davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
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: OneMain Finance Corporation (FL)

I have been receiving unsolicited, and harrassing phone calls from this company stating that I owe a loan for a person whose name is not mine. They read me my address, phone number, and a FAKE employer threatening to sue me. 

Well, I went to the XXXX XXXX clerk of courts, and there is no such lawsuit that has been filed. They assisted me with finding out this companies name, and address. I mailed a letter asking them to remove this fraud inquiry from my credit, and stop contacting me. 

They are refusing, and I just called XXXX, and they said that I dont have an account with them. This is fraud, harassment, and intimidation to pay something I dont owe The only reason that they cant commit fraud with the other credit companies is because, Ive locked my Credit profile with those places..
Consumer complaint received 2023-08-14
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-14
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. (FL)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.
Consumer complaint received 2023-08-14
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. (WI)

On XX/XX/2023, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. Per section 611 ( a ) of the FCRA, CRA 's are supposed to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. Since then, the only response received was to question my identity. To date, no one has updated my account to reflect the changes and ensure that the reporting is 100 % accurate. The following account is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ). I demand that the payment history on this account be updated as XXXX. XXXX Account Number : XXXX is inaccurately reporting an alleged late payment history and has not provided a copy of my entire payment history as requested. This error has damaged my credit score and my rights as a consumer have been violated. A copy of my photo ID and address verification was included with each mailing so there is no reason my request should have been ignored. This needs to be resolved. According to XXXX U.S. Code 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NY)

I submitted a dispute to Apple Card in 2023 regarding a merchant called XXXX, which merchant pretends to be a U.S. merchant and sell US products, but without informing you they send these unapproved canine toothpastes and toothbrushes from XXXX. They lure you with one price saying that the product is XXXX, then they charge a different price to your cart and the receipt comes on the new price. I was extremely alarmed when I saw the product was coming from XXXX, and I contacted the merchant to cancel. The merchant ignored my request and send me the product despite request for cancellation. I contacted the merchant multiple times and never heard back, asking about the scammer claims and the like. I opened dispute with Apple, which went nowhere, I kept reopening, asking to talk to someone in dispute, calling them and I never heard back from anyone.

I submitted them multiple screenshots of people stating the company was a scammer business, comments of people that their dogs got hurt with the products, I submitted emails to Apple multiple times with that information, and even copied Apple on emails trying to get a response from the merchant.

They never read what I submitted or got back to me. The merchant wrote them a few lines saying they replied to me, what is a lie, didnt provide any evidence, and Apple keeps ruling on their favor.

I want the charge to be reversed in my favor asap, the merchant to be investigated, and Apple to be fined for the total mishandling of this situation, including never replying to me, never contacting me back, never having a dispute manager call me back despite numerous requests.

Apple Card should be ashamed of its services. Supporting a business that hurts dogs with their scammer products?
Consumer complaint received 2023-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I have called this bank NUMEROUS times to try and resolve my issue of the bank REISSUING cashiers check number XXXX dated XX/XX/2022 in the amount of XXXX This check was damaged, never cashed and needs to be reissued. I do not know what their problem is. 
I have called SOOOOO many times, and no one has reissued this check. I understand it must be payable to XXXX XXXX, Please reissue this check for escrow refund. Home has been sold and loan paid for long ago.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: REGIONS FINANCIAL CORPORATION (KY)

Out XXXX son received a card in the mail from XXXX -- He did not request it. 
When he called to cancel it -- They kept asking personal questions and stated that if he canceled it -- he would lose the {$72.00} he supposedly had on the account. 
He never requested the card nor asked for it to be activated.
Consumer complaint received 2023-08-14
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)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my XXXX XXXX. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-05-03
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-03
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. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXXXXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-05-03
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account XXXX, XXXXXXXX XXXX account XXXX, TXXXX account number : XXXX, XXXX & XXXX XXXX account number : XXXX, XXXX XXXX  account number : XXXX, XXXX XXXX XXXX account number : XXXX, XXXX XXXX account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX try to report my account that over 7 years on my credit report. 
Its supposed to fall off my credit in XXXX but its still there.
Consumer complaint received 2023-05-03
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. (NE)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

My name is 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 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 accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$17000.00}
Consumer complaint received 2023-05-03
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. (AR)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts 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 account below : XXXX XXXX XXXX Balance Owed : {$810.00} ; XXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX XXXX Owed : {$320.00} ; XXXX XXXX XXXX Balance Owed : {$3100.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00}.
Consumer complaint received 2024-10-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Onity Group Inc. (IA)

I have been actively seeking a workout option with PHH mortgage service, name is pending a change to Onity mortgage.

During customer service calls with agents and follow up calls, at no time when they ask if i can make payments are they reading the script : this is an attempt to collect a debt... I worked in this industry with the last 10 years at XXXX XXXX XXXX mortgage and this disclosure is required to be read by agents attempting to collect payments and or debt ; Additionally, I believe their decision/underwriting process may be in violation of CFPB guidelines ; I've been advised they believe 30 days is acceptable for making decisions for hardship XXXX applications and not providing proper information about unemployment and or forbearance plans to customers ; It seems to me, there is a lack of training and qualified individuals to take phone calls with this company. 

Ive also not been advised properly about the status of credit reporting, late charges or protections from foreclosure proceedings while the company takes its time to review my application for assistance at any time during the past year during hardship or pending workout decision phone calls nor via mail in writing or email. 

Sincerely XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am reaching out to dispute the inaccurate verification of an account on my credit report. The attached letters clearly show that the information being reported is incorrect. However, your agency continues to verify the inaccurate information as accurate without making the necessary corrections. 

This failure to address the inaccuracies is a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i, which mandates proper investigation and correction of disputed information.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-03
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. (GA)

This is my Follow-up 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 accounts 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 : US DEPT OF ED/XXXX XXXXXXXX .... Balance : {$92000.00} US DEPT OF EDXXXX XXXX .... Balance : {$82000.00} XXXX XXXX XXXX ... . Balance : {$1200.00}
Consumer complaint received 2023-05-03
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. (GA)

This is my Follow-up 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 accounts 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 : US DEPT OF ED/XXXX  XXXX .... Balance : {$92000.00} US DEPT OF EDXXXX XXXX .... Balance : {$82000.00} XXXX XXXX XXXX ... . Balance : {$1200.00}
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (PA)

Jefferson Capital Systems Have fraudulently reported to my credit report. I was alerted by my credit repair agency and I have filed a complaint I am prepared to file a police report. I am In the process of building my credit and while doing so Jefferson Capital Systems is now reporting fraudulent charges. I have never heard of Jefferson Capital Systems or have I ever signed a contract or made any transactions in any form with Jefferson Capital Systems
Consumer complaint received 2020-06-18
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. (MS)

I have been receiving letters in the mail for a while now about me owing child support  Xmoney. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does belong to me. I  strongly believe my identity hasbeen sttolen. Please remove these items from my report. XXXX {$0.00} XXXX  XXXX {$0.00}
Consumer complaint received 2023-05-03
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: JPMORGAN CHASE & CO. (TX)

You are in Direct Violation of The Fair Credit Reporting Act [ Account Name & Number # }, has violated several of my rights. 

15 U.S.C1681 section 602 A. Clearly states that 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 instuctions 15 U.S.C. 1666B ; A creditor may not treat a payment on a credit card account under a open- end consumer credit plan as late for any purpose. 

Remove these late payments and update all theses accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting Act }