiction, of which all banking institutions have given deferred on mortgages loans and credit cards. How do they justify these loopholes.
Consumer complaint received 2019-05-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I am a XXXX XXXX XXXX XXXX homeowner who paid my mortgage on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX through XXXX XXXX. I pay through this company because Bayview Loan servicing always says they didnt get the payment or its late. When I got a letter of foreclosure process starting in XX/XX/XXXX. I was confused. They said I was 6 months behind. I called them and they said they returned my payments. Why I asked. I really dont know XXXX with Bayview Said. So I have been talking with him since XXXX and have got further behind because he wont accept payments. I told him I recovered 2 of  the payments through XXXX XXXX but have not been able to get the other 2 yet. XXXX and XXXX. I offered to give him {$2000.00} right then in XXXX. He keeps telling me he will accept the {$2000.00} and two more payments and then hes going to pull my account out of foreclosure status. Nothing has happened with many phone calls and numerous emails which he said to email him and he will call me immediately but never does. I keep calling and I get the run around every time. I am XXXX due to XXXX XXXX XXXX XXXX that are XXXX and my husband has had XXXX XXXX XXXX. I have a XXXX XXXX son that resides with us who needs serious medical help but cant even pay our mortgage on time due to medical expenses. Can you please help us. 

Sincerely yours, XXXX XXXX XXXX XXXX