davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-02
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)

I have filed a dispute with XXXX, XXXX, and Equifax, regarding the multitude of inquires listed on my credit report. However the only response i get from them is to contact the company who placed them onto my reports. In the FCRA it states that i am entitled to a fair and accurate credit report. These reports are not accurate. The burden of verification is on XXXX, XXXX, and Equifax since they are the ones who are responsible for ensuring things are correct on my report. They are bound by law to make sure everything is correct. Not to tell me to call the individual creditors my self. I demand that XXXX, XXXX, and Equifax go back into my past disputes, and Remove the unauthorized inquiries from my credit report ASAP
Consumer complaint received 2019-10-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MI)

On Friday, XX/XX/XXXX a man came to my home claiming to be a representative of Mr. Cooper. He appeared to have an ID badge on, but I was unable to look at it. He stated that he was there to check on the property and to give me information that would allow me to meet with a Mr. Cooper representative in person about my hardships regarding paying my mortgage. I refused to take the envelope he tried to give me and I informed him that I had already been in contact with Mr. Cooper and my assigned Specialist was XXXX. I also let him know that I made a payment on XX/XX/2019 for the XXXX mortgage payment and that I am working with XXXX at XXXX XXXX XXXX XXXX. I called XXXX ( ext. XXXX ) and asked her about this interaction and she did not really give me an explanation for this. She said that people do go out to the property and that it is typical, but I felt like she was trying to skirt around the issue. I and XXXX from XXXX XXXX XXXX XXXX called Mr. Cooper on XX/XX/2019 and spoke to XXXX in Oregon ( ext. XXXX ). She stated that someone had inspected the property on XX/XX/2019, but they do not typically talk to the homeowner.
Consumer complaint received 2020-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/20 I received results on my dispute being proven accurate, I think it is incorrect. My credit score dropped 38 points because of my student loan which shouldnt have happened because of the covid-19 pandemic, no loans are required to be paid until XXXX due to the CARES ACT, so my credit score should not have been negatively affected.
Consumer complaint received 2023-01-16
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. (FL)

When I applied for a automobile I did not agree with the extensive inquiries made by car lot. 
I was a victim of fraud and I did not agree with the inquiries made on my reports.
Consumer complaint received 2023-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (TN)

I applied to aidvantage in XXXX. My loan is currently with XXXX from XXXX federal student loans criminally sold to XXXX. 2 mnths after I applied for consolidation, they denied me for having an active judgement. I applied for XXXX  XXXX bankruptcy protection in XX/XX/XXXX. Of which ended in XXXX of XXXX, almost 4 mnths beforehand. Every attempt to resolve this problem has went unsolved. Ive waited 2 mnths for an application to reapply which hasnt been mailed to me. I just need help to reapply with a company that will consolidate my loan. This site will not allow it even after 6 months of waiting and having to deal with Aidvantage. They are part of the problem with predatory lending, yet somehow they are once again forced upon me. They will be the reason my loans go unresolved and deferred. Please send a link to apply for direct consolidation through another company. My first complaint wasnt read. I recieved a email that stated absolutely no help XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-09-02
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. (GA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 and my 30 day letter to comply was sent on XX/XX/2020.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-01-17
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$190.00} XXXX  XXXX  XXXX  XXXX {$380.00} XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX XXXX {$1000.00} In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, # XXXX, # XXXX, # XXXX, # XXXX and the rest of accounts above has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NJ)

I purchased hearing aids about 2 years ago from an office that had a payment plan option. After several months, the office was taken over by new management, that did not offer a payment plan, so they enrolled me in an interest free payment plan that was not fully explained. I paid the minimum monthly amount plus {$100.00} for 18 months, fully expecting to pay off the cost of the hearing aids. On the XXXX month, I received a statement with over {$1100.00} in interest. I now learned that this was a " deferred '' interest plan and not interest free at all. If I had understood the terms, I what have insured that the total cost was completely paid off before the end of the deferred interest period. 


Attached is the statement that includes this deferred interest charge.
Consumer complaint received 2020-07-27
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. (GA)

Upon receipt of my recent credit reports from XXXX XXXX, and Experian, Its apparent there still exist a Fraudulent account I discovered that was opened at XXXX XXXX ( acct # XXXX ) without my knowledge or authorization being reported negatively. This Account was opened as a result of identity theft/identity fraud. Ive subsequently filed a local identity theft police report and Federal trade Commission complaint regarding this matter. Ive properly notified Representatives at XXXXXXXX XXXX  of this matter and have opened a Dispute requesting that they immediately close this Fraudulent account and to STOP the reporting of this INACCURATE, FRAUDULENT INFORMATION from my Experian, XXXX and XXXX  Credit Reports.
Consumer complaint received 2023-01-17
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)

Now this one actually bothers me more than anything more than big debts more than it all a few years back I got furniture and a company called XXXX and with them I financed XXXX and I'm stupid because I had the money I should have paid it out of pocket but we live and learn so I was paying XXXX a week and it would of been ending up paying XXXX but whatever so I paid it so to pay it off and be done my last payment to them was XXXX dollars and when I paid over the phone the girl says you may get charged one more time of XXXX dollars I told her I better not she said well it's on auto payment and it might cut it close I said well cut it off or if it does charge me refund it back I'm paid up and that is the right thing to do I have already paid you guys plenty back. of course, she was rude about it, and I changed my banking info they kept calling and harassing me over these XXXX dollars and I could have paid it but now it's more of a principal matter to me because I actually paid them XXXX so I paid Evern more than what I was supposed to and you're still trying to scam me. you know what they have on my Experian credit report I owe them like XXXX dollars because of interest and late fees and I have my pay ledgers I'm going to send over to you and the contract with them. Its disgusting way to be and what do you do you call them and try to ask them to remove and tell them everything and they laugh in your face and then the credit reporting agency Experian says all things reported are accurately like what the date it opened the date I stopped paying well that's no mystery I'm reporting that this account is paid and I have sent them everything several times so it really bothers me what is it your investigating and with who I literally sent you the contract and my pay ledger and bank statements. I'm not going to stop until all these unjust issues are fixed, I have like XXXX followers and if I have to post everyday about these companies and their unjust ways I defiantly will.
Consumer complaint received 2023-01-17
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

For over four years I have maintained an exceptional payment history on every account. During this time I have also paid off several accounts and presently have a XXXX balance on all remaining revolving accounts and paid off two installment accounts for over {$11000.00}. My only obligations at this time are my mortgage and heloc. Last year, I had paid ahead my XXXX XXXX installment account so I didn't have another payment due until some time in year XXXX. I decided to go ahead and pay this account off anyway about a month ago for over {$4000.00}. 
Last week my score went to XXXX and I was fine with that. I thought someone had finally taken the time to begin to fairly adjust my score. However, after my report recently updated to show a {$0.00} balance on an OPEN revolving XXXX  account, my score went DOWN to XXXX and all of a sudden I have " Lack of sufficient credit history ''. ( The closed XXXX  account on the Equifax Report shows an age of XXXX XXXX. ) Also, there were " Too many inquiries '' according to Equifax. ( I have nine inquiries with one dropping off this month and three dropping off this year. Two last year were obviously competitive and one inquiry " XXXX '' should not even be on my report-I disputed it as fraud but it is still there! My credit report was locked during that time so how did this happen? Also all but one are from the SAME lenders I have been with for years now and the new one is for my son 's student loan deferred until some time in XXXX for {$99.00} mo. Additionally, there have been NO INQUIRIES THIS YEAR. So is Equifax grasping for something? ) I have no bankruptcies, judgements, liens and nothing that should negatively affect my credit report account at this time. 
Equifax is not fair. I have PLENTY other examples that I can share if needed. I have to wonder am I being discriminated against, or does the company get more money to keep scores low, or are their staff trained this way??? There is something going on there and it is not fair. Equifax will find a way to keep your score from rising. 
I feel that Equifax IS being discriminatory, if not by race, by some other measure that ultimately hurts those already at the lower end of the credit scale. Please look into this.
Consumer complaint received 2023-03-02
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2020-10-07
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: Experian Information Solutions Inc. (NC)

Mailed in documentation to have Hard inquires unrelated to open accounts removed from report, Student loans are in violation of Discharged and to have the XXXX XXXX XXXX account blocked/delete from my credit report. 
In violation of State and Federal law. 

Mailing receipt : XXXX XXXX
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-16
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. (PA)

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 for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-16
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. (MD)

Under 15 U.S. Code 1681i 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- ( i ) 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 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Experian continuously not provide proof on how the investigation was conducted. According to documents from CFPB, XXXX XXXX stated the file will be deleted for inaccurate reporting and after I filled a dispute with experian, they keep verifying as accurate even when the finisher stated the account has been deleted which shows experian doesnt conduct investigation but issue an accuracy without documents backing up the disputes resolution. Experian needs to be investigated as they never conduct no investigation as if there was truly an investigation and document review, they would find out the finisher deleted the account. Investigate experian for improper use of service
Consumer complaint received 2023-01-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Certified Solutions, Inc (NJ)

I received a letter from this address : Certified XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Stating that I owed money to my Doctor 's office, XXXX XXXX, and they were trying to collect the debt. 
I called the XXXX 's office right away to clarify and they said no, there was no debt. This is a scam.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2023-04-12
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. (NC)

I am certifying and contesting that this letter has been sent with my free Will. I am contesting out of good will and faith that I have not hired any third party to communicate on my behalf. 
I am an identity theft victim. This item that appear on my credit report do not belong to me. Due to you all reporting this item and incorrect information on my report, I am in fear that this will cause even more identity theft and harm to my credit reports. As it is your due diligence as a reporting agency to make sure that what you are reporting is ACCURATE. 

This letter is in request that you all follow suit with section 605B ( 15 U.S.C 1681 C-2 ) which states that you are to BLOCK these fraudulent account off my reports within FOUR days of receipt of this letter. I am asking that you all remove this items off my report within FOUR business days of receiving this letter as they do not relate to any transactions that I have made. 

XXXX
Consumer complaint received 2020-07-27
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. (AR)

My identity has been compromised. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.