davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-20
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. (TX)

My state and the applicable federal regulations and standards for proper lawful reporting requires that any injurious claim of delinquency and or derogatory information be factual and physically verified reporting standard ( s ). The inability to validate and certify compliant reporting is grounds to demand deletion of claims, and this is my contradiction and denial to any negative implication and my right to insist such reporting be deleted immediately. Please supply the following information in complete detail : These inquires were not by permissible purposes and I want them deleted immediately and then send me an updated credit report within 15 days. 

Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 


XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXXXXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX  Inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX 2020
Consumer complaint received 2021-05-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

I NOTICED IN MY CREDIT REPORT TWO ACCOUNTS THE I NOTICED WERE NOT CORRECT AND I TRIED TO REACH OUT TWO THE CREDIT BURUEAS IF THEY CAN INVISTIGATE AND RESPOND TO ME AND I GAVE THEM 30 DAYS. THEY HAVE NOT RESPIONDED TO ME. I SENT THEM ONE LAST LETTER XXXX CERTIFIED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2005 XXXX XXXX XXXX XXXX XXXX ARE THE RECEIPT SLIPS FROM THE MAIL
Consumer complaint received 2021-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Run Solutions, LLC (AZ)

I had two 36 month contracts with XXXX  which ended in 2014. I formally cancelled the contracts in writing however XXXX only cancelled one account. XXXX continued to bill me for services for one of the two contracts after the written cancellation. I notified XXXX multiple times via emails and telephone calls. XXXX was on autopay and collected funds well beyond the contract period and after the cancellation. I asked for a refund of the amounts paid in error which XXXX refused. I stopped payments then XXXX sent the account to Mountain Run Solutions , LLC ( collection agency ) which then reported on my credit reports. I notified the Mountain Run Solutions , LLC that I do not owe this debt. I forwarded copies of the emails to XXXX to prove that I do not owe this debt. Mountain Run Collections refused to remove this from my credit report after receiving proof of cancellation. 

I am purchasing a house and have to pay a higher interest rate as my credit score was negatively impacted by the erroneous credit bureau collections.
Consumer complaint received 2021-01-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLANET HOME LENDING, LLC (CA)

i applied for a VA streamline refinance with a lender other than the current one. i realized i not did have the Note in the package provided by the original lender. i have tried for a month to obtain the note from current lender. i need your help to obtain a copy of the note from current lender to consummate my refinance.
Consumer complaint received 2022-07-23
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. (NY)

Im submitting this complaint again to inform you I was the victim of identity theft. Per FCRA section 605b, you are required to remove/block the items listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items that I want to remove : XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020.
Consumer complaint received 2022-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (SC)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against LJ Ross Associates , Inc. for committing identity theft. I have never given LJ Ross Associates XXXX Inc. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( XXXX ). 
I have never received any documentation requesting validation from LJ Ross Associates , Inc. before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( XXXX ) which the FTC defines as debt parking. If LJ Ross Associates , Inc. can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until LJ Ross Associates , Inc. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LJ Ross Associates , Inc. continues its collection efforts, I will file for litigation for actual damages caused and LJ Ross Associates , Inc. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2023-03-22
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: SYNCHRONY FINANCIAL (IL)

XXXX credit bureau shows account opened with synchrony bank/Sams club on XX/XX/23 which is incorrect and I have no knowledge of this. Ive disputed with XXXX and their final results show as accurate. Ive contacted Synchrony bank directly and provided my personal information to them but they have no record of me.
Consumer complaint received 2020-05-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (KS)

FICO keeps reporting seriously delinquency through my credit union FICO score app when no credit bureau reports this and shows me current and without delinquency.
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc. (IN)

someone opened a charge card with XXXX XXXX and i only use my bank only i got letter telling me to come here again to fill out form and have notorized cant find theform this page is not user friendly they want a police report but police wont do anything we been down this road before why we put security on our bank accounts and looks like we notgetting help now being told tofill forms out that not available
Consumer complaint received 2021-05-20
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. (WI)

XXXX XXXX  and XXXX XXXX XXXX card were paid with agreement to delete the account information, XXXX XXXX states a request to delete was sent in XXXX/XXXX/2020 of last year but still reporting on credit report and XXXX XXXX is now stating they are no longer willing to delete the information on the report and information does not reflect accurately on credit report
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I paid off my mortgage on XXXX XXXX. XXXX reported on my credit report as 120 days late at the same time as reporting my mortgage was paid off. I was in Forbearance due to COVID but have never been late. I have contacted my mortgage servicing company at beginning of XX/XX/2021 to have them take this off my credit. To this day I still have no resolution.I have also disputed it with all 3 credit bureaus still no resolution. My credit score has plummeted due to this false negative report on my credit.
Consumer complaint received 2022-09-26
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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Experian is reporting XXXX account XXXX XXXX payment account as verified. I have attached and have shown them as well the mistakes they made! I was never late and they have listed me 30 days late in XX/XX/XXXX and then 90 days late in XX/XX/XXXX... HOW CAN THIS HAPPEN??!!

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 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2021-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (OH)

In XXXX XXXX 2021 XXXX, I was a victim of fraud and someone purchased {$4500.00} worth of gift cards and other ridiculous items and I contacted my bank immediately to notify them of fraud. 
Chase Fraud Department stated they would fix these issues and at the time they reversed the charges. Three months later, in XXXX the fraud department added {$1300.00} of those charges back to my card and stated that I benefited XXXX which no on benefits from fraud ). I provided them an email from XXXX and XXXX stating these charges were cancelled and refunded and these were fraud charges. 
The Chase Fraud Department is still trying to make me pay for these transactions even though I provided them with the information from both Merchants stating this was fraud and were unauthorized charges.
Consumer complaint received 2022-07-22
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 71XXXX 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 XXXX 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 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 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX 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 XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-03-22
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 (TX)

Approximately a year and a half I've been fighting creditors over ( 8 ) unauthorized inquiries on my consumer disclosure. I spoke to the fraud department to each creditor, they assured me within 90 days these inquiries will be removed. However, they still remain on my file. These creditors did not have my consent to pull my credit file and lower my credit score at the same time. They had no permissible purpose, they illegally violated my consumer rights. I spoke to each Credit Bureau as well as their creditors and I basically am not getting anywhere with either one of them they are not cooperative.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Re : Acct : XXXX XXXXl To Whom It May Concern : I am writing as a member of the nationwide class of the XXXX XXXX XXXX XXXX XXXX, No. XXXX class action settlement. Essentially XXXX XXXX was sued for predatory lending practices, improper notices in connection to collecting on loans as well as various violations of the XXXX code. While I only received a small amount of money from the settlement as a class member, XXXX also agreed to request that the XXXX nationwide consumer reporting companies XXXX, XXXX, and TransUnion delete trade-line information on your credit report related to your account with XXXX that is the subject of this case, as well as ceasing accrual of finance charges and late charges on deficiency balances. In fact, my XXXX  XXXX XXXX was repossessed I believe 3 times during the requisite time period. This has not been done and this account still appears on my credit report The purpose of this letter is have this account removed entirely from my credit report as it is clearly having a negative impact on my credit as mandated by the aforementioned class action settlement agreement. I trust you will adequately investigate this matter and remove this tradeline within the timeframe as provided by law.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Experian and XXXX should not be reporting a balance of {$30000.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was stolen and the insurance company paid off any balance due. I have attached a copy of the police report and insurance documents for reference. This account needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-07-23
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. (PA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, XXXX - Account Number : XXXX, 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I have sent numerous letters via Mail and have not had a response back yet. 

I have attached a screen shot of the account that is reporting inaccuracies and I have went the extra mile to circle the errors that's hurting my report. 

I have included my government issued Id and proof of address for verification because I do not want to delay this issue any more than it has by being ignore by the credit reporting agencies
Consumer complaint received 2021-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (MD)

XXXX ) On XX/XX/XXXX, I ordered a pair of boots on XXXX and paid {$61.00} via PayPal and I expected to receive a Left foot and Right foot. The details of my order are still in my account on the XXXX XXXX online store. 2 ) On XX/XX/XXXX, I received my order from XXXX XXXX XXXX ) On XX/XX/XXXX, I opened the package and realized that XXXX XXXX had sent me the WRONG product : they sent me a Left foot and Left Foot. Nobody can walk in a left foot and left foot pair of shoe. XXXX XXXX XXXX XXXX advertised a Left and Right shoe ( see attached screenshots of their product advertised on their online store ). 5 ) I immediately attempted to contact XXXX XXXX on the phone the same day I received the order, but could not get through the line. 6 ) Then I submitted a claim on Paypal the same day too.7 ) All I need is to RETURNthis WRONG product to XXXX XXXX and get my refund. 

I contacted PayPal on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time I am told that they see that the items were wrong and are going to be fixing the issue. They say they will send me an email confirmation. But I have never received any email follow-up and certainly no resolution. 

Rather, they keep on sending me a " request for information '' requiring me to take the boots to an expert who will then certify on an official letterhead that the item is not as described. 
Never mind that 1 ) we are talking of a {$61.00} leather boot, 2 ) they can see clearly from the pictures that the item that they sent is wrong 3 ) why must I take the book to an expert for certification when I am asking the XXXX to take their boots back? they can take it back and certify for themselves if the item is correct or not. 

These outrageous request for " expert certification '' from paypal and its sellers are corrupted denial tactics to abuse customers when they know that they have no other reason to withhold a refund. 

This issue occurred in XXXX, 2 months ago. If ninewest and paypal truly lived by what they purport to be their values, they would have promptly apologised for the mistake. Rather they chose to put me through endless aggravation for a mere {$61.00}.