davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It appears that my credit file has been compromised. 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 you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$550.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$750.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$630.00} ; XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MARINER FINANCE, LLC (GA)

Mariner Finance XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX XXXX XXXX XXXXXXXX Mariner Finance , LLC, claims they sent an unsolicited loan check to an address that I have not lived at for over two years and is also claiming that someone cashed it, they are now demanding payment for the loan from me. One of their representatives reached out to me due to the signature on the check not matching the name on the check. I informed her that I had never even heard of her company much less cashed a check from them and that it was fraudulent and they needed to have it removed from my credit report. I was then informed that I would have to place a police report and give them a copy of it. I did not create this situation but I went and filed the report as asked and gave them a copy of the case number to follow up on. At this point they have now demanded that I come to their office and sign an affidavit so they can further investigate. I refused stating that it was their responsibility to resolve not mine and I will not waste my time and money helping them resolve it. They have now began to call me numerous times a day always someone different from a different office, and a barrage of emails demanding payment threatening to turn it over to collections and possible legal action. I have a copy of the check in question and it clearly shows someone else 's signature. After a very close examination of the check there is no stamp, signage, or even a location address of where it was cashed and by who. When I asked Mariner Finance , LLC to provide this information and proof that the money was actually paid out they refused. This really seems like some kind of scam.
Consumer complaint received 2022-12-08
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (NC)

I placed XXXX orders with XXXX XXXX XXXX XXXX XXXX  on XX/XX/2022. 
1st order : XXXX XXXX XXXXXXXX {$98.00} XXXX XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX  {$40.00} Total purchase # 1 {$150.00} this was an incorrect order and wrote email to vendor to cancel. received acknowledgement but no action or further response received. There is a XXXX cancellation & return for full refund. Communicated to Synchrony & XXXX but didn't provide return address. 

2nd Order : XXXX XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$35.00} XXXX XXXX XXXX {$38.00} XXXX XXXX XXXX filters {$48.00} Total purchase # 2 {$360.00} this order was received nearly 2 months later. I contacted vendor by website mail, XXXX and Synchrony Bank to cancel but no response other than research/investigation from credit card. XXXX was received but I didn't need this any longer. Attached is Synchrony Bank 's summary of transactions and dates. It will make you dizzy. Neither XXXX or Synchrony Bank provided the vendor 's customer service contact and shipping address. I was given a phone number on the statement but that didn't work.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Last year I discovered a false account with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX Bank and XXXX XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2023-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

In XXXX my XXXX had a XXXX error I couldn't get off so I called the number I talked to a XXXX XXXX he convinced me that my bank account had been compromised. Even the fraud protection number on the back of my credit card sounded like our bank or I never would have believed them. He convinced me that I needed to move money into a fake account It was {$49000.00}. I reported it right afterwards. But because it was a wire I probably won't get it back. A awful lesson to have to learn
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Experian continues to knowingly and willfully report innacurate account data and information that was found to be false from XXXX and deleted from the XXXX report. Experian failed to show written proof that I gave my written and verbal consent to the companies that sold and reported my private information and account data to their agency, after I wrote hand written letters to their company along with an FTC fraud report. Experian refused my request to immediately delete the unfair and innacurate info and instead continued to report the unfair and innacurate data which caused me to be denied access to credit which is my right as a consumer. This led to financial loss and missed opportunities to further my business and personal matters. Experian can not and has not shown proof of my consent to report negative account information as well as old addresses and incorrect legal names concerning me which are violations of my consumer rights.
Consumer complaint received 2023-10-03
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: LendingPoint Holdings LLC (CA)

I have been going through financial hardship. I was approved to make payments for three mo ths on XXXX XXXX XXXX for XXXX XXXX and some change. My normal payment is approximately XXXXXXXX XXXX. Today I was charged the full amount. A mistake on their end. I tried reaching out but the customer service representative was indifferent. I am behind on rent. I pay XXXX a month which was supposed to get payed on the XXXX, this Friday. I am now overdrafted by around XXXX XXXX because of the companies irresponsibility. I asked for immediate pay of what is due to me and restitution in accordance with law and my agreement with the financial institution but was denied. So now I have no money. I'm negative about XXXX and wo t be able to cover rent Friday plus got no money at hand. How can I sue them for Mal-practice? They are quick to charge us late fees but when they mess up they won't stand up to it. Please help
Consumer complaint received 2023-10-03
Product: Credit reporting 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. (NC)

Inquires i did not authorize listed below XXXX XXXX XXXX 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 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am reportin that there's been an error on my credit report under this account " XXXX XXXX XXXX '' It's indicated as 30 days late on XX/XX/2023 which is not true, because I always pay this account on time and never missed, not even once.
Consumer complaint received 2022-12-09
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. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat ok payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted XXXX, XXXX and TransUnion on XX/XX/XXXX and XX/XX/XXXX regarding late payments noted for two accounts ( XXXX and XXXX XXXX XXXXXXXX ) as they were reported in error and I have not received written notice back from any of these credit bureaus. 

XXXX late payments reported : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX late reported : XX/XX/XXXX
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 alleged fraud or extortion. 
DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio Servicing, Inc has fraudulently forced my home into foreclosure. Based upon my payment history every payment has been made timely and in full. Per my prior complaints SPS had stated that payment XX/XX/2022 was never received yet in the response I received it clearly states that the payment for XX/XX/2022 was received and never applied. 
I am seeking full loan dismissal based upon the complete and knowledgeable fraud of this loan. SPS has the means to bare down to cover up this effort to cause me financial harm and loss of my home.
Consumer complaint received 2022-12-09
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. (SC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-09
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. (SC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-03
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-09
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX 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 1666B : A creditor may not treat a payment on an account under an open end and consumer credit plan as late for any purpose.
Consumer complaint received 2018-05-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

This regards XXXX Equifax is using a trick to avoid responding. 

They sent an email offering information on my case. However, in order to obtain the information, I was asked to submit some simple information to identify my account I submitted the correct information but the Equifax system rejected it. I tried several times, and I am sure I entered the correct, simple, information. It comes back each time " incorrect. '' By that means they avoid responding.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Ensuring timely payments has always been my priority for this account, ensuring they're never overdue. I'm puzzled by the reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be addressed.
Consumer complaint received 2023-08-03
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. (CA)

This is my SECOND 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 items 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 XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-13
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. (FL)

I value your help to CORRECT a portion of the data in my credit file, yet I have some items passed on that should be investigated. Per FCRA you are expected to correct and update these items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

XX/XX/2023 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Inaccurate Information on Credit Report Re : XXXX ( XXXX ) To Whom It May Concern : I am writing to dispute inaccurate information on my Equifax credit report. This report shows an outstanding debt owed to XXXX XXXX XXXX XXXX ( XXXX ) that does not belong to me listed by XXXX. 

This debt has been inaccurately reported in the past. I have disputed this before and it was subsequently removed from my credit report. However, it has now reappeared. This account does not belong to me and I request that you immediately delete it from my credit report. 

I Please investigate this matter and make the necessary corrections as soon as possible. 

Under the Fair Credit Reporting Act, I am entitled to a response within 30 days of receipt of this letter. Please send me written confirmation that this erroneous debt has been permanently deleted from my credit file.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Sending this complaint means that I haven't received an acceptable result that I expected showing in my credit reports. I found that only XXXX inquiry was removed in my XXXX credit report, but the rest of the items were still reporting in my XXXX Credit Reports. And I need them REMOVED from my credit file. I am requesting the XXXX, Equifax, XXXX to please see the items I listed here in this complaint for you to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX Balance : XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX Balance : XXXX XXXXXXXX : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX