davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-19
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)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2022-04-08
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (FL)

I have attempted numerous times to explain to Capio that I had paid this balance, and my college told me I had to call and pay them. I paid the balance twice, and Capio also verbally told me on the phone that they would remove from credit reporting once paid. Now that my college has a payment tracking system online, I was finally able to obtain a receipt of the payment to the original creditor. With this now being received, I am hoping they will finally remove this account from my credit reports.
Consumer complaint received 2022-04-08
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. (MA)

They are sharing my personal information. 

15 U.S.C 1681 section 602 A. States i have the rigth 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 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-08-02
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. (CA)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # 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
Consumer complaint received 2020-05-19
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. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

I called Kia motors Inc. financial department to get a deferment on my lease which they agreed to however they reported a late payment on my credit which damaged my credit I have called them numerous times to reverse this but they have not done so our original agreement was for them not to report late until COVID-19 was over. I was going to continue making payments which I still lamb I need them to remove the late payment that was reported incorrectly
Consumer complaint received 2020-05-14
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. (NH)

I contacted XXXX XXXX to get an extension on a due date of XX/XX/2019 and they assured me it would not go against my credit. It is showing as a late payment. XXXX refuses to fix it, and the report I filed with XXXX  did not show any updates once completed. The reports I filed with TransUnion and XXXX  have not been resolved or responded to after a considerable amount of time.
Consumer complaint received 2020-05-14
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. (RI)

Due to Covid -19 I asked my auto lender XXXX XXXX XXXX for a 2 month reprieve from monthly payments ( XXXX & XX/XX/2020 ) as I was just laid off. Payments were to begin XX/XX/2020. XXXX XXXX XXXX made the arrangements and stated to me that my account was on hold for the following 2 months. 

I recently had my credit pulled and noticed a late payment date of XX/XX/2020 for my XXXX XXXX XXXX loan. XXXX XXXX XXXX refuses to remove the incorrect late that they placed on all 3 of my credit bureau profiles.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

show tooltip button XXXX XXXX XXXXDispute XXXX/XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute FILED FTC AND CFPB 45 DAYS AGO
Consumer complaint received 2021-04-27
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: SYNCHRONY FINANCIAL (MD)

I disputed my XXXX credit card account with XXXX  and directly with Synchrony Bank. XXXX is stating that this account has been verified with the company but Synchrony bank is saying that they are reporting accurate information to Transunion and if I have any issues to contact XXXX. This account with XXXX account # XXXX was opened on XX/XX/2014 and was paid in full. This account was never included in a bankruptcy. Furthermore I have asked XXXX to provide me with verifiable information of what the furnisher ( Synchrony Bank ) sent to them as evidence that the information is correct and a description of the investigation procedures used to verify my account. XXXX has not provided me with that information and all Synchrony bank provided me with is the attached letter which is vague and putting the onus on XXXX. As per Section 609, I am entitled to see the source of the information.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

Due to Covid -19 I asked my auto lender XXXX XXXX XXXX for a 2 month reprieve from monthly payments ( XXXX & XX/XX/2020 ) as I was just laid off. Payments were to begin XX/XX/2020. XXXX XXXX XXXX made the arrangements and stated to me that my account was on hold for the following 2 months. 

I recently had my credit pulled and noticed a late payment date of XX/XX/2020 for my XXXX XXXX XXXX loan. XXXX XXXX XXXX refuses to remove the incorrect late that they placed on all 3 of my credit bureau profiles.
Consumer complaint received 2020-05-14
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. (NH)

I contacted XXXX XXXX to get an extension on a due date of XX/XX/2019 and they assured me it would not go against my credit. It is showing as a late payment. XXXX refuses to fix it, and the report I filed with Experian did not show any updates once completed. The reports I filed with XXXX  and XXXX  have not been resolved or responded to after a considerable amount of time.
Consumer complaint received 2023-01-12
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: Experian Information Solutions Inc. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately form my report : 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 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
Consumer complaint received 2019-09-01
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: EQUIFAX, INC. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Consumer complaint received 2020-05-19
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: Lennar Financial Services, LLC (FL)

I received a letter from XXXX after disputing 2 inquires. XXXX stated I gave verbal authorization through a mortgage transaction which was false. So i contacted XXXX.about 2 inquires showed up on my credit report with out my authorization. XX/XX/XXXX and another XXXX. XXXX told me it was XXXX XXXX XXXX   and i should contact them. XXXX told me it was Eagle Home Mortgage. Eagle home mortgage told me it was XXXX XXXX XXXX. I contacted Lennar customer service as instructed. I was then told by customer service that they have no ideal what to do about it.
Consumer complaint received 2020-05-20
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2023-01-12
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately form my report : 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 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
Consumer complaint received 2020-12-21
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

As an addition to open case # XXXX, I, XXXX XXXX XXXX v Champion Mortgage Inc. 
This morning, XXXX, I opened my online checking account information with XXXX XXXX, to see if Champion Mortgage had posted my payment of {$140.00} made on XXXX, it still had not. I called Champion to see why they had not received my payment. They ( I talked to several customer service reps on as many calls ) told me payment was not made because there was a block from XXXX XXXX, preventing Champion from deducting payment from my checking account. I immediately called XXXX XXXX again, asking if there was a block anywhere on my account. They said there was no block, at all. Adding, if Champion re-submitted payment request there would be no problem. Needless to say, when I call Champion again, they claim after several attempts to get payment, they only get an error and no payment. My bank information has not changed and is the same as it has been for many years of paying Champion Mortgage by auto deduction. Please help straighten out this confusion. If left unresolved, Champion could call in the entire loan amount, risking my home ownership. 

PS On XXXX, I received another monthly statement confirming my payment was made on XXXX Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX land line
Consumer complaint received 2021-04-27
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: EQUIFAX, INC. (CA)

I have 7 accounts showing up on my credit report that do not belong to me I have been disputing these since XXXX of XXXX  I have just opened up an ftc regarding identity theft these accounts in no shape and form belong to me and the bureaus are clearly notdoing anything about it they are just reporting false information. I am getting tired of this!!! 

Account Name XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2020-05-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

My pay checks were being garnished in XXXX so I had to file a motion to do installment which was granted in XX/XX/XXXX my Installment is to pay {$150.00} a month until paid in full but credit acceptance is negatively reporting on my credit every month as missed payment as if the loan is still open when we went to court in XX/XX/XXXX. It was ordered by the court I pay $ XXXX monthly if not they would garnish my checks as of XX/XX/XXXX over a year ago and they are still reporting negative on my report. I went back to court and I was able to have the payments lowered to {$75.00}. Even after the judge ordered the garnishments to stop. Credit acceptance refused and still took money from my income ultimately they ended up having to pay me my money back. So Credit acceptance is not a good company they forced payments from me That I didnt have.
Consumer complaint received 2020-05-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TRUIST FINANCIAL CORPORATION (GA)

I was written a bogus check by a company named XXXX XXXX XXXX and XXXX XXXX, XXXX in the amount of {$4800.00} with the Suntrust Bank logo. My bank, XXXX XXXX  XXXX approved the check and then cleared the full balance the following day after I deposited it. Then the third day, my bank reversed the balance for insufficient funds. In the mean time, someone had deceived and scammed me into wiring someone {$1500.00} through XXXX and then had me purchase {$2700.00} in money orders through the united states post office. By the time I sent all the money I was instructed to send, the bank then takes part of the funds I had saved in my business account and it demanding that I pay the full balance of the {$4800.00} in which I still owe {$3300.00} of. I called Suntrust bank, and was helped by BB & T bank. I was told that Suntrust and BB & T bank are not merged into a new name XXXX XXXX. BB & T gave me a case number and when I called to follow up on my conversation, another rep told me that those case numbers are not valid and that she didn't know what number that was I was given. I was then told I needed to talk to my bank, XXXX  XXXX XXXX and that they were the ones who would have to get in touch with them about the check, not me. I called XXXX XXXX XXXX to tell them this, but nothing was done by either bank to assist me in any way.
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (TN)

On XX/XX/XXXX the IRS deposited {$1200.00} dollars in my PayPal account and PayPal told me it would be available in 3-5 business days but now its been 11 business days and still nothing, I'm not the only one there's are 10's-1000 's customers with the same problem all over the US that deal with PayPal cash card some been waiting since XX/XX/XXXX for PayPal to deposited our funds it really doesn't make sense to us where is our money and two i even went back in the IRS portal to make sure the information was correct ( routing numbers and account numbers ) and it was and paypal keep saying for me to get in touch with the IRS that its not they fault ... ..
Consumer complaint received 2020-11-24
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: RockLoans Holdings LLC (TN)

Im a victim of identity theft and have had a fraudulent personal loan that has been opened in my name with your company Rocketloans. I didnt consent, authorize, apply, nor request for this fraudulent personal loan to be opened in my name. The address, phone number, email, and information on file does not belong to me, and non of the information regarding these accounts where verified that they belong to me. Per the Fair Credit Reporting Act ( FCRA SECTION 603 ) if an account is reporting inaccurately or if a consumer is a victim of identity theft the account in question is to be removed/deleted off of a consumers credit file. I have sent you a debt validation letter, ftc identity theft report, and police report showing that these accounts are deemed as fraud. In spite of that XXXX has failed to provide me with a proper validation of the debt. You have been notified that your actions are detrimental to me and that your company has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Your bank knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at Rocketloans for intentional infliction of emotional distress and at the other diminishes of the quality of my life. This fraudulent account need to be removed out of my name, and off of my credit files immediately! Please take in consideration my concerns regarding this matter and I hope to hear from you in a timely manner.
Consumer complaint received 2022-07-11
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. (TX)

Hi I am submitting this XXXXXXXX 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 XXXXdays 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.