davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MA)

I am a victim of identity theft. I submitted all documentation to Experian in regards to these XXXX accounts, XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX which included my police reports, ID, Social Security card, proof of residence and affidavit. These accounts should have been blocked and deleted from my file. They are still present.
Consumer complaint received 2019-12-27
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. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX   CONSOLIDATED Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 4. Company Name : XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 5. Company Name : XXXX CARD Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 7. Company Name : XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 8. Company Name : XXXX   XXXX  XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX  CONSOLIDATED Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 10. Company Name : XXXX RETAIL CARD SERVICE Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 11. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 12. Company Name : XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 13. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Hi, I have made late payments before with the following companies below : - XXXX  XXXX ( Vehicle Loan ) - XXXX XXXXXXXX XXXX ( Personal Credit ) - XXXX XXXX ( Personal Credit ) - XXXX ( Personal Credit ) - XXXX ( Personal Credit ) I admit that I have missed and late payments with them before, but I already paid them all off. To this day, even when Im doing better with my credit cards, old information from them still hurts my credit score. 

With XXXX XXXX, the full Vehicle Loan was to be paid within 6 years. I have paid it full, XXXX years early ( XX/XX/2022 ). 

With XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX  and XXXX, I have paid them all off, before closing them. 

I couldnt find nor provide my Statement Accounts information from them, because as I said, all my accounts with them were already closed. 

Please do help me resolve this problem. 

Thank you.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX 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 Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TN)

today XX/XX/XXXX i contacted XXXX  i explained the situation about XXXX  XXXX which i previously reported to you an they just said didnt pay basically ..and it was closed excuse me if i sound frustrated but if i win in court why do you and the reporting agencies go against the court showing they dismissed it in court. it should have been removed from my report in XXXX i submitted papers to you XXXX XXXX has kept this account open an showing delinquent until i disputed it.this is fraud in its finest form.to lie to the reporting agencies.if i lie its a crime of some sort. i need to have this removed from my report and action should be taken to the next level.it shows the deciet of a big corporation that may have members sitting on the XXXX board of directors.I would like to have someone investigate this as to why you allowed this to stand with me providing documentation just because they wrote back i won the judge said i won winning is winning if you look back you will see i proved i won but the letter in return from XXXX XXXX  mentions nothing of the sort i read it .this account is 7 .5 years old but until i disputed it in XXXX of XXXX it was held open after many disputes now the last update was closed an in essence ive been bullied by a big corporation, that i won in court my complaint is with all three credit reporting agencies.they only work for the big corporations not the citizens..
Consumer complaint received 2019-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

I have tried a few times now to get this false name off my report. XXXX XXXX XXXX was never a legal name for me. Equifax had this name on me for 3 years. Now after they half-heartedly corrected my name to XXXX XXXX XXXX, they are still sending me mail in this fake name. I have attached the document I received in the mail today, XX/XX/2019, that is addressed to a made up person, or possibly somebody has this legal name, I do not know. I STILL need this false name off my record. I have had difficultly clearing security with Equifax over the years and I wonder if it is because some false information is reported on my account. I already reported to them every identifying piece of my identity and they still refuse to call me by my legal name.
Consumer complaint received 2022-01-31
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. (FL)

I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, Transunion, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.
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. (PA)

Dispute letter 1 I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you removed these items as soon as possible as it affecting my current situation. I am trying to better my situation and move into a new apartment with my son.
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (WA)

I have an old private loan with my XXXX University. From the account information on the loan sent to me by the University, it shows that it sent to the Credit Agency, Experian and XXXX, that the loan had been reported as paid off on XX/XX/XXXX. However, my Experian Credit Report shows this loan being in collection ( Negative Remarks ) in XX/XX/XXXX and XX/XX/XXXX. This is after 4 years of ND ( No Data being reported on the loan ) reporting since it has been closed. I have tried XXXX disputes and they refuse to remove this negative reporting from my account in the months on XX/XX/XXXX and XX/XX/XXXX, even though the document shows they University reported to the Credit Agencies that the loan was paid off XX/XX/XXXX.
Consumer complaint received 2019-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (TX)

I never had XXXX in my life, and I always use my military insurance when I go to the hospital. I guarantee that I have never went to XXXX what so ever. Maybe I was a victim of ID theft. As a result the hospital who provided the services should be able to identify the person in question as they are supposed to protect my person as a consumer. I cant believe that such injustice happened to me. When I call the hospital they stated that they didnt perform any service under this name.
Consumer complaint received 2022-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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

Transunion has violated my right to privacy in accordance with 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

Transunion has violated my rights in reporting this account as they do not have written permission in accordance with- 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 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

Date of last reported is still XX/XX/2018, how can you explain that you verify this account with an old date not even being updated? This is rediculous! have this deleted immediately, otherwise I will file a complaint against your agency!
Consumer complaint received 2019-12-27
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

Spoke to 3 different reps, the first one was rude right off the bat and yelled at me. The second one XXXX seemed like he wanted to help while talking to him then he put me on a 45 minute hold period so I can try to figure it out. Called back and spoke to my collections rep XXXX who was very rude, told her to not call my job and she told me well how are we suppose to get the funds? I told her under the fair debt collection law if I saw dont call a number you cant call for her to say ok Ill put down you refused to pay. I told her Ill keep calling because I did not say that. I called back and was transferred back to her I correct her on his mispronouncation of my name for her to say is very sarcastic back and how me telling her not to call my job wouldnt do no good. Told her I wanted to speak to XXXX but told me he was busy then she eventually transferred me over to him. Told him how extremely rude she was and all he said was ok Im sorry. Told him someone needs to go over customer service skills with her on how she talked to me, for him to get loud/yell at me and tell me Im wasting my time talking to him and I need to be figuring out how to get the money I owe. Then I told him not to call my job either and under the fair debt collections act you cant call if I say so for him to get loud/yell again. Told him I was going to talk to a lawyer because I feel like my rights under the collection act have been violated he said how are you going to get a lawyer if you cant pay us back and he can tell Im the type of person to owe them money. Told me I owe a little over 1400, told him I only received a letter for XXXX and wanted proof of the XXXX. XXXX told me he would email it to me, gave him my email never received anything.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give your credit reporting agency permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also 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.

I also demand you, to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf.

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number.

The following information on my credit report needs to be removed : ADDRESS XXXXXXXX XXXX XXXXXXXX NJ XXXX IT DOES NOT MATCH MY NJ GOVT ID THERE ARE INQUIRIES LISTED ON MY REPORT I DID NOT AUTHORIZE XX/XX/2023 XXXX XXXXXX/XX/2023 XXXX XXXX XXXX. 

Please note that you have 15 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (FL)

1. On XX/XX/XXXX I purchased a XXXXXXXX XXXX XXXX from XXXX XXXX  ( order number XXXX ), which I financed via XXXX XXXX by Affirm for {$490.00} XXXX. On XX/XX/XXXX, I received a confirmation email form Affirm/XXXX XXXX stating the following AutoPay Schedule with my XXXX XXXX : XX/XX/XXXX {$120.00} ; XX/XX/XXXX {$120.00} ; XX/XX/XXXX {$120.00} ; XX/XX/XXXX {$120.00} ( Affirm/XXXX XXXX Loan # XXXX ) XXXX. On XX/XX/XXXX my order was delivered and a few weeks later I started using the product XXXX. On XX/XX/XXXX I received confirmation from AffirmXXXX XXXX that, pursuant to my payment schedule, my final payment was successful and I had paid off my purchase in full XXXX. On XX/XX/XXXX I emailed the merchant to let them know that the device was not working correctly and requested a refund XXXX. On XX/XX/XXXX the merchant, despite the malfunctioning equipment, advised : " Unfortunately, your XXXX trial period expired on XX/XX/XXXX ( The device was delivered to you on XX/XX/XXXX ) and thus according to our policies, your product is not eligible for a return. '' 7. The matter was successfully disputed with XXXX in my favor XXXX. I received two emails from AffirmXXXX XXXX in XXXX stating my loan payments could not be successfully charged -- both of which I replied to, advising the state of the product, the attempted return, and the XXXX dispute resolution in may favor. No response was received. 
XXXX. On XX/XX/XXXX I received an email from AffirmXXXX XXXX advising : " Your loan XXXX has been charged off because you've had an overdue balance for XXXX or more days. '' XXXX. On XX/XX/XXXX I received an email form XXXX a debt collector, attempting to collect this invalid debt that I allegedly still owe to Affirm As the product is defective and the billing dispute was resolved in my favor by my bank, both the actions of Affirm and XXXX  are patently illegal.
Consumer complaint received 2019-12-26
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: Dovenmuehle Mortgage, Inc. (NC)

Dovenmuehle the loan servicer for me and my wife 's mortgage is not reporting the mortgage to our XXXX credit report. Information is missing. The loan was previously reporting, but it was incorrectly reporting. Now the information is not reporting at all.
Consumer complaint received 2022-01-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I have submitted a complain last week, but the wrong money transfers were reviewed. Please read this thoroughly, as well as looking at the screenshots to ensure proper case review. 
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulentinvestment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank transfer and debit card and through an intermediary named XXXX in the total amount of XXXX USD utilizing Branch Banking and Trust services.
Consumer complaint received 2022-01-31
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. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion 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 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX 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 Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2019-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent multiple requests to XXXX and Transunion regarding incorrect addresses. I requested that XXXX XXXX XXXX XXXX be removed from my XXXX   report and XXXX XXXX XXXX XXXX XXXX be removed from my Transunion report. Both have come back refusing to delete this erroneous information. I have submitted certified receipts as well as a copy of the letter sent to the bureaus.