davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

On XX/XX/2020 I sent a dispute letter to LVNV Funding, XXXX  and XXXX  credit bureau regarding a collection/charge-off that was opened in 2020. XXXX and XXXX  is listed separately on my report with 5 inaccuracies. XXXX  isn't reporting on this account at all. It is well over 30 days and there is still 5 inaccuracies listed on the account and it hasn't been updated or removed.
Consumer complaint received 2019-03-09
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. (OH)

My name is XXXX XXXX. XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address : XXXX XXXX XXXX XXXX, OH XXXX. I have attached my proof of ID. The following accounts are not mine I have never had an account with these companies : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law, I have sent a complaint to the FTC and the Secretary of State here in OHIO. The accounts is not accurate I have asked several times for contracts or documentation I have nothing in my records.
Consumer complaint received 2021-10-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX transferred {$43000.00} to Chase Bank in Florida out of our account.. We were purchasing a XXXX XXXX XXXX XXXX XXXX XXXX. The motorhome did not arrive a scheduled. Called the XXXX XXXX XXXX XXXXXXXX on the the XXXX of XXXX to let them know. They contacted Chase Bank and they put a hold on the money. After several weeks of back and forth with our bank and XXXX they were not given much information at all. This has been going on for months. XXXX XXXX does not communicate with the Freud department at our bank at all. We found out 3 months ago that XXXX XXXX  had now moved it to asset recovery. XXXX XXXX XXXX XXXX is unable to talk to anyone in that department to see what the hold up is. They have emailed consistently but do not get a response back that way either. The deputy that took our report has called and talk to the bank as well to let them know he has an open case on this. We still do not have or money back. Can you help
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (AZ)

My car was hit by an uninsured drunk driver while parked outside my house while I was asleep in the middle of the night. My insurance company declared my vehicle a total loss, as I was insured with gap with the same company. My insurance later informed me the pay off check to pay off the total remaining balance of the car was sent to my lien holder, and that I should no longer make payments because the lien holder would receive it in the next day or two. 3 months later, thinking my car was paid off and no longer having a vehicle, I was notified my lien holder never received a check and my account was now derogatory on my credit. I called my insurance and they took responsibility for sending the check to the wrong location, but neither the gap insurance, full coverage insurance for the uninsured, or the lien holder will work with me on the amount owed for the 3 months the check was missing as they are considered missed payments. I was never called by anyone looking for a payment. I have a letter from my insurance company with the pay off amount and original check date that was never received, and a letter for the second check they sent 3 months later. My lien holder was Chase, I had gap insurance with them as well and my insurance company was XXXX.
Consumer complaint received 2020-12-01
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. (VA)

I don't recognize accounts and inquiries on my credit report. By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.
Consumer complaint received 2017-12-14
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. (TX)

When I was shopping for a car, the dealers told me that they will do soft inquiry but after a week it appeared as hard inquiry and my credit score went down. while I was reviewing the inquires I found also other inquires that I did n't authorize and even if they should be soft inquiries.
Consumer complaint received 2020-12-01
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. (VA)

I don't recognize accounts and inquiries on my credit report. By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.
Consumer complaint received 2017-12-14
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: EQUIFAX, INC. (CA)

In XXXX of XXXX XXXX XXXX XXXX XXXX agreed to change my payment due date to the XXXX of the month instead of the XXXX. Since I was hospitalized and due to me recovery I needed to push the date my payment would pull from my account. I never had a late payment with this company before. They sent me a letter confirming the payment date change. In XXXX I made my payment online on XXXX XXXX they did not pull it until XXXX XXXX, which still would 've been 23 days. They then reported a 30 day late payment to the credit bureaus. When I called them regarding this they then told me my payment date was changed back to the XXXX. I was then told that they would make the change and removed the derogatory, they told me to send my request in writing which I did. I recently receive a second letter telling me that my date was changed back to the XXXX of the month. Then a second letter stating that they are not going to remove the derogatory, this is unethical and unprofessional. I have written to them and tried to call to no avail.
Consumer complaint received 2021-11-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I would like all the auto inquires removed from all 3 credit reports< of course I didn't know that they shop your info out to other places without you knowing unless you have been through this before at some point in your life. Long story short I have way too many inquires on my file and they are mainly due to other companies handing out my information that I was unaware of t the time. 
The new me cares about my credit score and report and I take it very seriously. This is hurting my score and stopping me from getting access to a lot of things. Please fix this issue or have them fix it. 
Thank You
Consumer complaint received 2016-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

You are currently reporting fraudulent information on my credit report. You are damaging my person by your institutions inability to properly verify these purported debts via an original consumer contract with my attributed security instrument applied to it. Remove these erroneous and fraudulent accounts off of my credit report immediately per 609A and 605B of the FCRA. Consumer Financial Protection Bureau will be contacted about your institutions lack of follow through and defamation of my person causing loss of personal wages.
Consumer complaint received 2021-08-20
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. (GA)

TransUnion reported misleading information and they trespassed my rights of privacy. They have failed to do their GRAVE RESPONSIBILITY which is to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. This is a direct violation of federal law. Their negligence has caused me XXXX  and I'm seeking litigation.
Consumer complaint received 2021-04-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc. (TX)

I have been receiving a statement for many months with a zero payment due, I called to stop mailings and was informed that there was an error on my last payment back in XX/XX/XXXX. I was never notified until I called today XXXX XX/XX/XXXX. I never received a statement with that error from them. It was a clerical error or computer error and they want me to pay for it. I will not pay the interest since I confirmed the last payment over the phone with their employee. I refuse to pay and asked them to fix the problem and close the account. Im asking for them to stop contacting me.
Consumer complaint received 2020-12-01
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. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorize on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2017-12-14
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. (FL)

Experian report # XXXX dated XXXX XXXX, 2017 has XXXX HARD HITS on it due to the fact that EXPERIAN is reporting incorrect information and damaging my FICO score. Causing bank XXXX to repeat inquriues This must stop and be corrected.
Consumer complaint received 2020-12-01
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. (VA)

I don't recognize accounts and inquiries on my credit report. By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.
Consumer complaint received 2021-11-03
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. (OK)

I sent a letter to Experian on XX/XX/2021 disputing inaccurate accounts on my credit report and they continue to verify these accounts when they are inaccurate leading me to believe that they did not conduct a proper investigation into my dispute. They are continuing to report inaccurate accounts even after my dispute. I have sent them several letters regarding these inaccurate accounts and not only did they violate the FCRA by not conducting a proper investigation, but they also violated the FCRA by not provide their method of verification. I read on the FTC website that furnishers and credit bureaus have to report information 100 % accurately. If that is the case, why is it so difficult to get inaccurate information corrected or deleted from my credit report if I followed all the steps given by the FTC and CFPB? I would like them held accountable for their lack of investigation and continuing to report inaccurate accounts after multiple attempts to get them to fix it.
Consumer complaint received 2021-11-03
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. (GA)

On XX/XX/XXXX I submitted a dispute to Experian about inaccurate information on my report. I disputed 2 accounts on my credit report and sent the letter out certified mail. Today is XX/XX/XXXX and I have not received a response from Experian about my request to delete two accounts on my credit report. 

I am the consumer and this is a direct violation of, FCRA as quoted, " According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. '' I am a natural person, I am the consumer XXXX XXXX
Consumer complaint received 2023-02-21
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)

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : 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 2021-04-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (FL)

I have asked them multiple times to evaluate the debt owed. 
The debt owed does not match the original court complaint or the judgment. In fact there is no Judgment. 

Broken leases happen all the time due to unforeseen circumstances. In our case, we are members of the LGBT community and we were discriminated against, with our previous landlord. Upon receiving a Court complaint we spoke with the landlord 's attorney and we moved out prior to the Court system entering an eviction. 

Both the attorney, the landlord and the court system over step their boundaries. As a previous court employee the court prevented me from presenting my case resulting in a removal. However we did advise the attorney and the landlord we were not there we moved out of state. As a result of it, months later Hunter Warfield Inc comes collecting a wrongful amount based on the landlord s statement. The landlord is not entitled to such a high amount that has prevented me from acquiring rentals, resulted in being homeless and more. 

I am demanding an investigation of this company for violations of FDCPA rules. 
I am also demanding an investigation against XXXX XXXX, XXXX FL under XXXX XXXX XXXX.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

ALL INQUIRIES DATED FROM XX/XX/XXXX THROUGH XX/XX/XXXX EXCLUDING XXXX XXXX XX/XX/XXXX. EXCLUDING XXXX XXXX WAS NOT AUTHORIZED BY ME NOR MY CONSENT
Consumer complaint received 2022-04-26
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)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (VA)

Dates requested removal of negative items from my Cheksystems report are XX/XX/2021, XX/XX/2021, XX/XX/2021. This company hasn't removed any of the negative items. Items described as Account Abuse, and Overdrawn
Consumer complaint received 2021-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (AZ)

XX/XX/XXXX I have applied for a Apple Credit Card twice. I make good money in my XXXX XXXX career. Apple has been proven that the algorithm has implicit bias that propagates to the end user. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  is my day job. 

https : XXXX At my income level, has a homeowner, car and 100 % on time payment history, one would think I would have a credit card. I do not. 

As I have gotten older I have found and understood that the credit system was first implemented in the XXXX. The algorithm remains unchanged and carries the minds and the logic of the software engineers at the time. No other country in the world ( been to XXXX ) has this system and it shows. 

I do not know why or what else I can or should do. What more does one have to prove to prove responsibility? Degrees? House? Car? XXXX XXXX executive career? XXXX veteran? 

I have achieved all of those. This needs a government audit. The damage to my credit score or my ability to build " credit '' can be calculated. This is textbook - Widen the Wealth Inequality Gap ; A Illogical Algorithm Ballard. 

Also, Apple is required by federal law to explain WHY they denied the application. Thy do not. They give options of what it COULD be but not what the actual reason is.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-12-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (PA)

Purchased a car on XX/XX/2020, asking price was {$7100.00}, {$1500.00} down payment. After two weeks of having possession of the car, I hit a deer and my car was totaled. I have XXXX XXXX. XXXX paid Westlake Financial {$8400.00}. ( More then what the car was worth ). I had Warranty and XXXX XXXX. Westlake claims I owe additional XXXX dollars. I was told XXXX XXXX was supposed to pay any difference in the loan. Warranty was to come back to me. Westlake demanded the warranty money be sent to them and I end up with nothing. This is not right. Westlake is double dipping and getting way more then they should be. Every time I call, I get disconnected or hung up on, I call back and unfortunately, I dont get someone who speaks English. I then get transferred and hung up on repeatedly.! I have been trying to get this resolved. I have spoken to the warranty department, I have spoke to the Auto Dealership who also agrees, what they are doing is not right. I need help and no one at Westlake will respond to my calls.
Consumer complaint received 2023-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (CA)

I received an email from. A company called TrueAccord see attached email and email address screen shot. it stated I owed a debt from a credit card. I called the number to talk to someone see attached screen shot of phone number called and mistakenly gave my year of birth and last 4 of my social security. I am afraid I was scammed. They told me the debt was not mine and they would take me off the list.
Consumer complaint received 2021-11-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :