davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

I reached out to advise the company I currently stayed between to addresses at the time and my information was misplaced or stolen during the time I was living in to places and I noticed this hard inquiry on my account I called in to have the issue removed and the school representative was very rude and stated she wouldn't be able to further assist me with the removal of this issue and the only way it would be removed is to pay the balance due never gave my personal consents to the school to run my information through there system and never attend the school I am a full time employee don't have time for schooling have been for years and I am a bet upset that due to my information being on file I can't remove something that wasn't accurately me apply for the student loan or schooling process school is a scam and they lead a lot of people wrong I never wish to do business with this school or company I am in California I don't know anything about the schooling or the INS and outs that come with this school and there background just know when I reached out to be further assisted the company was rude and pushy and couldn't advise me to do nothing but pay the bills due that aren't mine
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX  # XXXX is reporting a charge off to my credit that should not be on there. I never received any kind of notice that this account was late or that it charged off. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX # XXXX is reporting a charge off to my credit that should not be on there. I never received any kind of notice that this account was late or that it charged off. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.
Consumer complaint received 2023-01-24
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. (HI)

Experian has not removed scores of invalid, unauthorized information that has a material impact.. I have enclosed all information in attachment. It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Experian databreaches, class action & amp ; settlement lawsuit, and is available for free, on pastebin websites, and on the blackmarket or dark web internets for a fee.
Consumer complaint received 2022-07-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

Hi my name is XXXX XXXX and I'm submitting this and this isn't any influence and this is not a third party. XXXX, Experian and XXXX has low and unfair credit number for me in their reports. I have complained. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a low life 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 and I made this clear for 60 days straight with XXXX, Experian, and XXXX when I spoke to a representative agent for XXXX name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rep 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 and remove the inquiries and its been 60days and they record the calls and admitted they had my police report, 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 and now I'm XXXX  and can't provide for my children PLEASE HELP ME PLEASE and I'm XXXX  now.
Consumer complaint received 2021-06-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc. (GA)

In XX/XX/2017, I went to XXXX in XXXX, GA to purchase an automobile with my credit card. I was provided a credit application which I filled out and provided my credit card to the sales rep at XXXX to extend my credit. In return, XXXX brought me an alleged loan on a document with the title 'Sales Agreement ', and it stated GM FINANCIAL as the 'LIEN HOLDER '. A finance charge was involved in the consumer credit transaction and was not disclosed clearly in any of the communication sent from GM FINANCIAL. GM FINANCIAL furnished deceptive documents and communicated with me at my abode in connection to collect an alleged debt that is not lawfully owed. I did make payments after being harassed by the monthly bills and annoying phone calls over the years from GM FINANCIAL, making me believe I was obligated to make such payments. I sent GM FINANCIAL a request to validate the alleged debt. They have not sent any documentation proving any legal or lawful obligation as requested in the allotted time frame. The payments have caused damages to my financial status and reputation. GM FINANCIAL continues to violate my federally protected rights and communicate with me without my consent in an attempt to collect an alleged debt. GM FINANCIAL has not provided any legal or lawful validation of any debt or alleged debt.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # ENDING IN XXXX
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the XXXX XXXX XXXX  is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # ENDING IN XXXX
Consumer complaint received 2020-03-18
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These items were fraudulently made without my consent. Please delete these accounts from my report immediately. 

DPT ED/XXXX XXXX {$3100.00} DPT ED/XXXX XXXX {$920.00} DPT ED/XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX  XXXX {$2900.00} XXXX   XXXX {$140.00}
Consumer complaint received 2021-06-17
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: EQUIFAX, INC. (OH)

I have spoken with Several representatives spending multiple hours and time trying to get Equifax to accurately report and release my credit history. Equifax has continued to misrepresent me in will not accurately update my account. I have sent in the information that I have confirmation for. Every time I speak with a representative I am told something different. I have been working with Equifax since XXXX to correct this issue and I have asked to speak with Managers or higher up but for whatever reason Equifax 's no longer has a manager to assist the CSR. I was told by the CSR that I needed to speak with him or get nothing. He refused to cancel the online profile to protect my credit as I don't want it because it is not reporting accurate information. Equifax continues to send out letters stating that I am not creditworthy I have no credit score and no credit history, when in fact this is NOT true. However when I log in to myequifax.com its shows am credit score and good credit history, yet the report the total opposite to potential creditors which in turn I'm denied credit. They have admitted that my credit file is has something going on with it I have been told its been corrected but as of today it is not correct and the workers representing Equifax refuse to fix this therefore Equifax is actively and knowing defaming my character by NOT reporting my TRUE and REAL credit history.
Consumer complaint received 2022-12-31
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: LEXISNEXIS (MN)

Lexisnexis and XXXX this dispute/ complaint is directed to both of you mainly Lexisnexis . You are the one that run to these courthouse snooping around to see what you can find to report on people. The reason I know this because each reporting agencies XXXX XXXX XXXX tells me so. Because each one states that you claim you verified the dispute. It is listed on each of the reporting agencies! Since you are running back claiming you verified the inaccuracies and violations of the FCRA. I have a few question and request XXXX ) review XXXX credit report that is attached to this dispute could you please tell me why was the public record XXXX deleted from the credit file? I have asked XXXX 22 time as to why! All they can tell me is that Lexisnexis verified alright since you verified Im asking you why did the United States bankruptcy court of Minnesota asked to re-insert the public record back to XXXX credit report?? They would have been the only one that had the public record re-inserted! Due to the fact that is where the bankruptcy was filed! So since XXXX tells me you verified the information in question. Since you verified and XXXX tells me that you did. I Exercise my rights under FCRA 609a ( 2 ) to request and for you to tell me and provide me with the following information Why was this public record Re-inserted back to the credit file? 
Who told you to add this back to the credit report I need the name of whom you spoke with name phone number! On there company letter head! 

XXXX is an electronic public access service for United States federal court documents. It allows users to obtain case and docket information from the data base but XXXX wouldnt not and Is not equipped with removing and adding bankruptcies to a consumer credit file so we know XXXX didnt have anything to do with added or removing anything from XXXX credit file! Again if you try to even come back trying to say XXXX  did this I again exercise my right under FCRA 609A ( 2 ) for you to provide me information from XXXX  and the name and phone number of a representative from XXXX  that states that XXXX  does remove and add public records to a consumer credit report! LEXIS-NEXIS you are the data furnisher again you have people running in and out of courthouses viewing XXXX  system which is third-party vendor like yourself. And nobody but your Organization re-added the public record back to the report!

2. You failed to notify me within 5 business day of the Reinsertion which puts you in violation of the FCRA i asked that you remove the public record that indicated it was delete it and re-add it nobody did it but you! 
All XXXX can tell me is Lexisnexis verified my dispute as to why was it re-added now Im asking you for factual proof as what and how did you verify it! The XXXX report is uploaded which shows that you verified it!!!! I will be waiting your response! And I thank you!! 

XXXX
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (DC)

Colony , Inc, owns XXXX XXXX XXXX, and XXXX XXXX. They switched the names on the accounts, so they could retaliate by reporting erroneous information. I provided the documentation that shows the accounts are paid in full and they keep reporting they are delinquent and charged off. They refused my offer to pay, but I paid anyway and they kept the payments. They can not keep the payments and continue to report wrong information.
Consumer complaint received 2024-04-18
Product: Credit reporting 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. (NJ)

I received a letter from DOJ concerning a breach that might include some of my personal information. 

I called the phone number in the letter and when it was mentioned that I needed use texting ( a cell phone ), I asked if there was an alternate way ( I don't have a cell ), the person became evasive and disrespectful. 

From my perspective, this company seems to acting as a shill for cell phone companies.
Consumer complaint received 2020-03-18
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. (FL)

I have a XXXX XXXX XXXX company and deal with all the major mortgage companies including XXXX  XXXX XXXX, which I have a least 10 loans. The homeowners ' insurance for 3 of the XXXX XXXX XXXX loans came due XXXX of XXXX. The insurance was paid by me in XXXX of XXXX. XXXX  XXXX XXXX requested evidence of insurance for said properties shortly thereafter. My agent and I both faxed evidence multiple times throughout the following months. XXXX  XXXX XXXX continued to request evidence of insurance and we continued to supply it. XX/XX/XXXX, I uploaded evidence of insurance to the website XXXX  XXXX XXXX provided and received confirmation emails of receipt. XXXX XXXX XXXX placed a lender-placed policy on one of the loans and changed the payment. I continued paying the normal payment every month, knowing I had provided evidence of insurance. I had to finally in XXXX go to a branch office and have them fax and email evidence directly to someone in the insurance dept. It took several months to get everything back to normal, then in XX/XX/XXXX, a business banker I deal with notified me my credit score had been hit 3 times for non-payment on 1 of the XXXX  loans and had reduced my credit score by 100 points. XXXX  XXXX XXXX has charged me inspection fees, late fees and hits on my credit due to there not processing my insurance correctly. Throughout XXXX, when I would contact XXXX as a follow-up, they would have no records of me contacting them the last time, which might only be a week or so previous. They said they investigated and found they had done nothing wrong. It makes no sense, why would I not provide evidence when I clearly paid for it, why would I not pay only one of the many loans I have, and why did they not address the confirmation emails they provided.
Consumer complaint received 2020-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a XXXX XXXX XXXX company and deal with all the major mortgage companies including XXXX XXXX XXXX, which I have a least 10 loans. The homeowners ' insurance for 3 of the XXXX  XXXX XXXX loans came due XXXX of XXXX. The insurance was paid by me in XXXX of XXXX. XXXX  XXXX XXXX requested evidence of insurance for said properties shortly thereafter. My agent and I both faxed evidence multiple times throughout the following months. XXXX  XXXX XXXX continued to request evidence of insurance and we continued to supply it. XX/XX/XXXX, I uploaded evidence of insurance to the website XXXX  XXXX XXXX provided and received confirmation emails of receipt. XXXX  XXXX XXXX placed a lender-placed policy on one of the loans and changed the payment. I continued paying the normal payment every month, knowing I had provided evidence of insurance. I had to finally in XXXX go to a branch office and have them fax and email evidence directly to someone in the insurance dept. It took several months to get everything back to normal, then in XX/XX/XXXX, a business banker I deal with notified me my credit score had been hit 3 times for non-payment on 1 of the XXXX  loans and had reduced my credit score by 100 points. XXXX  XXXX XXXX has charged me inspection fees, late fees and hits on my credit due to there not processing my insurance correctly. Throughout XXXX, when I would contact XXXX as a follow-up, they would have no records of me contacting them the last time, which might only be a week or so previous. They said they investigated and found they had done nothing wrong. It makes no sense, why would I not provide evidence when I clearly paid for it, why would I not pay only one of the many loans I have, and why did they not address the confirmation emails they provided.
Consumer complaint received 2022-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NY)

I received fraudulent charges on my PayPal credit account on XX/XX/2022 in the amount of {$4600.00}. I contacted PayPal and they said they would take care of charges that they could see that it was fraudulent activity. They said that they would set up a new account for me and I contacted my bank to change my debit card so that the charges did not go through my bank account. PayPal reversed the charges XX/XX/2022, but when the new account was set up, the charges showed up as transfer balances. I have contacted PayPal almost every week since XXXX to clear this up. They keep telling me that it will take XXXX days to clear up. It has never been cleared up. I have XXXX charges that are mine that I still owe : XXXX XXXX {$210.00} purchased on XX/XX/2022, XXXX XXXX {$16.00} purchased on XX/XX/2022 and XXXX XXXX {$120.00} purchased on XX/XX/2022. On my statements it shows a balance due on this account of {$3400.00}. It is accruing interest and late fees. I have not done any activity on this account since this happened. I had a couple of legitimate purchases that were made through PayPal and paid directly from my bank account. The problem seems to be only on the PayPal credit line. I am hesitant to Pay my balnce because I still have all these fraudulent charges on my account.