davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX, this complaint is not made in error nor 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 account. 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. Please delete the account below from my report : XXXX XXXXXXXX Date Opened : XX/XX/2014 Balance : {$11000.00}
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : : {$0.00}
Consumer complaint received 2019-06-25
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: American Elite Recovery, LLC (MO)

I have been receiving robo calls and texts stating that this is a final attempt to reach me before forwarding the file to my place of employment. When I did call back the first time, the man had my social security number and said his company would be adding my spouse to the debt because they could do that in Missouri. He never announced what company he was calling from. XXXX questions asked if I was recording the call or if anyone else was in the room. He was very rude and unprofessional. Offered a " deal '' and when I asked when it would have to be paid he yelled and said he was marking it as a refusal to pay. Received text requesting a return call and I called. This time, " XXXX XXXX '' answered on XX/XX/XXXX about XXXX XXXX CST at XXXX. I told her I have not received any verification of debt. She told me to hold on and she would send it via email. She sent it, but it had some grammar errors and red flags in the letter, so I terminated the call. The letterhead lists the company name as American Elite Recovery.
Consumer complaint received 2022-08-22
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: SYNCHRONY FINANCIAL (NY)

SYNCHRONY FINANCIAL XXXX I tried to purchase a item at a XXXX  XXXX XXXX and a salesman decided to run my credit to see if I can purchase the item.ask would this get me any hard inquiry on my credit report he said no.he ran up and supposedly my card was to low for the purchase.so told me about SYNCHRONY FINANCIAL and I wasnt interested and told him I dont want the service and said ok.I went home later that day and realized that my credit score dropped and one hard inquiry on my credit report.he use my information and me up with out my consent after I refused his financial offer.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-08-22
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: EQUIFAX, 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 XXXX has me at a score around XXXX. 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 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 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 XXXX XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
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/XXXX I also demand you to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

Best Regards, XXXX XXXX XXXX Mack Agent/Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2022-08-22
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: EQUIFAX, INC. (NY)

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 2022-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (IL)

Hello- I am a XXXX XXXX XXXX Veteran, who is rated 100 % service connected XXXX by the Veterans Benefit Administration or the " VA. '' Because of this, in the state of Illinois , I am eligible for the Veterans with Disabilities Property Tax Exemption . This means I pay {$0.00} in property tax for the rest of my life. Per the law, we waited for one year after purchasing our home to file for this, which we were approved and have begin receiving tax statements indicating {$0.00} balances for XXXX & XXXX ( attached ). We worked very diligently with our old mortgage company, XXXX XXXX XXXX  ( XXXX ) in removing the taxes from our mortgage payment since XX/XX/XXXX, which was over ONE YEAR since we closed on the mortgage. We filed a complaint to CPFB about XXXX and received a response ( attached ). However, on or around the date of receiving the response from XXXX, and CPFB our mortgage was transferred to Flagstar Bank. Needless to say, we have had to start all over again in working to get the taxes removed. We have spoken to multiple representatives at Flag Star and have our property assessed multiple times. Unfortunately, our mortgage payment has increased by exactly {$200.00} since the assessments. Our taxes have not been removed despite providing Flagstar with necessary records and documents, including an official letter ( attached ) from the XXXX XXXX Assessors office specifically stating we pay {$0.00} in taxes under the Homestead Exemption for Veterans with Disabilities law. We were told by Flagstars representatives that the letter must specifically show the exact dollar amount in compliance with Flagstar policy in order for them to process the exemption and make changes, despite sending them the most current tax bills containing the amounts. We then went back to the county and were told that they do not put exact dollar amounts in exemption letters due to the fluctuating nature of the assessed property values. Which puts us to where we are at now with higher mortgage payment and still paying property taxes despite the Illinois Homestead Exemption for Veterans with Disabilities law. We have done all we can by submitting current tax bills and a letter from the county assessors office. Please find all necessary docs attached to this request.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I also demand you to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

Best Regards, XXXX XXXX XXXX Mack Agent/Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2022-08-22
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. (CA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX 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 2023-03-22
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. (TX)

I have made multiple efforts to reach out to XXXX XXXXXXXX for my XXXX XXXX XXXX  about the status of their inconsistent reporting on MY Personal consumer report! I have attatched proof of almost all details on the account reporting to multiple credit agencies The last time I reached out I was advised thee account was charged off for the amount of {$720.00} and written off. However they are still requesting I pay them. They need to send me a 1099 for the write off.At this point that means the account balance is my income and income Should NOT be reported on my consumer report under my circumstances. I have also sent a complaint to the attorney general hoping to have this issue resolved.
Consumer complaint received 2019-06-25
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I filed for Bankruptcy in XX/XX/XXXX. Nissan Motors Acceptance also known as Nissan-Infiniti LT ( account # XXXX ) was included in the bankruptcy. 

I currently have an auto loan and credit card with XXXX XXXX. XXXX XXXX provides a credit monitoring service ( XXXX XXXX ) to it's member. On XX/XX/XXXX, XXXX XXXX informed me that my credit score was XXXX. 

Early XX/XX/XXXX, I received an alert from XXXX XXXX informing me that my credit score had dropped by 11 points. 

I immediately purchased membership to XXXX ( $ XXXX/mo ),  XXXX ( $ XXXX/mo ) and XXXX ( $ XXXX/mo ) in order to investigate and dispute the matter. 

I found that Nissan Motors Acceptance also known as Nissan-Infiniti LT ( account # XXXX ) had reported payment status to all three credit bureaus which caused my credit score to plunge. 

I filed a dispute with all three credit bureaus. The results came back the same, Nissan Motors Acceptance also known as Nissan-Infiniti LT ( account # XXXX ) confirmed that this account was part of the bankruptcy and that they should not be reporting on this account. 

However, to date ( XX/XX/XXXX ), my credit score still has not recovered. XXXX at the time Nissan/Infiniti reported in XX/XX/XXXX, my score was XXXX. Today it is currently XXXX. XXXX  at the time Nissan/Infiniti reported in XX/XX/XXXX, my score was XXXX. Today it is currently XXXX. XXXX  at the time Nissan/Infiniti reported in XX/XX/XXXX, my score was XXXX. Today it is currently XXXX. 

Today, as I prepared my evidence to upload, I noticed that the last date that Nissan/Infiniti reported to XXXX was XX/XX/XXXX. Nissan/Infiniti is still reporting and ruining my life. The current XXXX   report does not reveal the last date reported. XXXX XXXX website is having technical difficulties so I was unable to retrieve a current report. 

My credit is damaged. I can't apply for many of the credit card offers that I have received since XX/XX/XXXX. I would like to change my residence. I would like to rent a single family home, but I would not qualify for the rental of a house, in an area of my liking, with this damaged credit. 

I dont know where to begin to attempt to figure out how high my credit score would be if Nissan/Infiniti had not committed this error. All I know is the Nissan/Infiniti has caused me and my credit status grave damages and this must be rectified immediately if not sooner.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my Consumer Reports and noticed that i had 2 late payments on accounts that i was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy i have never been late on payments for the accounts XXXX XXXX XXXX # XXXX, XXXX # XXXX. 
Please investigate and provide proof with statements showing that these payments were late .If proof can't be provided i demand these payments be updated to on time as they should be as i was never late .Thanks
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: Experian Information Solutions Inc. (LA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2023-03-22
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report. Please correct this ASAP : XXXX XXXX XXXX
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (CA)

Wrong late payment reporting post forebearance, 90 - 180 days late for XXXX, XX/XX/XXXX and XX/XX/XXXX. This debtor has not received mortgage statement billings from Nationstar/Mr. Cooper since XX/XX/XXXX. Debtor was capable and willing to make payments post forebearance, but did not receive information about the program and most importantly, when it would be ending.
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 — Reporting company used your report improperly
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 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 2021-12-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-05-31
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc. (CA)

Checking my credit report XX/XX/2018 with all 3X Credit Bureau 's, I overcame a account reporting a balance {$900.00} placed for collections, I've told them i have knowledge of this debt, Collectors harass me consistently while living my day to day life.
Consumer complaint received 2021-11-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (FL)

PayPal Credit XXXX Synchrony Bank ) refuses to communicate to PayPal that a dispute with XXXX XXXX has been cancelled due to the fact that XXXX XXXX has agreed to refund the amount for {$XXXX} as long as there is no dispute open either on PayPal Credit or in PayPal. And PayPal Credit alleges that they have no relationship with PayPal even though they act as sole beneficiaries of the interest charged on monies owed so it is in their best interest not to proceed with due diligence and charge customers for monies and interests that not owed.