davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2023-04-04
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-16
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. (MO)

i called XXXX XXXX they stated they deleted my acct and sent it to credit agency to remove my acct is still reporting on my acct
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

I did not give consent to Equifax, authorization, nor did I benefit from any of the following inquiries. Inaccurate Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. Please Delete these immediately because I gave no one permission, Nor did I authorized anyone to run my credit, or to release my information ( U. S. Code 1681b, Permissible Purposes... ). I also have the right to privacy according to the FCRA 15 U.S. Code 1681 section 602 A. This is a grave violation of my rights as a consumer, so delete these XXXX XXXX off my credit report. Please mail me a corrected copy of my credit report. I had no help writing this complaint.
Consumer complaint received 2023-04-04
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: Helbing Law Group (OH)

I have paid Helbing Law Group $ XXXX to settle my debts. All my accounts were in good standing when I signed up for the debt settlement agreement. They advised me to immediately stop payment to all the debtors so they could settle the debts for minimum 50 % of the outstanding balances. This caused the balances to greatly increase. They have not settled the debts as promised averaging 30 % debt reduction, which had they not gone to collections, I would have owed less than what they " settled '' a few of the account for. I recently found out that the debts would have reached their expiration date for collections, yet I am.still paying them to settle these debts and still paying on debts that reached their collection limit. When I reached out to them, in XX/XX/2023 to ask them for information on each debt, their term limit, justification for the amount I was still paying them, and what my escrow balance was all in writing, I never received any evidence or justification of amount I've been paying or what I had in my account. The associate on the phone gave me an answer that made no sense and could not answer why I am paying on the account that would have been uncollectible debt over a year plus ago. I feel I was scammed into a " program '' to pay off my debts at a reduced rate and my credit school which was good at the time is incredibly bad as a result.
Consumer complaint received 2023-07-05
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. (PA)

I have been a victim of identity theft. A fraudulent account has been opened in my name and reported on my credit are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (AL)

The accident occured on XXXX XXXX the GAP insurance claims they do not cover this vehicle but wrote the original policy. It is with credit acceptance. No XXXX  XXXX XXXX comes with passenger seats.
Consumer complaint received 2023-02-08
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. (GA)

XX/XX/XXXX Equifax removed XXXX XXXX # XXXX from my credit report due to a dispute I filed proving I am not the owner of this account. This account belongs to someone with a totally different middle and last name. I provided sufficient identicication proof that the XXXX XXXX account is a mistake due to credit file merging. 

on XX/XX/XXXX XXXX XXXX # XXXX was added back to my Equifax credit report along with the name of the owner of the account in question. 

Proof of Equifax XXXX and Police report attached.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Self Financial Inc. (TX)

Self inc financial is reporting my account as late, paid off.. I made all my payments on time and need for the to update my account to paid off, paid on time, and need it to be updated on all three credit bureaus.. this has affected my credit tremendously
Consumer complaint received 2023-04-03
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 — Problem with personal statement of dispute
Company: AmeriHome Mortgage Company, LLC (IN)

XXXX I had XXXX and was severely affected by it. I was off work and unable to submit my XX/XX/22 mortgage on time. I called and was told I would be covered under the XXXX XXXX XXXX for 3 months. Late payments will not be reported. Late payment was still reported for XX/XX/22. Ive spent over 6 months trying to get it resolved but they are doing nothing about it. The negative credit reporting has affected my credit and I will like it removed.
Consumer complaint received 2023-08-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

XXXX XXXX  is a rip-off company that never gives modifications nor helps its customers get back on track. Stay Away from this company. They lie about not receiving modification paperwork and making the customer seem wrong. I have been going back and forth with this company for a long time and can not get any justice. Predatory lending at its best
Consumer complaint received 2022-11-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (UT)

I received a call from " Pioneer Credit Recovery '' on XX/XX/2022 at XXXX XXXX where I missed a call. I received another call on the same day at XXXX XXXX and they asked for me by name then the agent told me that I owe {$560.00} and that they show this debt from the U.S. Department of the Treasury, Bureau of the Fiscal Services. I asked what the debt is for and he said that is the only information he can see. I let the agent know that there must be a mistake because I don't have any outstanding debts, then I asked to be put on the do not call list and hung up. 
Since then, I have had to block the number but my phone shows me when blocked numbers still call and they have called me 3 times a day for most days since. They have also sent me a letter with no further information about this " debt '' other than it went from me owing {$430.00} as of XX/XX/2022 and that I wasn't charged interest but somehow the " Total amount of the debt now : {$560.00} ''. So not only are they trying to say I owe from a branch of the government I have no affiliation with but they are also trying to tack on an amount for nothing? This is clearly a scam.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my several endeavors to tell credit bureaus 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. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX AV XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX  XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$2300.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OR)

XXXX & Equifax stated my account was properly Investigation but how is that possible if the open date is Inaccurate, the date last active is Inaccurate, and the date last reported is not accurate? This is ground for removal they also violated my rights under 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 an account without my written instructions. Below are the names of the original creditors, along with account numbers and a list of various violations. XXXX Account # XXXX Violation 1 : Date Opened : ( XXXX ) XXXX  Date Opened : ( Equifax ) XX/XX/XXXX Violation 2 High Credit Limit : ( XXXX XXXX ) {$1500.00} High Credit Limit : ( Equifax ) {$1100.00} Violation 3 : Date Last Reported:XXXX ( XXXX ) Date Last Reported:XXXX  ( Equifax ) Violation 4 : Date Last Active : ( XXXX XXXX ) XXXX Date Last Active : ( Equifax ) XXXX XXXX Account # XXXX Violation 1 : Date Last Reported : XXXX  ( XXXX  ) Date Last Reported : XX/XX/XXXX ( Equifax ) Violation 2 : Date Last Active : XXXX  ( XXXX ) Date Last Active : XXXX XXXX  Account # XXXX Violation 1 : Date Last Reported : XXXX  ( XXXX ) Date Last Reported : XXXX  ( Equifax ) Violation 2 : Date Last Active XXXX XX/XX/XXXX ( XXXX ) Date Last Active : XX/XX/XXXX ( Equifax ) XXXX Account # XXXX Violation 1 : Date Last Reported : XX/XX/XXXX ( XXXX ) Date Last Reported : XXXX ( Equifax ) Violation 2 : Date Last Active : XX/XX/XXXX ( XXXX ) Date Last Active : XX/XX/XXXX ( Equifax ) XXXX Account # XXXX Violation 1 : Date Last Reported : XX/XX/XXXX ( XXXX ) Date Last Reported : XX/XX/XXXX ( Equifax ) Violation 2 : Date Last Active : XXXX XXXX XXXX ) Date Last Active : XX/XX/XXXX ( Equifax ) US DEPT ED Account # XXXX Violation 1 : Date Last Reported : XX/XX/XXXX ( XXXX ) Date Last Reported : XX/XX/XXXX ( Equifax ) Violation 2 : Date Last Active : XXXX  ( XXXX ) Date Last Active : XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Violation 1 : Account Status XXXX Indeterminate ( XXXX ) Account Status : Closed ( Equifax ) Violation 2 : Date Last Reported : XX/XX/XXXX ( XXXX ) Date Last Reported : XX/XX/XXXX ( Equifax ) Violation 3 : Date Last Active : XX/XX/XXXX ( XXXX ) Date Last Active : XXXX  ( Equifax ) US DEPT ED Account # XXXX Violation 1 : Date Last Reported XXXX XXXX  ( XXXX ) Date Last Reported : XX/XX/XXXX Violation 2 : Date Last Active XXXX XXXX ( XXXX ) Date Last Active : XX/XX/XXXX ( Equifax ) Violation 3 : Payment Status : Collection ( XXXX ) Payment Status : 120 Days Late ( Equifax ) US DEPT ED Account # XXXX  Violation 1 : Payment Status XXXX Collection ( XXXX ) Payment Status : Collection ( Equifax ) Violation 2 : Date Last Reported : XXXX  ( XXXX ) Date Last Reported XXXX XXXX ( Equifax ) Violation 3 : Date Last Active : XX/XX/XXXX ( XXXX ) Date Last Active : XX/XX/XXXX ( Equifax )
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late.If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2023-06-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: OPTUM BANK, INC. (TX)

I started the transfer process to move my XXXX from Optum Financial to XXXX XXXX on XX/XX/2023. All investments were transferred to cash at Optum on XX/XX/XXXX. XXXX overnighted the documents to Optum to request the transfer on that date. I received a {$3.00} HSA Account Maintenance Fee on XX/XX/2023, then a {$20.00} transfer fee on XX/XX/2023. The transfer out which took the money out of the account creating a XXXX balance was on XX/XX/XXXX as well. So it took a month from request to closure. However, the story has not ended there. XXXX has still not received the funds as of XX/XX/XXXX. 

I called Optum a couple of times between XXXX and XXXX to find the status. Their customers service was totally lacking as the only thing they could tell me was what I could already see online. 

I called on XX/XX/XXXX after I received a call from XXXX asking if I could follow up with Optum as they still have not seen the funds. When I called Optum, they said it was going to take another 4-6 weeks to cut a check. I said that was unacceptable and asked for this issue to be escalated. They said someone would contact me within 48 hours. 

On XX/XX/XXXX, I received an email from Optum simply saying that we have completed all actions on your request. Case # XXXX. What action? I had asked for a call back to see why it was taking so long. I called them back at that time and was told that the check was actually mailed to XXXX on XX/XX/XXXX. 

As the check never made it to XXXX, I asked them to reissue the check. They said they would, but now it has been over two months, and I have over {$19000.00} that has been sitting in limbo not growing or earning anything. 

It is like they are purposely trying to XXXX the customer so they can earn money on the float.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2022-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ark-La-Tex Financial Services, LLC (MI)

I received a letter from Benchmark mortgage on XX/XX/XXXX stating that I have to pay them an additional {$2200.00} because my escrow account is short this amount, I refinanced my home with them on XX/XX/XXXX, to obtain a lower interest rate, which I did it went from 3.5 % to 2.25 % fixed rate they ( Benchmark mortgage ) drew up all the paperwork and all the terms and conditions and amounts were agreed upon, my property taxes and insurance and principal and interest,, Everything is included and automatically withdrawn from my bank account on the first of every month my mortgage payment was {$710.00} and now it is {$900.00} for the next 12 months I can not afford the additional {$180.00} every month, this is there mistake not mine,!!! my property taxes and my homeowners insurance have not changed therefore my escrow account shouldn't be short period!! I spoke to Benchmark mortgage and the only solution they gave me was to seek financial aid from them,, they agreed the shortage was there fault but there was nothing they could do about it, except that I would have to pay the difference, this is money I don't have I am on a fixed income, and I should not have to pay for there mistake, please help me, this company is committing fraud against me in my opinion,, this is a financial burden that I should not have to bare, my email is XXXX, thank you
Consumer complaint received 2022-11-29
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. (FL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-29
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. (NM)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidently under 15 U.S.C. 1681. 

XXXX XXXX Account XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX  Account XXXX XXXX Bank Account XXXX XXXX XXXX XXXX XXXX Account XXXX Dept of ED/XXXX Account XXXX DOE XXXX XXXXccount XXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account XXXX XXXX Account XXXX
Consumer complaint received 2024-05-02
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: JPMORGAN CHASE & CO. (PA)

JPMCB CARD SERVICES I have unauthorized inquiries made on the dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  I have an unauthorized inquiry on the date : XX/XX/XXXX