davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-01
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)

Equifax XXXX XXXX  Refused to validate this account there for remove it at once They stated I file a fraud report with the police that would be fraud on my part SO I will not. In there documents sent to me is a summery of a bill no signature no contract because they do not have one
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I had a student loan and began XXXX XXXX for HVAC to begin a career in XXXX. We were expecting a child. My Girlfriend XXXX XXXX XXXX XXXX XXXX XXXX. I had to adapt to provide and care for My Daughter. That was the reason for that time frame of neglect. They took My Federal Taxes to pay this. Several years of this and its paid. XXXX I had received most of my Fed Taxes. XXXX All of My Fed Taxes. Now that 12 years later, I've worked hard to rebuild a life, these marks effect me and my family growth. 
over the years I have attempted to resolve this with them on the phone and disputes. I get a run around. I have 1 student loan and they made 4 damaging marks from it. all bearing same account number. I have to mention that I feel attacked by them from this. For years I paid thousands and thousands from my federal taxes and they still show up I owe? docent seem right. People in these situations are down. They know that. But, I never gave permission/agreed to open one or multiple improper accounts bearing my name and info. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C.1681 section 602a states I have rights to privacy.

15 U.S.C. 1681section 604 : it also states a consumer reporting agency can not furnish a account without my written instructions. 


( the account # s were from my report printed out and showed the XX at end. provided by XXXX. ) Account name U S DEPT OF EDXXXX Account number XXXX Balance {$8600.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX
Consumer complaint received 2022-09-01
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. (MD)

My name is XXXX 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 2022-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (NJ)

Over {$200.00} was taken from bank account to pay my monthly payment which I have provided proof of payment to all three credit reporting agencys an the reporting agency Barclay. I have been communicating since XX/XX/2022 two conversations with the President of Barclays. I sent multiple emails to every tear of the company. During Covid I got a deferral I did what I was told made my payments. On a recorded line they said my payment was accounted for someone had to back log an manually account my payment since the system processed the other payment in the next billing cycle therefore it was not applied an the system counted it as missed when it was payed within the 30 day bill cycle! This action has caused harm to my credit therefore Im unable to apply for loans / financing for my businesses.
Consumer complaint received 2022-09-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PulteGroup, Inc. (GA)

Im working with Pulte Mortgage to secure a loan and my initial cash to close which I received on the XX/XX/2022 was {$19000.00} and mortgage payment is {$3300.00}. I started working with XXXX XXXX XXXX XXXX ( XXXX ) and I received a loan estimate from them on XX/XX/2022 with a cash to close of {$17000.00} and total monthly payment of {$3100.00}. 

I shared the loan estimate I got from XXXX with Pulte and they got back to me on XX/XX/2022 with an offer of an additional {$10000.00} in seller credit ( they offered {$7500.00} initially ) making a total of {$17000.00} in seller credit. This brought my cash to close to about {$12000.00}. 

I informed XXXX of this and decided to move forward with Pulte. On XX/XX/2022 they reached out to me saying they made a mistake and they meant to give {$2500.00} in additional credit making a total of {$10000.00} in credit. They waited for about 2 weeks to inform me of this and I cant even go with XXXX as it is too close to my closing date which is XX/XX/2022. I reached out to them and they eventually offered $ XXXX in credit making total of $ XXXX instead of {$17000.00} that was promised. 

I made other plans when the $ XXXX was promised to me and now Im supposed to cough out {$5500.00} less than 2 weeks from closing. They sent me the loan estimate detailing this on XX/XX/2022 with a closing cost of {$16000.00} after adjusting for my home insurance amount and other costs. 

I feel cheated and dont know if this is even legal. Am I supposed to take the fall for the mistake the lender made? Like is this even legal?
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LendingUSA (SC)

This a fraudulent account that was opened in my name using my information. This account appears to have been opened in XXXX of 2022. I have contacted this company and informed them of this matter on XX/XX/2022. The total amount of this loan is {$5200.00} and it was fradulently obtained. Please remove this fraudulent account from my credit report.
Consumer complaint received 2022-09-02
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: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Virginia XXXX XX/XX/XXXX XXXX Equifax, XXXX and XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XX/XX/XXXX Equifax Mortgage XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Virginia XXXX
Consumer complaint received 2022-09-02
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. (PA)

Hello I went to a few car dealerships this past year and there were multiple times I did not even give them permission to run my credit yet and I came out of there with like 20 hard inquiries, multiple different times, which is not allowed. In addition to this, some of these dealerships seem to still have my information or something because random new hard inquiries will pop up on my report when I am not applying. I need these unauthorized hard inquiries removed immediately as per the Fair Credit Reporting Act.
Consumer complaint received 2022-09-01
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. (NC)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX To whom it may concern Delete this account because : 1. It was illegally re-aged. On my XX/XX/XXXX report it shows XX/XX/XXXX, and on my XX/XX/XXXX report, it now shows XX/XX/XXXX in the dola. *see attached document * 2. Account number is different *see attached document* 3. The amount is different *see attached document* This is damaging my credit because they are allowing this company to report illegal, inaccurate and incomplete information on my credit report. 

Thanks XXXX XXXX
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXX is the name of the company that my auto loan is through ; after contacting the company with questions about my contract, I realized that they are a collections agency. My original loan amount was reported in XX/XX/2022 and by XX/XX/2022, even though I have paid on time every month, my loan amount has INCREASED rather than decreased. 

This is being reported to the credit bureaus and lowering my credit score. 

Please help.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX is the name of the company that my auto loan is through ; after contacting the company with questions about my contract, I realized that they are a collections agency. My original loan amount was reported in XX/XX/2022 and by XX/XX/2022, even though I have paid on time every month, my loan amount has INCREASED rather than decreased. This is being reported to the credit bureaus and lowering my credit score. Please help.
Consumer complaint received 2022-09-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (MO)

I am a co- borrower of XXXX XXXX Options XXXX XXXX. XXXX  XXXX filed XXXX listed XXXX and Salle Mae . Received dicharge in XXXX they did not object, did not do a lift of stay to try to secure anytype of poayment, based on thier statement. they have not recoved any paymenrs from XXXX. Ordinarily unsecured loans ( such as private student loans ) are fully dischargeable in bankruptcy. Sallie Mae likes to use 3.Any other educational loan that is a qualified education loan, as defined in IRS Code 221 ( d ) ( 1 ). See 11 U.S.C. 523 ( 8 ) ( B ). 
I did not recieve any education benefit, I did not receive a 1098-E. 

Courts find that the second exception does not apply either. A private student loan is not a scholarship or stipend, and the overwhelming body of judicial authority finds that it is not an educational benefit either. See Homaidan v. Salle Mae , Inc., 3 F.4th 595 ( 2d. Cir. XXXX  ) ; In re McDaniel, 973 F.3d 1083 ( 10th Cir. XXXX  ) ( No normal speaker of English ... would say that student loans are obligations to repay funds received as an educational benefit ) ; In re Crocker, 941 F.3d 206, 209 ( 5th Cir. XXXX  ). That a private loan is an educational benefit is inconsistent with the full text of 11 U.S.C. 523 ( 8 ) the other two exceptions would be unnecessary if education benefit included loans. Such an interpretation is also inconsistent with the provisions legislative history.

The Bankruptcy Code determines whether a private student loan is a qualified educational loan based on a definition set out in the IRS Code to determine if student loan interest is deductible from income for federal tax purposes. That IRS definition of a qualified education loan requires the loan be used for qualified educational expenses by an eligible student attending an eligible educational institution. As a result, this requires a creditor bear the burden to show a private student loan meets ten conditions If the lender can prove that all ten conditions apply, then the loan is only dischargeable if the consumer can show undue hardship. But at the time of loan origination if any of the ten conditions do not apply, then the loan is dischargeable 5. The Course of Study Must Qualify : enrollment must be in a course of study leading to a degree or certificate. See 20 U.S.C. 1091 ( b ) ( 3 ). A short-term course not leading to a degree does not qualify.

At the time of the loan orignation the Major listed ( course of study ) on the Promisry notes staes OTH. for all three years. 

XXXX there is no rate type on this promissory note.
Consumer complaint received 2022-09-01
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. (NY)

I have asked the credit bureau to do a thural investigation to verify everything on my credit report and they did. It's stated that everything is accurate which that statement is wrong. I did my own investigating and found numerous inconsistencies on my credit report even after they did their 's. 

Account name : XXXX XXXX XXXX XXXX In accordance with the Fair Credit reporting Act. 
XXXX XXXX XXXX XXXX XXXX has violated my rights, 15 U.S.C 1681 SECTION 602 A states I have a right to privacy 15 U.S.C 1681 SECTION 604 A states a consumer reporting agency can not publish an account without my written instructions
Consumer complaint received 2022-09-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Transunion : I am writing to you to request that you remove the following unauthorized account from my credit report : Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) Account Number : XXXX Amount : {$3200.00} Attached is a copy of the FTC Report I submitted for these fraudulent accounts. I have also sent this report directly to the creditor disputing their reporting. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. 

My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time. 

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX Social Security Number : XXXX Date of Birth : XX/XX/1991 Birth City : XXXX, Tennessee I look forward to receiving an updated copy of my credit report reflecting the above correction.

Thanking you in advance. 

Sincerely, XXXX
Consumer complaint received 2022-09-01
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. (PA)

in accordance with the fair Credit Reporting act XXXXXXXX Account XXXX XXXXXXXX violated my rights 15 U.S.C 1681 section 602 A State I have the right to privacy 15 U.S.C 1681 Section 604 A section 2.It Also stats a consumer reporting agency can not furnish a account without my written instructions Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Theres currently no bankruptcy record reporting on my XXXX XXXX XXXX Report, but theres a public record of bankruptcy XXXX  XXXXdischarged reporting on my Trans Union XXXX XXXX, and XXXX credit report. XXXX XXXX  report public records and bankruptcies to Trans Union, XXXX, and XXXX credit bureau.
Consumer complaint received 2022-08-17
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. (DC)

lam a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX I XXXX
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

I had repeatedly contact Home Depot in reference to inaccuracies found at the time on the credit card Transactions, yet they refused to come to an agreement in order to come to a positive outcome. Home Depot then placed the account Into collection and sold the debt to an outside company without my knowledge. the Collection company XXXX XXXX I, XXXX never attempted to contact me or attempted any type of communication in order too come to an agreement in settling the debt. Now XXXX is suing me and placed me in court proceedings, How is this fair without given me an opportunity to settle the account of any and all inaccuracies. I honestly believed that calvary has violated several federal credit laws in order to keep on not just harassing me but in an attempt to collect illegally funds that do not belong to them. On or about XX/XX/2022, I made contact with XXXX and they refused to provide any information in reference to the inaccuracies on the account. they persisted on verifying the account when in fact they automatically knew my biographical data. as you can see they alleged to have purchased the account yet they have failed to provide the following : XXXX. Copy of the original contract with my signature of the debt, XXXX. Full payment history from the original debtor in this case Home Depot XXXX. Name and address of the XXXX debtor XXXX. Proof that they own or have been assigned the debt to collect. 
Also I think the account is more than XXXX XXXX XXXX? 
My credit report does not show any type of debt of the account in question? this is why I'm asking for you assistance to resolve this matter.
Consumer complaint received 2022-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Persolve, LLC - Legal - Series 2 (FL)

Persolve has not provided a detailed explanation on the validity of this debt in writing. When I have called to address the matter, i have been transferred to people who only want to set a payment arrangement instead of proving the source of this debt. Additionally, they tried to bring a case but it was dismissed.
Consumer complaint received 2022-08-17
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (ME)

On XX/XX/XXXX I received an email from " Bill Department of PayPal '' noting that 3 {$200.00} XXXX XXXXXXXX XXXX had been purchased and were to be delivered to XXXX. At the bottom was the note : " There is evidence that your PayPal account has been accessed unlawfully. '' I could call XXXX ( XXXX ) XXXX for assistance. I did that. It took several tries but I reached someone called " XXXX XXXX '' who was obviously off shore. He wanted me to use bhelps.us on XXXX which would not load. After several tries I was able to download a bank which he promised would allow me to indicate where the {$600.00} could be returned. He instructed me to open an on-line account with the bank. I did not because at that time it was clear that what he wanted me to do was to open that not to return the funds but to get access to the funds. He told me that my ID had been compromised using the name of XXXX XXXX  in XXXX, who by the way is an architect. 

I did not make the purchase and if I had it would have been by credit card and wanted him to cancel the purchase. He became agitated saying I would not get my {$600.00} back unless I opened up my account. We do not use any electronic banking. He said that our early 45 minute call was being recorded for the FBI and the FTC, no I did not believe that. 

When he got to the bank issue I hung up. I contacted XXXX who does daily monitoring of my information. The person I spoke to said that this was not the first he had heard of using PayPal ; others included XXXX and XXXX. I checked with my banks and there were no withdrawals or deposits of the {$600.00}.
Consumer complaint received 2022-08-17
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. (MD)

I've been an Authorized User on my XXXX XXXX XXXX  account for about 2 1/2 yrs. And The 3 credit Bureaus XXXX, XXXX and Experian aren't reporting the credit age on my credit account in my credit files. Only 2yrs. worth of Credit NOT XXXX XXXXXXXX length of history, which I should receive under the Fair Credit Act. Documents are attached showing it's not reported. My son 's payments for XXXX XXXX ( ALL ) payments are on time and never late.
Consumer complaint received 2022-08-17
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. (CA)

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 has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Opened XXXX. XXXXXXXX XXXX Balance : {$0.00}