davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
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. (TX)

XXXX XXXX XXXX XXXX PARTY COMPANY IS REPORTING INFORMATION OF A XXXX XXXX XXXX  TO ALL 3 CREDIT BUREAUS OF MY CREDIT FILE. THIS INFROMATION WAS NEVER REPORTED BY THE FEDERAL BANKRUPTCY COURTS. XXXX REPORTED THIS ON MY CREDIT FILE AND WAS NEVER A PARTY TO MY XXXX XXXX BANKRUPTCY REFERENCE FILE # XXXX. 

A FORM 609 WAS SENT TO XXXX UNDER THE FCRA GUIDELINES REQUESTING THE REMOVAL OF THIS INFORMATION FOR : XXXX XXXX XXXX / DATE OF BIRTH : XXXX SS # XXXX / TEXAS XXXX XXXX DATE OF DISMISSED WAS XXXX / BANKRUPTCY FILE # XXXX XXXX HAS CONTINUED TO IGNORE MY REQUEST OR RESPOND TO MY REQUEST TO REMOVE THIS ITEM FROM MY CREDIT FILES ON XXXX EQUIFAX/ XXXX. 

THE TEXAS XXXX XXXX HAS FURNISHED EVIDENCE THAT THEY NEVER SUBMITTED DOCUMENTATION TO THE 3 MAJOR CREDIT BUREAUS XXXX EQUIFAX/ XXXX AND THAT I WOULD NEED TO TAKE THIS MATTER UP WITH XXXX. 

XXXX REPORTED THIS ERONEUS INFORMATION TO THE 3 MAJOR CREDIT BUREAUS WITHOUT THE RECOMMENDATION BY THE TEXAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRUSTEE.
Consumer complaint received 2022-08-10
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: Resurgent Capital Services L.P. (GA)

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 87complained times. The problem has not been resolved. my XXXX has me at a credit score over 719 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my XXXXo 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 120 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX 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.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me 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 120 days 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 87 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. nobody helping me and I don't wan na live no more i cant get aproved for anything which is casing me even more XXXX
Consumer complaint received 2022-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MO)

This started back on XX/XX/XXXX, FTC file number XXXX was filed for someone buying XXXX XXXX XXXX merchandise in the amount of {$810.00} two different times, I called XXXX XXXX XXXX at XXXX XXXX on XX/XX/XXXX spoke to XXXX there was nothing in system with my name on it at all, she transferred me to XXXX General customer Mgr who also looked into this and could not find anything relating to me even from the Debt dept. XXXX XXXX XXXX  fraud number called was XXXX XXXX XXXX ) XXXX. The address that showed up on credit report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX, never been to this state at all!!! 
The agency who was holding the debt was called XXXX XXXX at ( XXXX ) XXXX spoke to XXXX he said it was a Non Existing Account. It was taken off both XXXX & XXXX accounts immediately and I was told that this would happen to all 3 reporting credit agencies so I would not have to call each and everyone of them. XXXX wanted my cc number on page to help me like {$40.00} for something I never needed so I canceled it Now on XX/XX/XXXX suddenly ENHANCED RECOVERY CO L put this debit on my credit report as past due since XX/XX/XXXX. This is not my Debit nor my Charges in Fact I want video and I want signature proof of Purchase I also want stores and address. AGAIN all others removed this fake debit from reporting instantly way back we it first happened all my credit score is XXXX XXXX is always reporting it at least XXXX pts lower how is that even legal XXXX my on my home loan, car loan and now bank loan with the interest rates!!!! Another outdated broken American system
Consumer complaint received 2022-08-09
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 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. 


TransUnion Name : XXXX, XXXX, XXXX, XXXXXXXX XXXX Employer : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX Collections : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX  XXXX DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-09
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CNG HOLDINGS INC (OR)

I purchased time share points in XXXX and sign a mortgage for about {$45000.00} from. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX NOTE : this gave me XXXX points to use for stays at their locations. It did NOT give any ownership of real property only the USE OF. The use of was based on availability. 

REPEAT : NO OWNERSHIP 0F REAL PROPERTY just use of if available. 

I was unable to pay the " MORTGAGE '' beginning on I XX/XX/XXXX. 

I notified XXXX XXXX XXXX was unable to pay and would make any future payments and requested release from my Mortgage and any other fees. 
I had limited word from them two collection notices from them which where withdraw. 
The last contact with by phone was XXXX XX/XX/XXXX and was told it was in work and I would receive an email when the debt was forgiven. 
I am tired of waiting.
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MA)

American Express began offering 3 % Cashback on their XXXX XXXX XXXX card this month, and of course it wouldn't be Amex without issues and gimmicks. My first purchase at XXXX  already hasn't been properly credited and all I get is excuses from their chat support
Consumer complaint received 2022-08-09
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. (FL)

XXXX XXXX XXXX XXXX Amount : {$500.00} DateXXXX, XXXX XXXX XXXX  Amount : {$350.00} XXXX n accordance with the Fair Credit Reporting act XXXX Account # XXXX And 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 2024-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

I've filed several disputes and currently XXXX XXXX XXXX have taken the case to resolve illegal loans. My student loan is already forgiven under the XXXX program and already met the 10 year requirement. The company has mismanaged these loans intentionally. They have sent payments to other loan holders, repeatedly lied, lost all my documents including my original documents, hung up Everytime I called, discriminated against me, and told me off in a email when I asked for this to be fixed. Since I have XXXX XXXX XXXX dealing with it they fixed a few of the issues but have just stonewalled me and the thousands other people in limbo in the XXXX in XXXX  The XXXX office have been able to get more documents that has exposed that there has been fraud of federal loans and working on fixing this. 

I'm filing another complaint because instead of finalizing the forgiveness that should have been done under myfedloan and MOLEHA they instead added XXXX loans to my credit report. XXXX loans!! So instead of claiming I owe XXXX they claim I owe XXXX when that is wildly off. I've called a bunch of times and just get hanged up on after waiting hours. 

What I would like is for the credit agencies to remove both illegal loans. I want the XXXX paperwork to be processed which it's clear they are intentionally violating federal law and engaging in fraud. If this isn't fixed I think MOLEHA should be fined billions of dollars and all staffers should be under criminal investigation by the federal government.
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed my Edd claim back in XXXX and around XXXX they sent me documents stating that I had to prove my identity before I could get paid so it took a while for them to confirm my identity they just confirmed my identity XXXX and I started getting paid for my claim from XXXX but I noticed I was missing slot of payments found out Bank of America issued a card and payments back in XXXX that I never received I dnt know were the card was sent but I was in the process of confirming my identity so shouldnt have no card been issued but now they dnt want to refund me because of time but when your in the process of identifying you cant get no information on the account so there is no way for me to know this so that I could report it I just got identified thats why Im just now reporting it they keep denying my claim like every 3 days I have turned in like 10 reconsiderations.
Consumer complaint received 2022-08-10
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. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 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. 


XXXX EMPLOYER : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Experian Collections : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EMPLOYER : XXXX XXXX  XXXX XXXX Collections : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYER : XXXXXXXX XXXX XXXX
Consumer complaint received 2022-08-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: DISCOVER BANK (FL)

I have a mortgage with Discover Home Loans. I was approved for Homeowners assistance fund Haf for past due mortgage payments plus 18 this of future payments. Also was approved for my electric past due plus 18 mths my Electric company is XXXX XXXX XXXX, XXXX. I have XXXX for my cable. Haf gave the contract to XXXX XXXX to disperse the funds and They are not doing so.
Consumer complaint received 2022-08-10
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. (NV)

It appears that my credit file has been endangered. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$1400.00} ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each itemis 100 % true, accurate, correct, complete & VERIFIABLE ). If credit Bureaus do not provide any records & claim these items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-08-10
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. (NV)

It appears that my credit file has been endangered. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$1400.00} ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each itemis 100 % true, accurate, correct, complete & VERIFIABLE ). If credit Bureaus do not provide any records & claim these items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (WA)

I have never been late with a single mortgage payment. 
I made my XXXX XXXX  monthly mortgage payment on XX/XX/2022. 
On XX/XX/2022 my mortgage loan balance became {$71.00}, XXXX. 
On XX/XX/2022 I contacted the Bank via chat to advise that I made a payment of {$1000.00} which should be applied to additional principal. The Bank employee responded that the request has been submitted. All screenshot of my conversations with the Bank are saved onsite. 
On XX/XX/2022 I contacted the Bank again to advise that I made one more payment of {$1000.00} which the bank was scheduled to receive on XX/XX/XXXX and asked to apply it to additional principal too. All screenshots are onsite. 
With these two additional principal payments I expected my mortgage loan balance to go down to {$69.00}, XXXX. 
On XX/XX/2022 both payments of {$1000.00} each were posted in my account as unapplied credit by the Bank. I contacted the Bank again via chat to remind to apply both payments to additional principal. The bank employee said that the request has been made. 
On XX/XX/2022 my account showed that the Bank applied the funds received on XX/XX/2022 to XXXX XXXX monthly mortgage payment instead of additional principal. As the result of such manipulation by the Bank, my loan balance increased to {$70000.00} instead of dropping to {$69000.00}. 
The Bank keeps doing it month after month, and every month we have to go through a reapplication of funds process which delays the application of additional principal.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I had a credit card with USAA ( XXXX # XXXX ) and during Covid I was not able to make payment. The account was then charged off and then send to collection. I made a settlement with collection and paid it off almost 6 months ago. For some reason, the account has never been updated. 
More I never gave my written authorization to USAA to report this account on my credit report. However, the account has been reported which is a violation of my right. In accordance with the Fair Credit Report Act XXXX  Account # XXXX Has violated my right. 15 U.S.C 1681 section 602 A. which states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states A consumer reporting agency can not furnish an account without my writing instruction.

I want this account information to be removed from my credit report.
Consumer complaint received 2022-08-10
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 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. 


TransUnion Name : XXXX, XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXXXXXX 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 Inquiry : XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX Collecons : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Addresses XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Collecons : XXXX XXXX JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX