davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-31
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. (CA)

I got a new Credit Card with XXXX XXXX with a {$5000.00} credit limit. I called to request a credit limit increase to {$10000.00}, but I've got approved for {$7000.00} which I accepted. The representative told me I would see an update in the next 10 minutes. But after 40 minutes the update never happened. So I called back and the second  representative told me the reason was that my request was forwarded to a second underwriter to review it in order to get the {$10000.00} I originally requested.He said I would have to wait less than 24 hours. Next day I checked online and my credit limit was updated to {$7000.00} but I've also got three alerts from Experian with 100 %  inaccurate information : Alert 1 - That XXXX XXXX reported I was using over the credit limit and that's not true because my balance was less than 50 % of {$7000.00} Alert 2- That XXXX XXXX reported my credit limit was decreased to {$1000.00} which is not true because it was {$7000.00} all the time Alert 3XXXX That XXXX XXXX reported my credit usage was over 100 % the credit limit and that is not true because my balance was under 50 % of the {$7000.00} credit limit All these actions from XXXX XXXX have caused a big impact on my credit score dropping down almost 63 points from the day before these actions took place.
Consumer complaint received 2021-03-25
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. (SC)

I was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. My information was also impacted by the equifax data breach and May have got into the hands of the wrong person.
Consumer complaint received 2022-09-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (FL)

Good day, I have disputed Hunter Warfield account since XXXX XXXX and this account still is not resolved. The creditor is a third party for XXXX XXXX XXXX saying I owe {$2800.00} for damages when in fact they are normal wear and tear. This account still have not been properly verified and they are not able to provide an itemized list of the damages that they are saying I am responsible for. It is causing me so much stress and I am trying to rent out another apartment for me and my family.
Consumer complaint received 2018-06-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Advance America, Cash Advance Centers, Inc. (MI)

I received a payday loan from Advance America. Loan # XXXX I've contacted them 6 times to explain I DO NOT have enough funds to cover this loan. They WILL NOT respond. They keep telling me they will call or email and they never do.
Consumer complaint received 2022-09-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

It is extremely concerning that XXXX makes statements claiming that they may misreport information to Credit Bureaus just because they fail to properly process payments before the date they report to Credit Bureaus .

This complaint is specifically addressed towards Transunion. Transunion recently sent me correspondence through the mail claiming that they take these types of complaints seriously. However, Transunion should be investigating the company making claims that could implicate them in misreporting tactics. This is to prevent any potential future incidents from occurring. This would not only impact me as a borrower, but other borrowers as well. 

Transunion failing to investigate or following the evidence makes Transunion as corrupt and deceitful as XXXX. I implore Transunion to investigate XXXX as much as possible to prevent them from reporting payments being 30 days late when borrowers make payments prior to the 30 day cutoff. It is not my responsibility for companies who can not seem to address information correctly and then make mistakes because there are cracks in their processes which seem to contradict Credit Reporting rules.

Transunion Agents should be extremely shocked by statements made by a Student Loan Servicing Company who was been sued several times by our own states. Our own Congressional Candidates also made statements that the CEO of XXXX lied before congress in XXXX hearing that took place in 2021. Trusting a leader of a company who has been accused as such is hardly corrective.
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2018-06-25
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. (LA)

I have been fighting ID THEFT and please need to dispute the following accounts due to them begin fraud!! I have sent supporting documents in several times and please ask these documents be used to block and or remove the following. Also please lock my credit report and notify the companies that reported the fraud accounts under my name and SSN. Thank you. 
1. XXXX XXXX Reported : XX/XX/XXXX 2. XXXX XXXX XXXX Reported : XX/XX/XXXX 3. XXXX XXXX Reported : XX/XX/XXXX 4. XXXX Reported : XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX  Reported : XX/XX/XXXX 6. XXXX XXXX   Reported : XX/XX/XXXX 7. XXXX XXXX Reported : XX/XX/XXXX 8. XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX 9. XXXX XXXX XXXX Inquiry : XX/XX/XXXX 10. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX 11. XXXX XXXX Inquiry : XX/XX/XXXX 12. XXXX XXXX 13. XXXX XXXX Inquiry : XX/XX/XXXX 15. XXXX XXXX Inquiry : XX/XX/XXXX 16. XXXX Inquiry : XX/XX/XXXX
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (KY)

I have called Sagestream 4 times for the past 3 weeks to put a security freeze on my consumer report with them. I always get a recording to leave a message and they will call back. It's been weeks now and they never return my call
Consumer complaint received 2018-06-26
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 subscribe to XXXX XXXX and was informed by them that Equifax is showing that XXXX  XXXX did a Hard Credit Report on me without my consent on XX/XX/2018. I do not have an account with XXXX XXXX. I suspect that this may be the start of an Identity Theft case. I would like to lodge a complaint against XXXX XXXX. Please advise. Thank you.
Consumer complaint received 2018-06-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

profolio recovery and XXXX XXXX wont remove this debt from my credit report. they said its not there business I went to XXXX. they I sent letters from my XXXX  and they ingnored it they said I need a police report. This ridiculous they threatened me and said I was a threat and I shouldn't call back again after I sent the documents requested
Consumer complaint received 2022-09-13
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)

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Consumer complaint received 2022-09-13
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. (SC)

I received a copy of my credit report and noticed some Hard Inquiries that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXL XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I have provided my condo unit owner policy to Loancare and have provided the name of the agent for our HOA regarding the master condo policy for XXXX. However, Loancare insists that I provide 1 ) detailed policy information concerning the HOA 's policy, and 2 ) that they be named on the condo 's master policy as mortgage. However, I do not have details about the policy and can not request that someone be placed " on the policy '' because I am not the named insured. Loancare refuses to contact the HOA 's agent and instead is threatening to take to out a master condo policy on my behalf -- truly bizarre as I am an individual unit owner -- and then charge me. If I do not pay for this duplicative insurance then I will be in default and may lose my home.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I requested my Disclosure from XXXX Pursuant 15 USC 6802 ( b ) which was not provided to me as per federal law. The law is explicitly clear that before a financial institution discloses any consumer nonpublic personal information, they must give the consumer 3 disclosures so the consumer has an opportunity to opt out of having their information reported. I also requested any documents and disclosures sent over from XXXX to the credit reporting agencies and they did not provide me with anything. I stated what happened requesting my nonpublic information be deleted from my consumer file, I was told to send in a dispute letter which I did yet all the accounts are still being reported on my consumer file which is against federal law.

I AM ENVOKING THE SPECIFIED REMEDY THAT I PREVIOUSLY DENIED WITH HOLDING MY DISCLOSURES, Pursuant 15 USC 6802 ( b ).

PURSUANT 15 USC 6802 ( B ) I a living breathing man hereby exercise my right and specified remedy to OPT-OUT of having the account with my nonpublic personal information reported.
Consumer complaint received 2021-03-02
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: Exeter Finance, LLC. (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. The Fair Credit Reporting Act states that any Infor motion that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries
Consumer complaint received 2019-05-22
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: CURO Intermediate Holdings (TX)

My identity was stolen and 1 of the companies that this occurred with was XXXX XXXX , XXXX . I had a hard inquiry appear on my credit report from them. I had never contacted, applied, or even heard of XXXX XXXX prior to this. I filled out their forms they sent me to have this removed. I also followed up with a letter that the FTC identity theft website generated but still have yet to have the hard inquiry removed from my credit report.
Consumer complaint received 2019-05-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (WA)

XX/XX/XXXX when making my payment online I noticed my payment due was less than normal. I called the company to verify the payment amount and was told the amount due was correct on the website ( lower amount ). I paid that amount. XX/XX/XXXX I get a past due notice. I called and the company indicated they posted a payment to my account in error in XXXX and they were demanding I pay 3 times what my normal payment was. I asked for a member of the management team to call me back in XXXX, then again in XXXX and again in XXXX. I just continued paying my normal monthly payment. In XXXX I started getting harassing phone calls and when I spoke with my account rep she indicated the only way to reslove the issue was to pay 1 months payment ( mind you I have been paying wvery month since XX/XX/XXXX ) and I could get an extension. I paid my normal payment, I got the extension paperwork on XX/XX/XXXX or XX/XX/XXXX, signed the paperwork and emailed it back on XX/XX/XXXX @ XXXX. Never heard from them since. Earlier this week, we were at a dealership trading the car in and the salesman told us that when he called to get the payoff amount, they were not only told the payoff amount but that we were 3 months past due on the account. 1st off, they should not have said anything to the deslership about the past due balance. Second, they never processed the extension paperwork stating they never received it. So, I called them on Tuesdsy this week, got a supervisor on the phone that said she would need proof that I sent the paperwork bavk within 10 days of receiving it. So, I emailed her proof and didnt hear from anyone. So I followed up and was told they have the proof I emailed the completed paperwork on XX/XX/XXXX, but it was emailed to another department within their company, so since the extension department didnt receive it, they were not able to honor it. So essentially I emailed the paperwork, on time and to the company, but because they cant communicate amongst themselves I am still past due. The supervisor XXXX XXXX tells me today they have been trying to get ahold of me since XXXX and I didnt respond. Funny thing is, I made contact with them in XXXX, and thats how I got the extension paperwork. Then he back pedals and says we tried to contact you in XXXX, yes last week 1 time and then 1 time this week. After I called them. Then he back pedals again saying we tried calling this number and this number with no response. The 1st one is my cell phone ( they only called twice within a 5 day period ) and the 2nd number I had never heard of before. So, when I ask XXXX what the 2nd number is, he says oh, that # and account note was supposed to be posted to someone elses account. It was posted to your by mistake. Bottom line is, they messed up and are now harrasing me for payment when several things are from their mistakes. And divulging my personal account information to a dealership is not winning them any favors in my book.
Consumer complaint received 2019-05-31
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: ID Analytics, Inc. (NY)

I have check my credit and realize that my identity had been stolen and accounts had been opened without my knowledge, recent data breaches has exposed my personal information, please block these items that do not belong to me, thank you.
Consumer complaint received 2021-03-02
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)

There are 6 accounts that are not mine they do not belong to me I have been going back and forth with the bureaus to remove them and they are not helping out I have filed for FTC and sent out multiple dispute letters but no one is doing anything about it or sending me correspondence. Then I get a letter that I am being sued. 

The accounts are XXXX XXXX XXXX XXXX XXXX : Acct # XXXX XXXX {$5100.00} opened XX/XX/XXXX XXXX - Acct # XXXX XXXX {$5400.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX - Acct # XXXX Amt {$14000.00} Opened XX/XX/XXXX XXXX XXXX XXXX -Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$3900.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$8700.00} Opened XX/XX/XXXX 2017
Consumer complaint received 2021-03-02
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. (CA)

There are 6 accounts that are not mine they do not belong to me I have been going back and forth with the bureaus to remove them and they are not helping out I have filed for FTC and sent out multiple dispute letters but no one is doing anything about it or sending me correspondence. Then I get a letter that I am being sued. 

The accounts are XXXX XXXX XXXX XXXXXXXX XXXX : Acct # XXXX Amt {$5100.00} opened XX/XX/XXXX XXXX - Acct # XXXX Amt {$5400.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$14000.00} Opened XX/XX/XXXX XXXX XXXX XXXX -Acct # XXXXXXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$3900.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$8700.00} Opened XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-07-15
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: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-05-31
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 (NY)

I have check my credit and realize that my identity had been stolen and accounts had been opened without my knowledge, recent data breaches has exposed my personal information, please block these items that do not belong to me, thank you.