davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-27
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-27
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-27
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. (SC)

According to the fair credit reporting act, XXXX XXXXl account number XXXX and XXXX XXXX XXXX XXXX account number XXXX have violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-29
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4500.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$6700.00}, DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$6900.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00}, DEPT OF EDUCATION/XXXX  XXXX Date opened XX/XX/XXXX XXXX {$6500.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX XXXX {$11000.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$3200.00} XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$20000.00}, XXXXXXXX XXXX  XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$1200.00}, XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX XXXXXXXX XXXX ( Original creditor : XXXX XXXX XXXX. ) XXXX  Date opened XX/XX/XXXX Balance {$1100.00}, and XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4100.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I applied for a XXXX XXXX credit card last year and when I checked my credit report shortly after I received my card, I noticed it had 2 accounts listed. Both accounts were opened on the same day but one was closed that same day. I reached out to XXXX  XXXX and they looked into it. They apologized and said they were not sure how it happened but confirmed the account was closed and it was their mistake. I asked them to make sure it was reported on my credit. Fast forward to a year lasted and its still listed on my credit report as I opened and closed the account which I DID NOT DO. I disputed it with transunion and they did not get it removed off of my credit report. I did not open this account but yet it is still remaining on my report and no one can seem to help me.
Consumer complaint received 2022-06-27
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)

I received a notification that my credit score had dropped on my Experian account XX/XX/XXXX, I checked my Experian credit report and saw that there was a collection on there from a company called XXXX XXXX. When I clicked on the name it showed details that said that the original creditor was XXXX XXXX and they had referred me to a collection agency for not paying a bill. 

However, this is NOT by bill. I have never used XXXX, I have been with the same phone service for almost 20 years now, and it is XXXX XXXX XXXX XXXX Therefore, this collection does NOT belong to me. 

XX/XX/XXXX, I initiated a dispute via the app about this incorrect information on my report XX/XX/XXXX, I called Experian and they confirmed they received the dispute and suggested I go to this website ftc.gov and file a fraud report, and then upload the report back to Experian
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (SC)

I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.
Consumer complaint received 2022-11-07
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. (IL)

So check this out, I went to get a job and was denied things on my credit report that don't belong to me there's a car loan two cards that don't belong to me at all they are a result to identity theft.
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OK)

I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did a research myself and found inaccuracies on my credit report even after they said they did a full research. In Accordance with Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, all have violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS
Consumer complaint received 2022-06-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (SC)

Based on new information, this complaint is a renewal of complaints XXXX and XXXX and the documents that are submitted with them. As we have now discovered that we are victims of the harm we alleged in those complaints against XXXX XXXX and their assignee, our new mortgage servicer Rushmore Loan Management. The loan modification that Rushmore Loan Management Services forced us to accept in XXXX of XXXX, with a XXXX month trial period, which added an additional {>= $1,000,000} dollars in principal and XXXX years beyond the normal XXXXyear mortgage, has put us at a disadvantage as we have been notified while seeking to refinance that our previous loan should have never been written as such and is harmful to securing new terms. Specifically, the mortgage rates we could have secured when the modification was being written were almost XXXX points lower and would have resulted in an annual savings of XXXX  of dollars ( at least XXXX monthly ). And because of the increased principal, any monies we now seek to access in the form of equity will increase our mortgage payment further beyond that which Rushmore crippled us with. This was revealed in a mortgage refinance we applied for around XX/XX/XXXX, and can show where our mortgage increases to {$1500.00}, or an additional {$340.00} a month because of our desire to access the same amount of equity, even at a lower interest rate. We believe that Rushmore Loan Management Services rushed us into a bad loan when they knew we were vulnerable, and strategically installed a number of predatory measures in our loan that were designed to keep us beholden to them during a time when they knew or could have predicted the financial crisis that existed and how mortgage rates would respond under these conditions. This places us in a dilemma where if we access the equity we have earned in our property, we end up crippling ourselves in the form of a higher mortgage and principal balance. This is unjust and detrimental to us and will have long-term consequences.
Consumer complaint received 2022-06-27
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. (MD)

My Experian account number is XXXX I have tried on numerous occasions to correct my personal identifiers on my credit report to no avail. 

The only information being report that should show : Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
XXXX, MD XXXX XXXX XXXX XXXX - telephone XXXX XXXX XXXX - birthday
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to formally request the removal of an unauthorized inquiry on my credit report as a victim of a data breach. Pursuant to FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I ask that you block and delete the following inquiry from my credit file : Unauthorized Inquiry to be Deleted : XXXX XXXX XXXX  Inquiry Date : XX/XX/2023
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation : and I filed with TransUnion a dispute for investigation for a fraudulent collection. 

Dispute Results Report Created On : XX/XX/2022 File Identification Number : XXXX Report disputed on XX/XX/2022 Name XXXX XXXX ACCOUNT NUMBER XXXX This was my investigation results INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 

We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Closed. Here is how this account appears on your credit report following our investigation. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The account still shows open it also shows XXXX missed payments since the opening of this account but that cant be accurate if my account is in collections according to my credit report. Investigation did not give me complete information requested per dispute.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I keep getting debt collection letters from " Portfolio Recovery '' and debtors, of multiple Collectors for the same debt ( s ) and I asked for a " signature agreement '' or original copy of the credit card or my " Special Fonts '' signed e-signature to prove these debts are " Not '' from the Identity Thieves, that Stole my personality and keep Selling my info and data over the internet. I received a normal monthly type " bill statement with my name typed onto a state and bill. The Thieves have that " personal Info '' same as these Debt Collectors. but, The Credit Agencies have alerted me many times, that my personal and info is being shared over the Dark web. I can't seem to get the help or verification of my " signature document '' from any of these Collectors and my cases just get closed as the debt collectors send you all at the Consumer Financial Protection Bureau ( CFPB ) and the credit agencies the same " statements '' with my personal name and address and then you all close the cases and so does the credit agencies. where is the " Reporting and Collecting Proof of signature Agreement???
Consumer complaint received 2022-06-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch (GA)

I paid in XX/XX/2020 for a collection bill for XXXX XXXX XXXX electric bill of {$270.00} account # XXXXHELVEY & ASSOCIATES INCORPORATE never discussed anything about disputing after I paid my account. I asked HELVEY & ASSOCIATES INCORPORATE to remove and dispute it from my credit report. They stated that they could not remove it and that it would remain on my credit report. HELVEY & ASSOCIATES INCORPORATE never said that at the beginning of me paying for my account. HELVEY & ASSOCIATES INCORPORATE has affected many customers by not removing or discussing anything about disputing a collection. HELVEY & ASSOCIATES INCORPORATE is not a XXXX  ACCREDITED.
Consumer complaint received 2022-09-27
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: GOLDMAN SACHS BANK USA (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX APPLE CARD/GS BANK USA has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.