davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
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. (IL)

Hi I am submitting this XXXX 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 two year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TN)

Approved Trial Plan Agreement by mail dated XX/XX/2021, 1st payment due XX/XX/2021 amount {$830.00}. Received letter dated XX/XX/2021 Notice Of Default And Intent To Accelerate stating I am in default of my mortgage. Contacted Flagstar customer service XX/XX/2021 to discuss mail received I was informed by XXXX ID # XXXX Flagstar customer service my mortgage servicer XXXX XXXX sent the notice in error, I asked for a supervisor she ask me to hold and the call was disconnected. I call back and spoke with XXXX XXXX Flagstar customer service told him about the letters received and he said you are in default we sent the letter and I would continue to receive letters of default even though I am in a modification Trial. Again I ask for a supervisor and I was left on hold. 
Flagstar customer service is rude and unconcerned. They refuse to assist the customer with keeping their homes out of foreclosure
Consumer complaint received 2022-09-07
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: CCF Intermediate Holdings LLC (MS)

I disputed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I do not know who they are. They never responded to me, it has been over 30 days. Their trade name Speedy and Rapid Cash, I have never borrow money from them or applied to them.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

I sent multiple letters to Bureaus over the last year about this alleged bankruptcy and It was finally removed from my XXXX Consumer Report on XX/XX/2022 Only. But 3 the accounts that tied to this alleged bankruptcy remains and they should be removed. These are the 3 accounts are tied to the alleged bankruptcy and the bankruptcy is removed/deleted from transuion so the accounts be removed as a result. 

XXXX XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX  XXXX ACCOUNT : XXXX I sent all of the of required documents needed to show the alleged bankruptcy and the accounts tied to the bankruptcy must be removed. 

According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY XXXX you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy XXXX would be the creditor to furnish this information and have previously communicated with through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies ( EXPERIAN, XXXX, AND XXXX ) and the minors such as XXXX XXXX, XXXX XXXX, XXXX, and the likes. US Bankruptcy XXXX has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy XXXX, I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. 

Having the abovementioned information, ( EXPERIAN, XXXX, AND XXXX ) is violating my federally protected consumer rights. In addition to that violation, you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give you neither direct nor indirect permission to furnish my information. 

They continue to violate me as a consumer and I have called them as well and they continue to say that the Bankruptcy COurts verified the bankruptcy when clearly the letter states that they dont. So the are lying and committing FRAUD willingly and knowingly.
Consumer complaint received 2022-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (CO)

I booked a flight in XXXX from XXXX. I changed it due to the lengthy travel times between the airport to our hotel. A XXXXXXXX XXXX couldn't have sat for that long. Not realizing that although my flight was canceled and rebooked with the same rental car service and a closer airline to our hotel, XXXX did not cancel my rental for XXXX rental cars. I used Affirm to make the purchase and also chose XXXX rental again for the new car at the new airport. I paid off Affirm only to find that they required another {$450.00} from me because of a RENTAL CAR I NEVER USED and believed was canceled as it was a package deal. There was no information regarding this when I canceled and it was a very sneaky, underhanded move. I will not pay for services I did not use. I still purchased from XXXX and I still used XXXX. The customer service at both Affirm and XXXX is comparable to their despicable supposed policy limits. This is strong-arming and I will not pay a conglomerate corporation like XXXX money I DO NOT OWE. Consumer abuse tactics like this are reminiscent of fascism. 
Furthermore, XXXX rental cars provided a completely different vehicle from the one we chose. A mini XXXX without A/C in XXXX weather XXXX
Consumer complaint received 2023-06-06
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. (NV)

There are multiple inquiries on my account that were made. Ive asked them to removed inquires because I didnt make those inquires. my account has identity theft on and my account is also frozen. 

Ive called all these companies about the inquiries. Ive called on XXXX XXXX XXXX Nothing was deleted from all of the company accounts. 
Inquires were dated on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX  Ive asked them to delete address XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX
Consumer complaint received 2021-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (MD)

On XXXX XXXX, I received a notification that my credit score dropped. After checking, I learned that an account I never set up for XXXX was the reason. The account had not been paid, {$590.00} was owed, and sent to collections. I called the company to let them know I never had a account with XXXX, and an identity theft report was set up. I also informed XXXX, and got a alert set up to avoid this happening again. I was told of the person who set the account up by the collections agency, and the addresses connected, which I had never lived.
Consumer complaint received 2022-07-10
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. (GA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 


U.S. DEPARTMENT OF EDUCATION Account # XXXX XXXX XXXX Account # XXXX 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 written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s=2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

I sent multiple letters to Bureaus over the last year about this alleged bankruptcy and It was finally removed from my XXXX Consumer Report on XX/XX/2022 Only. But 3 the accounts that tied to this alleged bankruptcy remains and they should be removed. These are the 3 accounts are tied to the alleged bankruptcy and the bankruptcy is removed/deleted from transuion so the accounts be removed as a result. 

XXXX XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX  XXXX ACCOUNT : XXXX I sent all of the of required documents needed to show the alleged bankruptcy and the accounts tied to the bankruptcy must be removed. 

According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY XXXX you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy XXXX would be the creditor to furnish this information and have previously communicated with through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies ( XXXX, EQUIFAX, AND XXXX ) and the minors such as XXXX XXXX, XXXX XXXX, XXXX and the likes. US Bankruptcy XXXX has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy XXXX, I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. 

Having the abovementioned information, ( XXXX, EQUIFAX, AND XXXX ) is violating my federally protected consumer rights. In addition to that violation, you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give you neither direct nor indirect permission to furnish my information. 

They continue to violate me as a consumer and I have called them as well and they continue to say that the Bankruptcy COurts verified the bankruptcy when clearly the letter states that they dont. So the are lying and committing FRAUD willingly and knowingly.
Consumer complaint received 2022-03-10
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. (MO)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2022-11-30
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)

Hi My name is XXXX XXXX and I have been a loyal customer with XXXX XXXX XXXX XXXX XXXX ) for more than XXXX years. I have started using their credit card approximately XXXX  years ago. Since the beginning, I used XXXX 's auto-pay feature for credit card which ensures that my payment is on time. However, this XXXX, this feature is magically turned off without me knowing about it. ( I believe it is due to some systematic error on XXXX 's part ). Therefore, from XXXX - XX/XX/2022, I was unaware that I have not been paying my credit card bills as a result of auto-pay being turned off and XXXX did XXXX to inform me of it. I had more than enough money in my debit account to pay for the XXXX dollar bill in my credit card and it is not meant to be delinquent. Once I realize this issue in XXXX, I paid them right away. However, I am now stuck with the late payment on my credit report which are negatively impacting my XXXX XXXX. I explained this issue to them but they keep saying that they are reporting the " truth '' to the credit bureau. I'd like to complain this issue because I believe that there's some kind of systematic error that turned off my auto-pay in which I am not at fault. The resolution for this issue is simple, I hope XXXX can revert the late status on these payments on my credit report.
Consumer complaint received 2022-03-10
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: EQUIFAX, INC. (MO)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2022-06-16
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. (NV)

In accordance with the Fair Credit Reporting Act the following has violated my rights. 
XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, De XXXX XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  Acc # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 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 with out my written instructions
Consumer complaint received 2022-05-03
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)

Please correct my personal information on my credit report. Attached is a copy of a bill along with a copy of my drivers license displaying my correct address. The only address that is valid on my credit report is : XXXX XXXX XXXX XXXX XXXX, XXXX FLORIDA XXXX. 
The correct spelling of my name is : XXXX XXXX XXXX My employer information should be : XXXX XXXX ALL OTHER ADDRESSES OTHER THAN WHAT IS LISTED ABOVE AND STATED ON MY DRIVERS LICENSE ARE INCORRECT AND NEED TO BE REMOVED ACCORDING TO THE FAIR CREDIT REPORTING ACT AND : 15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-03
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)

Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request. Please and thank you!
Consumer complaint received 2022-08-01
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. (CA)

As a consumer I am aware of certain rights I have that are protected by Congress under the Fair Credit Reporting Act ( FCRA ). 

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX  XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX  XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX  XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX  XXXX XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

Sincerely, XXXX XXXX XXXX XXXX