davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-26
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. (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 n 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 im XXXX  now.with no help.
Consumer complaint received 2021-09-30
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: SYNCHRONY FINANCIAL (TX)

I have tried multiple times disputing this information with Synchrony Bank and all three credit bureaus. Synchrony Bank informed me that I'm not an authorize user nor do they reflect any accounts with my social security number. I have contacted the credit bureaus and they have failed to provide me any documentation that I applied for any credit with this company. I'm requesting this account be deleted from my credit reports immediately.
Consumer complaint received 2022-08-16
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 this isn't 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 im XXXX now.with no help.
Consumer complaint received 2021-09-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (CA)

On XX/XX/XXXX I received an alert from my credit card alert that an inquiry was placed on my credit report. The creditor was a collection agency from Sunrise credit. I called the number that was attached to the inquiry because I did not recognize the account. A representative said it was from XXXX XXXX XXXX XXXX  and they sent me a letter, which I did not receive. I told the representative that I moved out of state and did not receive the letter. She said that it was from XXXX XXXX XXXX and I have to pay it and I asked her the amount of the debt and asked can she send me the details. I did agree that I use to have XXXX XXXX XXXX but the amount mentioned was not correct so send me details. She said if you know you owe them than you had time to pay before it came to their office. I explained that I moved and did not receive a call nor letter from anyone in last 8 months. I did mention I owed XXXX XXXX XXXX {$400.00} not {$800.00} and I was willing to settle for the {$400.00} and she said no because I had time. So I said I will not pay until she send me details and she said it will continue to report even if she sends it. Remind you, I called and I gave them my updated address .. next day I received another inquiry on my credit on XX/XX/XXXX so thats 3 times within one week on the same credit bureau XXXX and the other two credit report companies as well. I feel this is illegal and a threat because I called and ask for details on debt and I was willing to settle and sunrise said no. So I feel they attacked my credit report illegally and did not contact me appropriately before placing debt on my credit report. If they contacted me when they received the debt and I refused to comply than I can understand their reason BUT since NO communicated with me, than definitely no acceptable for what transpired. Please have inquiry removed immediately! They should NOT handle the situation the way they did.
Consumer complaint received 2022-12-04
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. (HI)

I had my identity stolen, they took EVERYTHING from me they even took over.credit record..I can't even get my own records, It feels like I'm being XXXX over a over again XXXX can't afford a lawyer g
Consumer complaint received 2021-09-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mar Joe Enterprises (PA)

I disputed an alleged debt of {$42.00} reported on my XXXX credit report by MarJoe Enterprises. They " verified '' the debt belonged to me. I then sent a letter to MarJoe Enterprises disputing the validity of the debt. They did not respond within 30 days, and still have not responded to validate the debt. I disputed the debt again with XXXX submitting proof that I had sent a letter to MarJoe Enterprises with a return receipt and that they had not validated the debt. XXXX again " verified '' the debt was mine. 

MarJoe Enterprises has not validated this debt with me. They've refused to respond to my inquiry. They are obviously a bad actor and should be banned from debt collection due to their inability to follow the law.
Consumer complaint received 2021-09-30
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. (TX)

I have tried multiple times disputing this information with XXXX XXXX and all three credit bureaus. XXXX XXXX informed me that I'm not an authorize user nor do they reflect any accounts with my social security number. I have contacted the credit bureaus and they have failed to provide me any documentation that I applied for any credit with this company. I'm requesting this account be deleted from my credit reports immediately.
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (TX)

Do not recognize these Inquiries XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian
Consumer complaint received 2021-09-30
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: EQUIFAX, INC. (WA)

This is something Ive been dealing with with over a month all started XX/XX/XXXX when I had a dispute and the card company reported me negatively and I drop my credit 20 whole points it was not supposed to happen Ive been pussyfooting around with us you could see what day it is now and I complain against credit card company and XXXX XXXX and that seem to get fixed pretty quickly but now I have XXXX XXXX  that is dragging its feet your government agency you should be totally on top of this and I keep getting jerked around with the credit card company and nobody seems to be behind the wheel of this massive runaway train we The people call a country
Consumer complaint received 2021-09-30
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: EQUIFAX, INC. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2022-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Chime Financial Inc (TX)

Chime XXXX  Card has not consistently reported to all 3 credit bureaus as advertised each month. They infrequently report the card using from 1month then go 3 months without reporting.
Consumer complaint received 2022-05-26
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 XXXX this isn't 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX has sold this account with my name attached, to XXXX debt collectors in the last XXXX years. These debt collectors have each reported this debt to the credit reporting agencies and I have had them research and delete the account from my report. But in the mean time it is hindering my ability to purchase anything on credit, as it hit my credit score for a negative XXXX points. 
I have paid off this card and closed this account on XX/XX/2020. Attached is the payment history and last payment of the balance as of XX/XX/2020. The payment history shows no late payments. The amount paid is the amount that was agreed upon in the contract, at signing.
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2021-09-30
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: TRUIST FINANCIAL CORPORATION (GA)

The following companies have used my credit for hard inquiries and I never allowed them permission to use my information or to run my credit. I have contacted the dealships and told them they need to fix this issue and they did not follow up with me. 




XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Regional Acc Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2021-09-30
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: OneMain Finance Corporation (GA)

The following companies have used my credit for hard inquiries and I never allowed them permission to use my information or to run my credit. I have contacted the dealships and told them they need to fix this issue and they did not follow up with me. 




XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Onemain Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX has sold this account with my name attached, to three debt collectors in the last 2 years. These debt collectors have each reported this debt to the credit reporting agencies and I have had them research and delete the account from my report. But in the mean time it is hindering my ability to purchase anything on credit, as it hit my credit score for a negative XXXX points. 
I have paid off this card and closed this account on XX/XX/2020. Attached is the payment history and last payment of the balance as of XX/XX/2020. The payment history shows no late payments. The amount paid is the amount that was agreed upon in the contract, at signing.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Designed Receivable Solutions, Inc. (KS)

XX/XX/XXXX - Filed a dispute due to not having any knowledge of the account existence or that it was going to be sent to collections -Claim was closed on XX/XX/XXXX and account was removed from credit report XX/XX/XXXX -Account was reported again to Credit Bureaus XX/XX/XXXX - Noticed the collections account on credit report and filed a second dispute -Contacted XXXX XXXX XXXX XXXX Was told that they tried to contact us and billed XXXX but the account remained unpaid. Notified the representative that we never received any kind of notification regarding the account being unpaid or that it was going to be sent to collections. Representative said that she could not release any information regarding the account because it is an old account. Requested a copy of the claim document for personal review; was told they can only mail it ( no fax or emailed copies ) -Contacted XXXX XXXX to inquire about the claim. Representative XXXX XXXX XXXX stated that they never received any claim associated with the policyholder. 
-Contacted XXXX ( XXXX XXXX ) to inquire about the claim. Representative stated that they never received any claim associated with the policyholder. 
-Contacted XXXX XXXX to inquire about the claim. Representative XXXX XXXX XXXX stated that they never received any claim associated with the policyholder. Was also advised that if the clinic would like to submit the claim, they would pay. 
XXXX XXXX XXXX stated that they couldnt resubmit the claim because too much time has passed. 

XX/XX/XXXX -Called XXXX XXXX XXXX XXXX XXXX XXXX Notified them of nonexistence claims with all XXXX regions. Requested that they remove the negative reporting from credit report. Lady on the phone said she would notify the manager and call back. Never called back. 
-Called XXXX XXXX back and requested again that negative reporting be removed, as they were illegally reporting a collections bill when they never submitted the claim to the insurance. 
-Was given a claim number and told to call XXXX XXXX to verify. 
-Called XXXX XXXX again. Spoke with Representative ( XXXX ), who advised that there was no claim and the claim number that XXXX XXXX XXXX gave was incorrect because their claim numbers begin with a letter, and the claim number that XXXX gave was all numerical. Was also advised to seek legal advice, as they are illegally reporting because they never filed a claim with the insurance. 
-Notified XXXX XXXX XXXX XXXX we were going to seek legal advice. XXXX ( supervisor ) got on the line and was very aggressive, unprofessional, and rude.
Consumer complaint received 2024-04-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL (MD)

I have called at least 4 times since my mother 's passing trying to get the funds distributed to my brother the beneficary. Each time I have been told I had to be transferred to a trust divsion and they are too busy to talk to me at the time and they will call me. I have gotten no call back from anyone at the bank. I asked to speak to a supervisor, they also were too busy to speak to me. The address on the statement is going to a house that is no longer owned by my mother. I can not even get them to change the address of the statement so it is not going to someone who should have not access to her information. 

My mother passed on XXXX XXXX. I contacted the Sychrony Bank on XX/XX/XXXX and provided the documents requested for the funds to be distributed to myself and my brother. I was told my brother 's share was to be distributed to a trust for him, which I was aware of. I submitted all the paper work they requested at that time. 

I sent additional information that was requested on XX/XX/XXXX by fax as I was instructed to the attention of XXXX. No response and no action I called XX/XX/XXXX and was told I would be called by someone in the XXXX department I called on XX/XX/XXXX and was told I would be called by XXXX that same day. 

I have called today XX/XX/XXXX and was told again that the two people in the XXXX XXXX were very busy and they would call me. 
I have recieved no calls from the bank. NONE!!!!!!!! 

The value of the CD is {$11000.00}. My brother is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He needs these funds as he is on a limited income.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EGL US, LLC (MD)

15 USC 1681 Section 602 States I have the right to privacy.

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

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as te transactions or experiences between the + consumer and the person making the report ; 970 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 purpose.
Consumer complaint received 2022-05-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (MA)

Hello I am writing to you inreguards to my mortgage., XXXX XXXX i filed a XXXX XXXX to stop a forcloser, And now they are forclosing on my home again. I just recived papers from there Lawyer just 2 days ago, The plans they put togather for me to pay back the rears pluse monthly payments were to much for me to pay a monthly, with all the other monthly bills I was paying bankruptcy XXXX XXXX for thee months -and then XXXX the XXXX of month and then XXXX at the end of month plus my monthly mortgage payment, so iam on XXXX is just not enough money, so i am asking for your help with this i have a XXXX XXXX and other XXXX it all just to much, and as well inflation gas food everthing else it just to much it si even harder now Thank You
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CO)

There are 2 public records of Chapter XXXX bankruptcies listed on my credit report. One belongs to myself and the other does not belong to me. 

Case # XXXX does not belong to XXXX XXXX ( legal name ) Case # XXXX does belong to XXXX XXXX ( legal name )