davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

X/XX/2017 X/XX/2017 I 've contacted all 3 credit agencies in regards to validating the U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The Bankruptcy Court mailed me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed TransUnion, XXXX and XXXX Credit Bureaus has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.
Consumer complaint received 2020-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I applied for a XXXX  credit card a few weeks ago and I was not approved instantly and today XX/XX/20 I got a letter stating that the reason I was not approved was because there were too many accounts in negative or derogatory standing on my credit report. I had no idea what accounts they were referring to because none of my accounts are in negative standing. I checked my credit report just to make sure it wasn't a mistake and I found about 8 accounts on my report that are not mine. I had no idea these accounts were even on my credit history and I don't know who they belong to. I did not allow anyone to open those accounts in my name nor did I benefit anything from them such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I do not have any relationship or affiliation to any of the companies I listed in this report and I have already filed a police report regarding these suspicious accounts.
Consumer complaint received 2020-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MI)

They have made a mistake and everytime I call they even admit it but it never gets fixed. Some how they keep saying a XXXX XXXX   dollar a year insurance policy was taken out on my house. I have paperwork that says its XXXX dollars a year.I cant even make payments they say it will go into suspense cause the escrow account is all messed up from their mistake. The company is XXXX XXXX my name is XXXX XXXX.My # is XXXX - XXXX please help I call and stay on hold for up to 3 hours but it never gets fixed I have done this over 5 times.
Consumer complaint received 2024-02-23
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. (GA)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, it does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
Company : XXXX XXXX XXXX XXXX XXXX Amount : {$1400.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter.

Attached please find attached : Law Enforcement Report Proof of identity Copy of Credit Report Fair Credit Reporting Act Section 605B ( PDF )
Consumer complaint received 2023-01-14
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. (VA)

In according with the Fair Credit Reporting act XXXX Account # XXXX, has violated my Rights. 15 U.S.C section 602 A. Sates 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
Consumer complaint received 2020-01-02
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. (MN)

XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted  the bureaus to remove these however, I have not been successful.
Consumer complaint received 2019-02-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (FL)

This company never notified me of regarding the collection I had in their office, which is violation of the FDCPA. I reached out to them on a voluntary basis after speaking to the original creditor and being informed by them that my balance had been submitted to National Credit Systems. I have made numerous attempts to reach out to them in order to voluntarily setup a recurring semi monthly arrangement to resolve my balance. On all occasions I have spoken with XXXX. XXXX XXXX and she has been nothing but rude and inconsiderate. She has refused to accept payment from on 4 different occasions twice of which were on a recorded line. I did advise her that the line was being recorded and expressed that I would like to set an arrangement to resolve my balance however I could not afford the amounts being offered by her. XXXX. XXXX used very aggressive and intimidating tactics in attempts to collect the balance from. She even went as far as to deadline and say that if I didnt pay my balance by XX/XX/XXXX that they would be placing it on my credit report. I question as to how this could be done when they have never even notified me of the balance being in their office and she advised that if I didnt pay by then the damage would be done. Again I know that I cant be deadline as to when this will be applied to my credit report or threaten by damaging my credit in order to coerce me to pay. This is yet another FDCPA violation.
Consumer complaint received 2023-11-27
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)

I have recently checked my consumer report and I noticed an account that does not belong to me. According to 15 USC 1681c-2 Please block any items resulting from Identity Theft. Fraudulent account XXXX XXXX XXXX XXXX XXXXXXXX ) Fraudulent inquiry XXXX XXXX  date of XXXX XX/XX/2022. 

Please block and remove this negative account
Consumer complaint received 2019-12-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

On XX/XX/XXXX, XXXX XXXX was granted a judgment for the amount of {$4100.00} on a personal loan I obtained in XXXX. On XX/XX/XXXX, a XXXX XXXX employee, XXXX ( name may be misspelled ), from the Legal Department called my place of employment. XXXX failed to diligently locate the Personnel Department and spoke to a co-worker. XXXX spoke to Mr. XXXX XXXX, a XXXX XXXX, who addresses legal affairs for the inmates at my job. Mr. XXXX does not address employee legal matters or issues with debt collectors. On XX/XX/XXXX, Mr. XXXX emailed me requesting I give him a call. On XX/XX/XXXX, I spoke to Mr. XXXX, who informed me of the phone call between him and XXXX on XX/XX/XXXX. MrXXXX XXXX stated a woman called from XXXX XXXX, disclosed she was collecting a debt, and is trying to serve my job a wage garnishment order. Mr. XXXX stated the woman did not ask if she reached the correct department, or if she was speaking to the right individual. Mr. XXXX gave me the phone number he was given. After I left work, I immediately called XXXX XXXX and spoke directly to XXXX and identified her as making the call to my job. I informed XXXX she called the wrong department and she disclosed my personal business with someone who addresses inmates legal issues. XXXX denied disclosing my personal matter, however Mr. XXXX had knowledge of my pending garnishment due to XXXX negligence. Due to XXXX conduct, I suffered severe distress and embarrassment as a result of my personal business being disclosed. On XX/XX/XXXX, due to my Attorneys error, I filed for Chapter XXXX Bankruptcy for the third time, which was confirmed on XX/XX/XXXX. My plan is confirmed for me to pay 100 % of my debt owed to creditors, including XXXX XXXX. A wage garnishment order was served to my job on XX/XX/XXXX from XXXX XXXX, although the debt is included in the Chapter XXXX plan payment.
Consumer complaint received 2023-02-22
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: Experian Information Solutions Inc. (NY)

Received a letter from XXXX XXXX  XXXX that somebody tried to apply for a Credit card using my name. I called XXXX XXXX XXXX and notified that I didn't apply for the card and I don't recognize this activity. I also called XXXX XXXX and notified them and they put a freeze on my account. I have no idea how my personal information leaked out.
Consumer complaint received 2020-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (MS)

I closed all of my amex accounts on XX/XX/XXXX as they kept charging me for hotel stays that my ex husband charges to a old card he still has. I have all of the emails showing where the accounts were closed. I closed these accounts ( some of which I have had open since XXXX ) because they continually allow him to charge on my card as an additional user despite the constant calls and conversations I have had with them through the years. I assumed me cancelling all connections with this company would finally stop the charges. Yet I received another statement saying that I owed money for yet another hotel he has charged on my account. I contacted an attorney. She sent them a letter. Their response to the letter will be in the documents that I am attaching. After sending my attorney the response from AMEX she advised me to file a complaint with your agency. If that doesn't work we will move forward to a law suit. I don't understand why they keep allowing charges on a card that they acknowledge is cancelled and then think it is ok to send me the bill and put my good credit at risk. I need HELP. I need for them to stop allowing charges to go through to hotels and then they send me the bill. He uses the card to reserve rooms because if he doesn't show up he doesn't care if it is charged because he isn't the one being billed. So for him it is a win win. For me it is a nightmare!
Consumer complaint received 2020-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (FL)

I have previously filed a complaint with EdFinancial and on XX/XX/XXXX they sent out a letter which I didn't receive until XX/XX/XXXX stating that I had a couple of options to work out my repayment plan. 

When I called EdFinancial on the next business day to arrive an agreement on XX/XX/XXXX, the company had already turned over my account to the Default Department. 

I promptly called the Default department and they had told me that the options that were provided on the letter by EdFinancial were no longer available and they had turned over my account into default on XX/XX/XXXX.
Consumer complaint received 2018-03-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: World Acceptance Corporation (TX)

I attempted to apply for a loan with XXXX XXXX. But I declined and advised the representative that I was not interested. Several days later, I received an alert that a credit inquiry was made by XXXX XXXX. I did not authorize my credit report to be accessed, because I did not want to move forward with applying for the loan.
Consumer complaint received 2019-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (WI)

Im having an issue, I looked at my score last month and it was XXXX now it is XXXX. I dont see anything on my report that would have effected it to that extent?!? Please help. 

Also I need to make sure there isn't a duplicated student loan that is still on here. Navient admitted to wrong doing and that they had duplicated my loan on my credit.
Consumer complaint received 2020-06-10
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. (FL)

I have contacted Equifax and submitted documents that the items in my report are fraudulent. Ive attached my drivers license and social security card and have not had the items removed as well as the inquiries.
Consumer complaint received 2020-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$650.00} XXXX XXXX   XXXX XXXX {$420.00} XXXX XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX {$1000.00} XXXX XXXX {$1100.00}
Consumer complaint received 2020-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

I'm concerned that the freeze on my credit report ( or my credit itself ) has been compromised. When I attempted to access my credit report online and was asked about recent accounts ( which I didn't open ), I was told that the information I entered was wrong. I assume that means that there are loans/cards that someone else opened in my name. Can you help me? All three credit bureaus acted like I was a criminal for trying to understand what was going on. 

I finally got through to the FTC, but it was a series of " press this button '' and " I can not understand what you said. '' Please help me.
Consumer complaint received 2020-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm concerned that the freeze on my credit report ( or my credit itself ) has been compromised. When I attempted to access my credit report online and was asked about recent accounts ( which I didn't open ), I was told that the information I entered was wrong. I assume that means that there are loans/cards that someone else opened in my name. Can you help me? All three credit bureaus acted like I was a criminal for trying to understand what was going on. 

I finally got through to the FTC, but it was a series of " press this button '' and " I can not understand what you said. '' Please help me.
Consumer complaint received 2023-01-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC. (PA)

Downing town XXXX used ally financial to finance my loan. Loan agreement was changed after paperwork was signed and I went to the bank to get down payment. I was not allowed to leave the dealer as the workers would not let me. And demanded I stay till paper work is signed. Finally I was let go to the bank to bring a {$2000.00} down payment which did not go towards my car after associate stated it would. The company ally financial then reported recently a XXXX day late penalty to XXXX yet this is incorrect. 
Im accordance with the fair credit reporting act this has violated multiple of my rights and I will continue to take actions further with an auto attorney if this is not fixed within XXXX days. Either the late payment on my credit must be removed or this investigation will further with notarization. 
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 an account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This Account Is Fraud This is very Stressful that I'm a victims Of identity theft I'm a Single Mother That work very Hard for someone to steal My personal Information is just wrong
Consumer complaint received 2020-06-10
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. (GA)

XXXX XXXX Reported : XX/XX/2020 {$460.00} Needs Attention XXXX XXXX {$1000.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$93.00} XXXX XXXX {$1100.00} XXXX XXXX {$540.00} XXXX/XXXX  {$0.00} XXXX XXXX  {$0.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2020-06-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A. (CA)

Company operating as " XXXX XXXX Firm '' at XXXX XXXX called multiple relatives and associates stating I had litigation pending against my residence and they were trying to reach me. I called them back and requested proof of debt owed and information about this " law firm '' as it was clear they are a debt collection operation. The people I spoke to would not provide me anything in writing, they would not give their personal name or address. They also told me there was a court date for XXXX XXXX XXXX, 2020 which there is not. They made several threatening statements about putting me in jail, called me XXXX and many other names. 

This company is claiming to be a law firm, violating the FTC laws by contacting friends and family members, and making false statements about being sent to jail.