davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish without my written instructions. 

XXXX XXXX XXXX  New Credit Inquiry Added Applying for a new line of credit will usually result in a hard inquiry on your credit report. You could also see inquiries from applications for a new apartment, phone or utilities account. Each hard inquiry will typically lower your score a bit, though the effects often wear off after a few months. 

XXXX XXXX XXXX XXXX XXXXXXXX Collection Balance Increase of {$1.00} There could be a few different reasons why your balance increased. For example, the collection agency may have added interest charges to your balance or your balance may have been updated to correct a previous reporting error. While the balance change itself won't necessarily impact your score, having an account in collections is generally harmful to your credit. 

XXXX XXXX XXXX Balance Increased by {$1.00} It looks like your balance went up. This could be the result of a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 

XXXX
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Per tracking, its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC XXXX XXXX reporting a higher balance and the credit limit is $ XXXX but reports I owe $ XXXX I dont know this company. I dont owe these companies
Consumer complaint received 2022-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc (MA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) is sending texts to my cellphone ( XXXX ) looking for " XXXX. XXXX They are spoofing my own number ( so it appears that the text is coming my own phone ). I am not XXXX, I do not know anyone named XXXX. I do not know anyone that owes a debt to a XXXX Credit Card debt. 

I have called twice ( XX/XX/XXXX at XXXX and and XX/XX/XXXX at XXXX XXXX ) to resolve this, they claim they would stop contacting me but have continued to contact me.
Consumer complaint received 2021-02-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners (CA)

Pendrick Capital Partners II, LLC has tried getting money numerous times. It all started from an emergency bill that I waited to get and never got it because they kept sending it to an old address in XXXX from XXXX XXXX XXXX. Finally, I had received the bill months later after the incident from a creditor and paid it off immediately ( I have proof of ). Then in XXXX, I received another bill from the same creditor trying to claim I owed {$1000.00} and they dropped my credit score very low. I reported it to you guys and it came out to be fraudulent and my credit score went back to normal. I am not receiving another outstanding balance from the same creditor for {$66.00}. THIS IS FRAUD! It is already paid off and I do not understand why this creditor keeps trying to take money from me.
Consumer complaint received 2019-03-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (FL)

Hello, I have been repeatedly contacted by Midland Credit Management several dozen times since XXXX. Midland is attempting to collect a debt for one " XXXX XXXX ''. I do not now, nor have I ever, known or had dealings with this individual in any capacity. I have owned my current cell phone number for over a decade. I have provided Midland with basic identifying information including my name and address and instructed them to disassociate me from XXXX XXXX, and remove my cell phone number and any other contact information from their system, and to STOP calling me. I also mailed a letter on XX/XX/XXXX instructing them to cease calling me. I have further plans to call back today and request to speak to a supervisor again, and also to mail yet another letter ( certified mail this time to I have evidence it was received ). 

Below are the dates of the most recent nine phones calls from Midland. Each time I pick up I calmly explain to the individual on the line that I do not know Ms. XXXX, have no dealings with her, and that the number they are calling is in no way affiliated with her. Each time they have promised to remove my number from their records, but within a month 's time I will receive another barrage of calls. 

DATE TIME NUMBER XX/XX/XXXX XXXX XXXX EST XXXX   XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX   XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX   EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX
Consumer complaint received 2019-08-11
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX XXXX - XXXX, XXXX   XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2020-09-22
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: Experian Information Solutions Inc. (FL)

On my credit report there is a collection account from afni a debt collection company which I asked experian to ask the company for proof the account is mine, such as documents bearing my signature and verification that it is me as I had my purse stolen a few years ago and accounts had been open in my name. I am not familiar with afni as no documents have been submitted to me advised I need verifiable info from the original creditor which they failed to provide and just closed my dispute without confirming this info based on the word and not documentation from the debt collector which goes against the fcraa
Consumer complaint received 2022-04-27
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)

The credit bureaus stated that XXXX XXXX XXXX account XXXX XXXX which is currently a charged off account, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the balance is inaccurate, and the Date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 604 A section 2 : The law clearly states that a consumer reporting agency can not furnish an account without my written instruction.

I havent given written permission for this company to furnish this account on my credit report.
Consumer complaint received 2021-02-02
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. (MD)

all three creditors where not opened by myself XXXX in the amount of XXXX, XXXX XXXX XXXX XXXX i have lost very important information in 2010 my social security card my state id and my birth certificate all which can be used against me and im continuing to see accounts i havent personally open this has also been reported to transunion i will attach a police report for my lost or stolen identifications
Consumer complaint received 2019-08-11
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. (CA)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2019-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Yamaha Motor Finance Corporation USA (MD)

Upon reviewing my credit report with all three credit bureaus XXXX, XXXX, and XXXX  I noticed multiple inquiries that I did not authorize. I have tried to contact each creditor and dispute these unauthorized inquiries but have had no professionalism or legitimate reason why these inquiries remain on my report. I challenge these disputes back in XX/XX/2019 and XX/XX/2019 but they never removed the inquiries that weren't authorized by me. These inquiries are damaging my report. Can you please help me remove them.
Consumer complaint received 2019-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AR)

Experian will not allow you to freeze and unfreeze your credit unless you pay them. I should not have to pay to have that done. I have paid before and now when I try to log in it will not let me do anything until I enter credit card info to pay for their service. I filled out the form and it said they could not verify my information I had to call. This is happening EVERY TIME I TRY TO LOGIN TO MY INFORMATION.
Consumer complaint received 2019-08-11
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. (TN)

I submitted disputes to Equifax and XXXX two of the three credit reporting agencies to let them know that these accounts of bankruptcy in the public reports se action of my credit report were not mine and they stated that they completed an investigation and stated these accounts were verified as mine and I asked for proof of these investigations and how these investigations were conducted and verified in which they failed to do without going to a courthouse that these papers were claimed to be filed in. so I would like these accounts removed from my credit reports from these agencies at once.
Consumer complaint received 2019-08-11
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

In XX/XX/2019 the loan servicing company increased our monthly mortgage payment from {$2000.00} per month to {$2900.00} per month. Loan servicing stated that this was because of an escrow shortfall. 

It is apparent to me that the loan servicing company miscalculated the previous year escrow withholding by underestimating the property taxes. This has placed us in an extreme financial burden situation.This raised our monthly payment by {$840.00}. This was unplanned and we were caught unaware. 

I contacted the loan servicing company and the basically stated that it is what it is, pay it. We have paid this every month through XX/XX/2019 but can not continue to do so. This could result in the mortgage defaulting and foreclosure if the loan servicing company will not offer a more amicable payment solution.
Consumer complaint received 2019-08-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (CA)

The amount of the debt this company claims I owe has been changing every quarter. The details for the debt says that it was created in XXXX of XXXX but previous to XXXX, it said XXXX of XXXX. I have tried contacting them years ago to verify the source but they were unable to give me any details. I am not even sure if this is supposed to be mine because I've had medical insurance for many years and my company has no record of any attempt to charge my insurance. Regardless, they have been resetting the clock every quarter and refuse to discuss any details so I've given up on that but now they continuously reset the debt and therefore the clock.
Consumer complaint received 2019-08-11
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. (IL)

I contacted Equifax several times without any resolution. I have explained that I am a victim of identity theft. I sent them my ID, police report & identity theft report & the accounts that I have explained are fraud accounts they ignore my request. I am asking that the following accounts be deleted as they are not mine, I did not open & don't know who did. THESE ARE FRAUD ACCOUNTS XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( several accounts ) & XXXX XXXX XXXX XXXX two accounts ) & XXXX XXXX.
Consumer complaint received 2019-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN HONDA FINANCE CORP (OH)

I have a remaining balance on a leased XXXX  XXXX XXXX. The account has never had a late payment in 3 years. The final payment went 33 days past due and the negative mark on my credit impacted my score more than 50 points. I anticipated to resolve the issue immediately, as I have never been past due. I contacted American Honda Finance to resolve the issue, and the automated phone directed me to a collection agency. I asked the agency specific questions about the account such as " is this agency handling the credit reporting of my account '', they claim they are not. I attempted to contact American Honda Finance again, and was able to speak to a customer service representative. He tried transferring me to the finance department to agree on a solution, but the call was not transferred. Instead, he told me the finance department refuses to speak to me as they are no longer the credit reporters of my account. Simply put, American Honda Finance claims they are no longer speaking to me because they are not the credit reporters and the collection agency they hired are making the same claim. This practice is unfair to consumers and should be unlawful. Finance companies should not be able to have such an impact on credit worthiness if they refuse to resolve the issue and come to an agreement or solution that benefits both parties. My credit score will continue to be impacted until American Honda Finance speaks to me. I am asking for a full summary of this situation. An explanation as to why American Honda Finance is  falsely claiming they are no longer the credit reporters of my account and a full good will adjustment, as the negative marks on my credit inaccurately reflect my credit worthiness.
Consumer complaint received 2019-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (MD)

Upon reviewing my credit report with all three credit bureaus XXXX, XXXX, and XXXX I noticed multiple inquiries that I did not authorize. I have tried to contact each creditor and dispute these unauthorized inquiries but have had no professionalism or legitimate reason why these inquiries remain on my report. I challenge these disputes back in XX/XX/2019 and XX/XX/2019 but they never removed the inquiries that weren't authorized by me. These inquiries are damaging my report. Can you please help me remove them.
Consumer complaint received 2019-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

I'm placing a freeze on my credit with all three agencies - two of the three -  XXXX and XXXX had the freeze in place online in a matter of minutes. Equifax is throwing up consistent roadblocks. First, upon initiating the account setup on XX/XX/2019 Equifax prevented me from logging in - claiming I needed to wait for a PIN in the mail. After receiving the PIN on XX/XX/2019, entering it and seeing the appropriate confirmation screens Equifax still prevented login and forced me to call an online help number. After ~40+ minutes on hold and several minutes on the call the support person sends a password reset link which requires me to wait another 24 hours to be able to attempt to log into my account. The support person then claimed he could implement the credit freeze but then after more time waiting came back to say he would require additional documentation through the mail. This experience makes it clear Equifax does not wish to comply with either the letter nor the spirit of the Credit Freeze legislation by placing multiple roadblocks at every step - hoping consumers will jut go away.
Consumer complaint received 2019-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

I have XXXX car loans that have been paid on time for XXXX years that are not listed on my report. I also get marked down for using my credit card, sometimes my score goes down and it says because I did not use enough credit available and sometimes it goes down and states that I used too much of my available credit. It seems that transunion only screws us, never giving good credit for good activity. My car loans are both missing from my credit reports
Consumer complaint received 2017-12-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

I applied online for a new mortgage. I was rejected online. I called USAA Which Said my median Credit score was below 620. 

I asked why use the median score rather than the average. The financial institution says it is ok. I argued it is mathematically and statistically wrong to use the median of three numbers. It just has no scientific basis. It is actually laughable that a financial institution would use a useless statistic to reject my application. No where in mathematics will you find that a median of three numbers has any significance.
Consumer complaint received 2022-10-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (UT)

LVNV sent a notice by mail recently stating they purchased an alleged debt from XXXX  XXXX that is being serviced by Resurgent Capital services however another notice sent by XXXX XXXX XXXX stated that they have the same alleged debt from XXXX  XXXX as well. I am certifying I have no knowledge of this alleged debt and to return back to the original creditor.
Consumer complaint received 2019-08-11
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. (SC)

I have explained to TransUnion that I have been a victim of identity theft & they are reporting accounts that are not mine. I have sent in the requested documents that they have requested several times ( social security card, Drivers Licensce, police report & identity theft report ) After submitting this information they continue to report these fraud accounts. I am asking again to delete these fraud accounts XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX/XXXX, XXXX/XXXX XXXX, XXXX? XXXX. The address XXXX XXXX & XXXX XXXX XXXX I have never lived there & explained that too they say they will review but it remains on my report. I have been in several breeches ( XXXX XXXX XXXX ) & my information has been used fradugently. I never applied for anything with XXXX, XXXX, XXXX XXXX, or XXXX XXXX XXXX.
Consumer complaint received 2019-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OR)

I recieved a transfer of funds from someone for purchase of computer and the funds were fraudulent they froze my account and stated that freeze would be removed when investigation was complete so I was later told needed to close account and open another because funds had been released and now someone different was trying to withdraw funds so money was mine and could get it and deposit it in new acct. went ti bank where branch manager phoned fraud department who stated same thing that funds were mine and 8 could withdraw them and deposit some in new account, which I did and a few days later was told that funds were returned to person claiming that he dud not make deposit and now they claim I am responsible for those funds I don't belive I am responsible for any funds due to fact manager was told same thing that funds were mine to do with as I pleased and that someone not me was trying to withdraw funds and with proper ID could release funds to me and open new acct. with those funds or withdraw them