davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-11
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. (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 XXXX  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 2023-12-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (TX)

I filed a fraud claim XX/XX/XXXX for almost XXXX dollars, my mobile app account on Navy Federal got hacked into from an unknown device in XXXX Georgia. I live in XXXX XXXX Texas, and have never been to XXXX and have no connections to XXXX, Georgia or XXXX device that was logged in onto my account. whoever was logged into my account in XXXX, Georgia was filing false disputes on my behalf, giving me provisional credit on my account from then somebody added a member to member transfer under my name to a name of XXXX XXXX. I have no connection to XXXX, XXXX, nor know who this is, I did not approve of these funds to be sent to her and have did everything in my power to prove to the bank as well as they know that someone was logged into my account from XXXX Georgia while this information was getting leaked. now the bank is overdrafted my account with the funds that have been sent to that unknown person I was scammed out my account my account was compromised and I made plenty of calls that day to fix the issue and they failed to do so now they are saying that I owe this money when I had nothing to do with these funds getting disputed or sent out to whoever this person was, they had me submit an appeal. as well as my account was compromised to where that person took out a loan into my name. I had that canceled right away but Im still worried about the funds that are overdrafted my account from whoever this person was.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I never did ask for anything related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Someone misused my info and XXXX credit bureaus know better than sharing my information with anyone! 

Another, I don't know where the heck amount of {$37000.00} is from. I dont owe this amount at all! XXXX XXXX XXXX has misused my credit record without mynpermission. XXXX it is same thing with XXXX that keeps ruining my credit record. It is full of XXXX. 

Another, why wouls XXXX XXXX used my credit report?! I did not ask for anything from this company or on something! 

Another, XXXX XXXX  is correct. I did hope to trade in their truck from XXXX XXXX XXXX truck. 

Another, XXXX  is corrected. I did want a travel trailer. Denied for no reasons! Again, XXXX credit bureaus have NOT USED MY APT OR ULTITIES INFORMATION TO CHANGE MY CREDIT RECORD. THEY ARE BAD AND EVIL BUREAUS AND WE SHLD SHUT DOWN THEIR BUREAUS. 

I have not applied for anything from XXXX XXXX XXXX! I dont have the XXXX debt of {$38000.00}. 

XXXX credit bureaus also did not know my student loan was partly waived. Then the debt of student loan is incorrect!
Consumer complaint received 2019-05-20
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. (OH)

XXXXXXXXXX/XX/XXXXXXXXXXXXXXXXXXXXXXXX,OhioXXXX[XXXXXXXX,XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX,mdXXXXXXXX:Disputingerror[s]oncreditreportDearXXXXXXXXXXXXIamwritingtorequestacorrectionofthefollowinginformationthatappearsonmy[XXXX,Experian,XXXX]consumerreport:Dispute1[Theseareexamples.Picktheonesthatapplytoyourcreditreport.]AccountNumberorotherinformationtoidentifyaccount:[XXXXXXXXXXXX,reportedbalance{$1100.00}]Datesassociatedwithitembeingdisputed:[XXXXXXXX(3years,9months]Explanationofitembeingdisputed:[Insertadetailedexplanationofwhytheinformationisinaccurate.Chooseoneofthechoicesbelowifitfits,oraddyourowndescription.]ThereportshowsIcurrentlyowemoneytoyourcompanythatisnotaccurate.IstopedstopedusingXXXXinXX/XX/XXXXasIdidn'thaveanycontractatatime,asIalsowastravellingtravellingXXXXtostaywithmyforawhileIstayedtherefor3yearsbeforeIreturnedbackinthestates.

Thankyouforyourassistance.

Sincerely,XXXXXXXX
Consumer complaint received 2022-08-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (GA)

When covid first started I did a forbearance due to being out of work due to school and daycare closures. After my forbearance ended, I was told by a freedom rep that there where covid programs available that would assist me in getting back on track. I submitted all my information so I could be considered for one of the programs. The first program was a partial claim, but it didn't lower the payment to one that I could afford. I was told that in order to be considered for the covid modification I had to decline the partial claim. Which is what I did. I was informed that I was approved for the modification, and I accepted due to the payment being what I could afford. I continue to call because after informing Freedom I accepted I still had not received my documents that needed to be notarized. I was instructed by a Freedom representative when my first payment would be do and in good faith, I made three payments of the sixth within the agreement. I continued to call and stay in contact with freedom letting them know I still hadn't received my paperwork. I was told it would be emailed only to later find out that paperwork could not be sent through email. After my continued efforts of calling trying to get this paperwork, I was told that it had been to long and they would have to go and work the numbers again. They came back with a payment maybe {$20.00} dollars cheaper than my original payment. I informed the rep that I was unable to make that payment and I would do the full borrowers application. I sent all paperwork requested multiple times. I received letters in the mail stated I was not complying which was NOT true. I would call in and speak with reps stating they clearly see the documents being received via email. Now I'm here receiving foreclosure notices and sales dates to my surprise because I have been in the modification process and keeping in contact on a weekly basis being told they are working on my modification. I have spoken to several reps and supervisors in the escalations department. Freedom mortgage has shown itself to be a crooked company out to get over on its customers. Trying to come back from covid has been hard on everyone and this company has made it worse. Withhold paperwork from a single mother just trying to provide for her family, you should be ashamed of yourself.
Consumer complaint received 2022-08-11
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. (GA)

Confirmation # XXXX - I do not owe this account. This issue was resolved with the original creditor " XXXX '' who now has merged with XXXX  of which I have since obtained an account with not issue. 
This debt appears on my credit report with a different debt collector, and it should not be, I have disputed this debt I do not owe, and every time a new debt collector gets my information it is allowed to report it on my credit report and the dates are incorrect, they keep making the dates current regarding the alleged balance. This should not be allowed to be reported on my credit report because I do not owe. 

Confirmation # XXXX I applied for financial assistance with the original creditor regarding both of these debts and they have been written off with the original creditor. I do not owe these accounts, and these should not be on my credit report. In addition to the reporting the dates are in accurate. In correct information regarding the reporting of this alleged debt is incorrect and needs to be removed
Consumer complaint received 2022-08-11
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: 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 XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-08-11
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. (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 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 XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-08-11
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. (MD)

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 2022-08-11
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: 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 719tXXXX 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 2022-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-11
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. (AL)

On my credit report in XXXX the company began reporting my account as delinquent and placed it in collections/ charge off. In XXXX after consistently reporting my account as a charge off collection, they began reporting the account as open and late XXXX days. Since XXXX they have been reporting it monthly as a XXXX  days late which continues to hurt the chances of my score rising and has had a greater impact on my score verses when they were reporting the collection/charge off. I have not consented to any payments or provided any payments since XXXX and have had no contact with them or any representatives of theirs. Nonetheless they have began reporting as if I became delinquent at a later date, which has not only significantly impacted my score monthly but has also lead to the statue of limitations to be extended by XXXX years. This account was suppose to be deleted in XXXX and is now scheduled for deflection in XXXX. Thats almost XXXX years past the start of the loan and the last actual payment made towards the loan. I have disputed but continue to be denied although I have prof of the account showing collections and chafed off during the years XXXX, & XXXX.
Consumer complaint received 2022-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (SC)

XXXX XXXX XXXX Name : Truist Financial Corp Routing Number : XXXX Account/Product Type : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC Country : United States Email Address : Phone Number : XXXX Maintenance charges of {$300.00} per year were added to my checking account after BBT//SunTrust merger transition dated XXXX after claiming no change in fees. These {$300.00} of charges were made without my authorization. Truist bank also reactivated a closed account with a XXXX balance from 8 years prior ( XXXX ) and sent me collection notice for {$59.00} including a {$30.00} fee.
Consumer complaint received 2022-08-11
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. (NY)

Date XX/XX/2022 EQUIFAX has committed Fraud Pursuant 15 USC 1681B, I never gave Equifax permissible purpose or any written letters or instructions to report any information on my Consumer Report..
Consumer complaint received 2022-08-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: KP ASSET CONSULTING LLC (OK)

This company is alleging I have a debt owed to a company called XXXX XXXX ( XXXX ) with account # XXXX. I have signed into this website and see not account on record. Additionally, there is no information reported on my credit reports regarding this account. They are trying to get me to pay {$710.00} for an account I am unaware of. They have called my wife, my mother, my cousins and God knows who else trying to get in contact with me even though I have already spoke with them. I am not going to pay a default debt just because they make repeated calls to my family and threaten legal action against me. If their is a true debt owed they need to follow the legal process in the state of Oklahoma.