davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-01
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: AMERICAN EXPRESS COMPANY (CA)

American Express is refusing to accept the terms of my Debt Management Program through XXXX XXXX XXXX XXXX, a licensed Debt Management Services Provider and member of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was told by a customer care representative that American Express has their own hardship program called XXXX. I asked to be enrolled in the XXXX program but they are refusing to enroll me. American Express told me the terms of their program require me to be out of the program for at least one year before I can re-enroll. The terms they have set up do not allow for any recovery after a recessive business period, which is essential to business XXXX XXXX. The Federal Government ( Federal Reserve Bank ) does this when refrain from raising interest rates while waiting for the economy to return to a more robust strength. American Express is blocking my ability to achieve financial stability and credit worthiness due to their terms which amount to keeping me in a virtual debtors ' prison. This is illegal and unfair business practice. Full disclosure, I was enrolled in XXXX from XXXX XXXX to XXXX XXXX with The XXXX ( R ) due to a hardship in my business resulting from the terrible winter at the end of XXXX which wiped out all attendance at a major trade show I attend in XXXX thereby leaving me with all the costs of attending an out of state trade show, but none of the sales. I paid off The XXXX XXXX ( XXXX ) in XXXX XXXX and closed the account. This time it is for the XXXX ( XXXX ) XXXX XXXX, a different card but due to another terrible winter at the end of XXXX, abysmal trade show attendance and meager sales I am having trouble paying down my balance, this card allows for a revolving balance. I call American Express about every XXXX months to get my APR percentage rate reduced and now it is at 15.99 % which American Express has told me is the lowest rate that I can receive. If I were enrolled in the XXXX program the interest rate would be 9.99 %. To maintain fair business practices American Express has to accept the terms of my Debt Management Program through XXXX XXXX XXXX XXXX or enroll me into their XXXX program. I have inquired multiple times if American Express favors a Debt Management Program and to please give me the details. I was told that because American Express has its own hardship program it does not accept any outside Debt Management Programs. All of my phone calls to American Express have been recorded by American Express and they can confirm all that I have written here from those calls as well as the frequency of my calls to them. My current monthly payment is unsustainable at the amount and interest rate and it is putting my ability to maintain a healthy business at risk. This is why I have reached out for help during this stressful time. I now need American Express to extend a hand to my business, where all of the goods have been handmade in downtown XXXX XXXX since XXXX, so we can survive this slump and go on to prosper, all of us.
Consumer complaint received 2022-09-13
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. (NC)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-09-12
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 3. Unverified Inquiry XXXX XXXX Date of inquiry : XX/XX/2021 As A Consumer By Law This Inquiry Must Be Removed Immediately. 4. Unverified Inquiry XXXX  XXXX XXXX Date of inquiry : XX/XX/2021 As A Consumer By Law This Inquiry Must Be Removed Immediately. 5. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 6. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Please remove it from my credit report. 8. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 10. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2022-09-13
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. (NC)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-13
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. (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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-10-24
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. (GA)

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 more then 48 times nonstop this is exhausting 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 and XXXX and hope 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 one negative credit items outstanding debt now that is not mines. 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 negative account 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 homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2015-03-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Revenue Recovery Corporation (NJ)

a check was mailed out on XX/XX/2015 with my online bill pay with my bank and they held it and only cashed it on XX/XX/2015 and still say I did n't pay even after I provided a copy of the canceled check and told XXXX on XX/XX/2015 that it was unpaid which is 13 days after they had the money in their bank
Consumer complaint received 2015-05-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Receivables Management Partners, LLC (OH)

This debt collection agency never notified me of the negative information that they reported. I contacted them via phone regarding the best and they refused to have it removed being that I was never notified of any negative information that they reported.. This Debt was paid on XXXX/XXXX/2015, Experience XXXX claim they investigated and as of XXXX/XXXX/2015 the debt was still unpaid which is totally inaccurate. I paid this debt with a Mastercard and there is no way that this should still be reported as unpaid. The agency continues to report inaccurate negative information.
Consumer complaint received 2022-10-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Financial  Corporation (WI)

{$1100.00} opened XX/XX/2015 I am requesting an investigation of the following data that appears on my credit report. Specifically, Im disputing the records that your company is sending to the credit reporting agencies. 

When I disputed this record with the credit bureaus, they stated the information was verified. However, because credit recording agencies often use software that doesnt provide complete investigations, I am disputing the information directly with you. This is my right under section 623 of the Fair Credit Reporting Act ( FCRA ). 

If you can not perform this type of investigation or locate all of the records to investigate this dispute, please update the credit bureaus to remove the information. 

Im also asking that you send your method of investigation, along with all records, as well as documentation that proves the account belongs to me. Then I may conduct my own investigation.
Consumer complaint received 2015-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I did contact both credit collection agency listed on my credit report to dispute the XXXX collections on my credit report that do not belong to me or to anyone I know. 

The person 's name given to me by XXXX XXXX XXXX was a XXXX XXXX. I do not know this person and I believe this is a mistake or fraud on my credit report.
Consumer complaint received 2022-08-16
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)

Upon reviewing my reports, incorrect information are being reported in my personal credit file. The XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. 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 and XXXX and hope 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 one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis 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 negative account 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 homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (OH)

I have two private student loans that have been settled in full with Navient who continue to inaccurately report their balance and status. I had two Navient private loans go to one of their own collection agencies, XXXX XXXX XXXX. I settled this debt in full for both accounts. Navient still reports one account as open, both as still having a balance, and also have reported new late payments after the account was already settled in full. 

Both accounts were settled on XX/XX/2022. 

Both accounts settled in full with lender/collection agency letter verifying accounts settled in full.
Consumer complaint received 2017-03-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

BETWEEN THE DATES OF XX/XX/2017 AND XX/XX/2017 TRANSUNION HAD A GLITCH IN THEIR SYSTEM THAT VIOLATED THE RIGHTS OF THEIR CONSUMERS UNDER SECTION 6.11. AS A RESULT, I HAVE BEEN GRAVELY AFFECTED. XXXX COLLECTION ACCOUNT AND XXXX INQUIRIES WAS DELETED THEN ADDED BACK ONTO MY CREDIT REPORT. TRANSUNION HAD FIVE DAYS TO NOTIFY ME ABOUT THIS REINSERTION. NO NOTICE WAS EVER GIVEN WHICH IS A VIOLATION AND I AM REQUESTING THAT THE COLLECTION ACCOUNT AND ALL INQUIRIES LISTED BELOW BE REMOVED. 
COLLECTIONS : 1. XXXX INQUIRIES : 1 ) XXXX XXXX 2 ) XXXX 3 ) XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX
Consumer complaint received 2022-09-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Credit Karma (GA)

This is a complaint about Credit Karma, which provides banks and credit card companies with referrals to solicit business from consumers. In the interest of refinancing my home with a company advertised in my Credit Karma account ( New American Funding ), I made a refinance application with XXXX XXXX XXXX, after shopping with a few other banks. I decided on XXXX because they promised to close my loan in 3-4 weeks. And after three months XXXX decided to terminate my loan. In short, this was done because XXXX did not want to honor my rate lock, which was made exactly two days before the Fed made their initial rate increase this summer. XXXX stalled, redundantly asked for documents, and attempted to change the terms of the loan, adding around {$7000.00} in additional closing costs at the eleventh hour. They also refused to honor the locked rate of 5.1 %. XXXX was dishonest, unethical, and in my opinion, operated illegally in their dealings with me. I have already filed a complaint about XXXX with CFPB. However, this complaint is directed at Credit Karma, for exposing me, their customer, to XXXX.
Consumer complaint received 2022-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AK)

In XXXX, 2022, we submitted a request to cancel our PMI insurance as we believed that our home value had increased enough to cancel this. We paid the fee for the appraisal through our lender PHH mortgage and they were supposed to submit the request to an appraiser. After two months, we still had not heard back and contacted PHH again. They assured us they were working on finding the appraiser. Our appraisal was completed and submitted to them on XX/XX/2022. On XX/XX/2022 we submitted a request to see the appraisal. We were told they would respond to our request in ten business days. We did not hear back. We contacted PHH again on XX/XX/2022 and spoke with an escalation manager who told us we would hear back within three business days. Again we did not hear back from them. On XX/XX/2022 we called PHH again asking for a resolution and a copy of the appraisal. We were told that they could not provide either of those at this time, and the PMI department was unreachable. We were also told that the PMI department could decide that our appraisal had expired at any time starting the process over. This has been going on for almost six months with no resolution and we continue to pay PMI and have not seen a copy of the appraisal. We have contacted PHH many times, and can not get this resolved.
Consumer complaint received 2022-09-13
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)

XXXX XXXX XXXX XXXX XXXX Amount : {$320.00} Action taken : Dispute filed, no action of verifying or contacting Needed proof of Debt and that it belongs to me, was not provided proof XXXX XXXX XXXX Amount : {$510.00} Action taken : Dispute filed, no action of verifying or contacting Needed proof of Debt and that it belongs to me, was not provided proof XXXX XXXX XXXX XXXX Amount : {$0.00} Action taken : Dispute filed, no action of verifying or contacting Needed proof of Debt and that it belongs to me, was not provided proof XXXX XXXX XXXX Amount : {$18000.00} Action taken : Dispute filed, no action of verifying or contacting Needed proof of Debt and that it belongs to me, was not provided proof
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}