davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-24
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)

I checked my personal credit report, which I acquired from your organization on XX/XX/2017 I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Thank you for your assistance in this matter, XXXX XXXX XXXX
Consumer complaint received 2016-10-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (LA)

I have been the victim of on going ID Theft. The suspect has been charged and arrested. I have sent Equifax proof of this numerous times and they refuse to do anything other than tell me the fraud accts have been verified as mine!!! Police report after police report has been sent in. Every time I call and try to speak to someone I end up getting someone who does not speak XXXX very well and I keep getting the run around. I please ask once more that Equifax take this matter seriously and block the fraud accounts listed!!!
Consumer complaint received 2020-07-18
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. (PA)

I received an alert that XXXX XXXX pulled my credit report without my consent on XX/XX/2020. I am Currently in dispute with them and requested a validation of contract and payment history and have yet to receive it but they pulled my credit? I have not applied for anything with them so Therefore they illegally accessed my credit report without consent in addition to them providing inaccurate information of my transunion report! They are reporting duplicate accounts on my report which majority show in good standing accept 1. I do not owe them and everything is paid in full which the screenshots show of my credit report. Same account numbers, same amount all show no balance! The dates of last activity are inconsistent and not aligned with their argument that I owe. Please look In detail at the information. This credit union is doing some Actions not in alignment with the FCRA and this must cease. They are predatory and retaliatory and its messing with my credit rating.
Consumer complaint received 2020-07-18
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: SYNCHRONY FINANCIAL (WA)

Two hard inquiries to my credit report on XXXX- significant negative impact to my credit report, which I am trying to improve so I might purchase a home. 
These two inquiries were made consecutively, without my consent or knowledge on XX/XX/XXXX, and XX/XX/XXXX, of 2019. They were made by a company called SynchB, from XXXX FL.
Consumer complaint received 2018-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I use a rewards app called XXXX, whose service provider needs access to my credit card transactions in order for me to get the rewards points for purchases made with my card. ( Capital One XXXX card. ) Capital One is no longer allowing me to give XXXX access to my transactions. I have a right to share my credit card data with this app and I would like Capital One to grant this access.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I notice some negative items on my credit report and sent a dispute to the 3 CRA ( transunion, XXXX, and XXXX ) on XX/XX/2020 about the inaccurate items -- most of them are items that are more than 7 years old and needs to be deleted asap, the rest are incomplete and inaccurate items that needs to be deleted as well. Neither of the CRAs has responded to me concerning the inaccurate items.
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Equifax has reported inaccurate information for 3 years past the statue of limitations on ( 2 ) accounts. They have allowed XXXX XXXX XXXX to report inaccurate information and illegally try to park old debt onto my account. I have a letter from the original creditor, XXXX, that these two accounts were closed in XX/XX/XXXX and XX/XX/XXXX. They were then sold to numerous collection agencies. Both accounts were removed at one point, and XXXX XXXX XXXX bought these accounts and reported inaccurate information to get Equifax to report on my credit file once again. They have continually not investigated properly the age of the accounts, the dates of the accounts, nor any of the history of the accounts.

I will attach the letter from XXXX. Please remove both accounts from my credit profile. 
If I do not get a removal of both of these accounts, I will seek a consumer debt lawyer and file a lawsuit against Equifax for now knowingly reporting inaccurate information in my credit profile.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (DC)

Innovis is in violation of the Fair Credit Reporting Act for reporting inaccurate and unverified information on my credit report. They have also committed aggravated by by sharing my information without my consent. By reporting this inaccurate information they are harming my reputation and hindering me from accessing credit, which is my right. They are reporting 4 negative accounts XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, and XXXX XXXX  XXXX XXXX ) on my report. XXXX XXXX XXXXXXXX is a closed account with a zero balance. It's no reason for it to be a negative account. XXXX XXXX and XXXX are accounts that having been charged off and they are no longer able to collect on these account. I have disputed both accounts pursuant to 15 U.S.C. 1692G ( b ) of the Fair SDebt Collection Practices Act. Both creditors failed to verify the alleged debt. Therefore, it is inaccurate for Innovis to report this account on my credit report. I disputed the XXXX bank account pursuant to the same FDCPA statute and they have also failed to verify the alleged debt. This account needs to be removed as well.
Consumer complaint received 2020-07-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION (FL)

THIS ACCOUNT SHOULD HAVE NEVER BEEN REPORTED LATE ON MY CREDIT REPORT. 

I HAD AN ACCIDENT ON XXXX 2019 AND PROGRESSIVE PAID THE BALANCE OF THE VEHICLE AND THE GAP INSURANCE PAID THE BALANCE. 

I DO NOT OWE ANYTHING AND THIS COMPANY HAS ALSO REPORTED LATE PAYMENTS TO MY CREDIT WHICH HAS DAMAGED MY CREDIT
Consumer complaint received 2018-06-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accelerated Financial Solutions, LLC (NJ)

On XX/XX/2018 I received notification that I had a collection account from my credit notification account that I am a member of. A Company named Accelerated Financial Solution, I also received 3 calls. I explained to them that I was not aware of this account and they abruptly added this on my credit report. it's XXXX. I wrote to them 3 separate times and no response from them
Consumer complaint received 2018-06-24
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: JPMORGAN CHASE & CO. (GA)

I receive a hard inquiry on my credit report almost every month from Chase Card and I do not own a Chase Card nor have I authorized them to access my credit report. I want them to stop checking my reports!!
Consumer complaint received 2018-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (MA)

I had an account opened with XXXX in XXXX the payments got to high so i canceled with them leaving me with a balance of {$380.00}. They were billing me one month in advanced and a partial month. I payed the partial i refused to pay for services that i did not use i returned the equipment and the lady told me i was all set with a XXXX   balance. Mind you i have two accounts with them in witch one account stood open actually till this day witch i am in good standard with. For the last two years never heard nothing till XX/XX/XXXX got a letter from Southwest Credit asking for money the balance was {$360.00} they offered to settle at {$230.00} That was sold to a 3rd party collection agency. In the letter they stated i could either resolve it or dispute it, so i started disputing it with XXXX. I opened an investigation and it was requested to be deleted from any consumer credit reporting agency.XXXX  had ceased all collection activity and it was deleted off my credit report. All of a sudden my credit drops down 10 points and to my surprise i am in collection once again. This is uncalled for i had fought for this to be removed I was not found at fault this is my credit and it means something to me i have been working on it for a long time please look into this for me and help me in any way you can i would greatly appreciate it so much. Thank you in advance for your time and patience.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (CA)

My problem is that they are direct violation 15 is code 1692 g. # 2 never received a letter describing to me the validity of there debt # 3 never received written permission from me # 4 I never received a dunning letter on my credit report before they reported it which is XXXX  dollar violation fcra they never got permission to discuss my files from the original creditor which is a privacy code violation they are reporting stuff negatively which alone is a violation and without notifying me they XXXX XXXX {$930.00} XXXX yr XXXX month old debt XXXX XXXX XXXX XXXX XXXX  {$430.00} never was notified about this {$410.00} XXXX XXXX all these never received anything in writing from Lvnv
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ITEMS THAT HAVE CAUSED SEVERE DAMAGE TO MY CREDIT FILE. THESE ACCOUNTS ARE REPORTING INACCURATELY AND I WANT TO REQUEST AN INVESTIGATION INTO THIS MATTER TO HAVE THOSE ACCOUNTS PERMANENTLY REMOVED OFF MY CREDIT FILE.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ITEMS THAT HAVE CAUSED SEVERE DAMAGE TO MY CREDIT FILE. THESE ACCOUNTS ARE REPORTING INACCURATELY AND I WANT TO REQUEST AN INVESTIGATION INTO THIS MATTER TO HAVE THOSE ACCOUNTS PERMANENTLY REMOVED OFF MY CREDIT FILE.
Consumer complaint received 2020-07-19
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)

THESE ACCOUNTS ARE STILL REPORTING INACCURATELY WHICH IS A FCRA VIOLATION. I HAVE NOT HAD PROPER INVESTIGATION RESULTS AND I AM UPSET PLEASE REMOVE THESE INACCURATE ACCOUNTS IMMEDIATELY.
Consumer complaint received 2018-06-24
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: Credit Plus Inc (KY)

Hello, Credit plus is showing as a hard inquiry on XXXX, XXXX, and XXXX. 
I've not applied for any credit or given any authorization. 
I've contacted credit plus and had no help in resolving. 
CREDIT PLUS Inquired on XX/XX/2018 XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX *I am working with a bank for a home loan, but I have a relationship with them already, and they said they don't need to pull my credit yet. They did not ask for authorization, permission, and didn't inform me. I haven't idea if this has to do with them. I spoke w/rep at bank, and she said she's never heard of them. 


Thank you
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (SC)

I 've had way too many inquiries put on my credit report. After time and time the finance manager at the dealerships told me sending it out to all banks would only count as XXXX inquiry but they lied about that. Next, I have like XXXX plus inquiries on my report. I disputed them with all bureaus and it still came back saying this information is correct, which it is n't. I want the inquiries removed. I now ca n't get anything due to having too many of them.
Consumer complaint received 2018-06-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Auto Credit of Southern Ilinois (IL)

My payment was no more than {$200.00} bi weekly ... Less than 24 hours after I got my one week check from XXXX 's ( I put in notice that I got a better wage offer and all overtime I was willing to work ) so they cut my hours, while i was changing clothes for second job they remotely disabled the car. I explained my situation and they kept asking if I could just pay it over the phone ... " You XXXX gave me the loan with a pay stub, not a checking account or cc for collateral '' now im running late for work, I tell them to come get the car I'm not dealing with the hassle ... They apologize change my due date, then less than a month later " XXXX '' XXXX in XXXX, il closes down with no notice ... Just a sorry note on the door all wages unpaid around XXXX before tax I should have grossed so when the car was shut off I called and said I just lost my job and got ripped off XXXX by owner that if it doesn't start I'm leaving keys in it I'm done with them ... A week after that I was XXXX for 3 weeks ... Meanwhile they kept charging me like they were letting me drive it ... They disabled it a about a week before my XXXX stay of 3 weeks .... Let 's say they did let me drive it the whole time, how is the balance so high??? XXXX $ what was I charged for??? They took it while I was in XXXX and continued to bill ...
Consumer complaint received 2018-06-24
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. (FL)

I had my credit report pulled at a dealership for a vehicle loan and there are 5 individual hard inquiries with different dates listed on my credit report now. I authorized the dealership to run it once in order to find a good loan. Im concerned with identity theft since my credit was run on two separate dates. I have one hard inquiry from XXXX XXXX on XX/XX/XXXX and another on XX/XX/XXXX even though I only authorized my credit to be pulled by the dealership on XX/XX/XXXX. XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX are the other hard credit inquiries on XX/XX/XXXX. I was under the impression that the dealership running a hard inquiry for a car loan would only count as a single hard inquiry since it was done on the same day for the same purpose.
Consumer complaint received 2018-06-24
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NV)

I was treated at XXXX XXXX Hospital in XXXX of 2017. I was sent a bill of {$990.00} and then later for {$1000.00}. I was told in the hospital a bill of {$500.00} would be mailed to me. Different bill amounts sent to me had me send a letter to XXXX XXXX Hospital ( which I will attach ) asking if they could verify the debit amount due and a summary of why I owed what I owed. I never received any letter or in-dept bill, but now a collection letter with a new amount of {$290.00} ( XXXX XXXX ). I disputed this with Experian and they are saying this debt is correct but now with a new amount of {$280.00}. I have asked from the original collector to just verify my amount and I would have paid what was due, but instead have received all different amounts with nothing showing me what these amounts are for and why they are all different. Original collector should have communicated with me from the start and this should have NEVER gone to collections and now my Credit Report that I have worked really hard to maintain. I even asked the collector to verify these charges as well and no response, just straight to Credit reporting. I would appreciate any help with this matter because this should not have gone to collector and then to credit reporting and avoiding my letters. I can upload letters, and bills with different amounts
Consumer complaint received 2017-10-16
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. (NY)

There are several inquires that just hit my credit file and I did not apply for any of these XXXX  inquiry XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX inquiry XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have a XXXX credit card but did n't apply for an additional card these are not mine Please remove these unauthorized inquires ASAP
Consumer complaint received 2017-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC (PA)

On XX/XX/XXXX 2015 I went to a store " XXXX XXXX XXXX ''. I talked to salesman by the name XXXX. He sold me a mattress, and a box spring for {$280.00}. The address of the store was XXXX XXXX XXXX XXXX, XXXX, PA, XXXX. He took my information and told me about a free program through the government that helped low income people get a new and better bed. I did n't even need to fill out any paper work. Turns out this was a fake program. He used my information to take out a loan in my name. Furthermore, he shipped me a cheaper bed than the one I picked out out and paid for. Also, please note, He set up automatic payments for this bed. But it is linked to an account at a bank I have never used.
Consumer complaint received 2020-05-01
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. (OH)

This the third time I have filed an affidavit and compliant over fraudulent and in accurate information showing on my credit report. I have never done business or opened up a line of credit with XXXX XXXX # XXXX****, XXXX XXXX # XXXX**** this is a error please delete at once. I have a FCRA 611, 623, 609 DISPUTE for a late payment XXXX XXXX XXXX XXXX  # XXXX**** this is not accurate please delete. I have never been late on my XXXX XXXX XXXX XXXX. PLEASE DELETE THESE ACCOUNT THEY ARE NOT ACCURATE! I am unable to locate documentation that they complied with the of federal and state laws requirement, which is a violation of the FCRA & FDCPA. State FDCPA Laws I fail to see XXXX XXXX  XXXX XXXX  # XXXX****is in compliance with sTA OHIO LAW 1319.12 O.R.C. TAKING ASSIGNMENT OF DEBT. I also have report this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report where with XXXX XXXX has not even tried to contact me regarding this Fraudulent collection if they had done so they would have known they had in fact Purchase two fraudulent third party collection accounts. Please have them remove this collection account immediately. I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID
Consumer complaint received 2018-06-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NE)

XX/XX/2018 our FHA loan was transferred from XXXX XXXX XXXX to Rushmore Loan Management. XX/XX/2018 I attempted to pay my loan online through a one time payment in the amount of {$1400.00}. It had still not come out of the account and on XX/XX/2018, it was shown to be returned. But, it NEVER came out of my bank account. I called them and tried to rectify and pay this on XX/XX/2018. AGAIN, it showed to be paid on XX/XX/2018,  but never came out of my account. I was finally able to get it paid after talking to them on the phone on XX/XX/2018, even though it was shown to still be paid online at the time. It had not come out of my bank account and I was worried. On XX/XX/2018, it was returned from the payment done XX/XX/2018. This was a payment that never came out of my bank account.

I have set up automatic payment during the month of XX/XX/XXXX and I verified with customer service online that I had it set up correctly. A letter dated XX/XX/2018, was mailed stating that per my request my automatic withdrawal is to be cancelled. I did not ask for this. There is no record of this.

I sent the payment through XXXX XXXX   online with their bill Payee system upon returning from a trip on XX/XX/2018, once I realized my automatic withdrawal had not come through. It went through immediately.

Rushmore Loan Management is making it impossible to keep my on time payment record and is fraudulent in how they are operating my account. They cancelled my automatic payment. And they are not helping to ensure I can pay this. On XX/XX/2018, a letter was mailed asking for a revised fire insurance policy. I have not changed my policy since the loan transfer to Rushmore in XX/XX/2018. They are requiring insurance above what is necessary for my area. My policy is through XXXX XXXX XXXX XXXX.