davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-17
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. (AZ)

Hello, My name is XXXX XXXX. I'm writing due to inaccurate information that has not been removed from my credit. I am trying to obtain a house and a car to provide for my family and this is hindering the process to a complete halt. This information on my report is not accurate and should not reflect on my account. I have tried multiple times to receive original proof you guys have showing a physical signature was provided to obtain such accounts which is required. I know the laws, but will not post them in risk the validity of this letter will be compromised. Please remove the following accounts : 1. The following account is not mine XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

2. The following account is not mine XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

3. The following account is not mine XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

4. The following account is not mine XXXX XXXXXXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

5.The following account is not mine XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

6. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

7. The following account is not mine XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

8. The following account is not mine XXXX XXXX Account Number : ************** REMOVE the inaccurate information from my credit report. 

9.The following account is not mine XXXXXXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

I have a young daughter and she does not deserve to be affected by this false information that has been reported to my account. We currently are XXXX  and do not have a way around the Heat XXXX  Arizona unfortunately has to provide. 

These accounts are disastrous to my life and the fact they are not even accurate is the worst part. My home was broken into around XXXX as Arizona State police records will show and I strongly believe thats were these accounts came from. I beg that you reconsider your judgement as I am relentless in getting these unfair demoralizing debts removed. 

Thank you. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-17
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. (MI)

13 inquries were filed on my credit report dates filed : XXXX & XXXX. These lenders has tremendously impacted my credit scores I have 6 collections as well XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (GA)

A PayPal account was opened in 2020 under my name. I have never opened or used pay pal. I reported this to the company and was put in a fraudulent account. Recently I was sent a letter stating I will still be responsible for this account. I have never had a pay pal account. Synchrony bank XXXX XXXX XXXX XXXX, FL. XXXX. XXXX. I also had a XXXX XXXX opened under my name and a j c penny 's card that was not attorized by me to be used. I put all of these under dispute. Have made two police reports, and I am still being ask to pay for these and they are not mine.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I mailed a certified letter XX/XX/XXXX to the Credit Bureau about inaccurate information regarding a 2 XXXX XXXX charged off account with inaccurate balances they responded stating I was not specific with my dispute. XXXX XXXX account XXXX XXXX this is a charged off account which has an inaccurate balance amount also with a past due amount listed has also inaccurate Date of First Delinquency, Date of Last Payment and Payment History please delete this account as it has inaccurate information Tracking # XXXX I also followed up with another letter for my dispute Tracking # XXXX XX/XX/XXXX Also the 3 credit bureau have different account numbers nothing matches I need these items to be removed asap none of the information the credit bureaus match
Consumer complaint received 2022-05-17
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. (MS)

Hi I am submitting this XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent several disputes notifying the company of federal violations. The company continues to recklessly report fraudulent and inaccurate information on my consumer report and refuses to properly investigate my disputes.
Consumer complaint received 2022-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-11-20
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. (CT)

I have had numerous issues with trying to get my credit report to reflect the accurate scores and rating that are consistent with XXXX and XXXX  that utilize the same information and are anywhere from 50-100 points greater than what Equifax reports every month for the past two years regardless of the amount of debt I have paid on the fact that I have an excellent payment history, and regularly monitor my reports. 

Equifax for the past year has scored me at a XXXX ( fair ) rating with little to no improvement despite $ XXXX worth of debt being paid off and maintaining zero late payments, no derogatory information, or collections in comparison to XXXX  that has be at a XXXX and XXXX at a XXXX to date. 

When I call to inquire I get a person from out of the country that simply responds to how credit reporting works and not to try and fix the problem as to why my scores never change in a positive direction. 

They also continue to report a VA derogatory debt collection that was removed by the VA from the other reporting agencies as inaccurate and placed in error as I was on XXXX XXXX XXXX an the debt was accrued and paid through payroll deductions.
Consumer complaint received 2016-02-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (WA)

At the beginning I thought this was fraud and I was suspecting that people were used my credit card for purchasing airline tickets, and I have reported, I learned that I was charged more XXXX time by XXXX XXXX when I purchased an airline tickets, secondly, I also learned that both credit cards that I had were also charged for the same airlines tickets, thirdly, some of purchase were not even authorized by me, and XXXX XXXX charged me many times, and some of the charges they even make sense because it would show that I purchase XXXX tickets for traveling to different places using someone 's name. I was not aware of this, until XXXX when I received a letter from XXXX XXXX insurance company stating that I had an insurance refund that I needed to claim for XXXX and XXXX. I have enclosed a letter and other papers showing all charges that where done by XXXX XXXX. I could n't attach all documents and I will be able to send my mail. 
Thank you for helping.
Consumer complaint received 2022-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

MOHELA intercepted my student loans during consolidation for the purpose of PSLF. As of XX/XX/XXXX, they have restarted my loans at a higher interest, disqualified me from my qualifying payments and cancelling each document I submit. I have been in public service for over ten years with student loans dating back to XXXX. I have filed a complaint with DOE and MOHELA with no response. They do not offer options to resubmit information or recalculate their error. It was a scam for MOHELA to obtain all student loans, gain interest, and complicate the process with no way to track or resolve any issues. I have uploaded employer documentation at least three times and the online portal says " not verified ''. When I call, it goes to an automated line where I have to input my DOB. The response is " your information can not be found ''. I don't know what else to do and the deadline for PSLF is XX/XX/XXXX.
Consumer complaint received 2022-05-17
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. (MS)

Hi I am submitting this XXXX 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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (WA)

I got an email from XXXX, the only big bank I have an account with, on XX/XX/XXXX that there was a new inquiry on my credit. It was from Amex, who I called and they said they had no record of someone trying to open a line of credit under my name with them. Then on XX/XX/XXXX I woke up to 2 new emails about separate credit inquiries, one from XXXX and the other from XXXX XXXX. Both said they received applications, but they got flagged as fraud so did not go through. I then called XXXX to freeze my account and add a fraud alert to prevent further attempts. They said they were removing the three inquiries and that the next step is reporting the fraud to my local PD or through the FTC website, so thats what Im doing here.
Consumer complaint received 2022-05-17
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX a Bank of America Resolution Specialist have contacted us saying the following : " I am your point of contact until this matter is resolved. Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. 
Please contact me on XX/XX/XXXX to confirm that information. '' We called the Specialist on XX/XX/XXXX and we confirmed our identity. 
THIS SPECIALIST DID NOT EVEN TRY TO RESOLVE THIS MATTER. 
SHE SAID THE LOAN IS NOW SERVICED BY XXXX AND SHE GAVE US THE XXXX TELEPHONE NUMBER TO CALL. 
We are disputing the validity of this debt for the reasons already explained in previous complains. 
This matter will not be solved without the involvement of the Justice Department and the CFPB. 
XXXX  and Bank of America are by-passing the root cause of this complain which is the failure of Bank of America XXXXo process our Loss Mitigation Application, resulting in a " snowballing of the debt to unmanageable levels ". 
This debt must be validated, verified and renegotiated in compliance with CFPB regulation F, XXXX XXXX.
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (OK)

I placed an order with a company in XXXX on XX/XX/XXXX. I had 3 payments taken out of my bank account. {$600.00}, {$790.00} and {$1100.00}. The items were never shipped and I have been told in an email that they are not shipping. 
I opened a dispute on XX/XX/XXXX, but the XXXX company told me to close the dispute and they would ship, so on XX/XX/XXXX I closed the dispute.. then they never shipped. I tried to reopen the dispute with proof they were not shipping but Chime will not reopen the case. 
I have talked with XXXX, the company that I paid through with my bank card and they have stated that it is fraudulent and my ban should refund the money. I was not the only person this happened to, however Chime will not comply.
Consumer complaint received 2022-05-17
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. (AZ)

Hello, My name is XXXX XXXX. I'm writing due to inaccurate information that has not been removed from my credit. I am trying to obtain a house and a car to provide for my family and this is hindering the process to a complete halt. This information on my report is not accurate and should not reflect on my account. I have tried multiple times to receive original proof you guys have showing a physical signature was provided to obtain such accounts which is required. I know the laws, but will not post them in risk the validity of this letter will be compromised. Please remove the following accounts : 1. The following account is not mine XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

2. The following account is not mine XXXX/XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

3. The following account is not mine XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

4. The following account is not mine XXXX  XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

5.The following account is not mine XXXX  XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

6. The following account is not mine XXXX XXXXXXXX XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

7. The following account is not mine XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

8. The following account is not mine XXXX XXXX  Account Number : ************** REMOVE the inaccurate information from my credit report. 

9.The following account is not mine XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report I have a young daughter and she does not deserve to be affected by this false information that has been reported to my account. We currently are XXXX and do not have a way around the Heat XXXX  Arizona unfortunately has to provide. 

These accounts are disastrous to my life and the fact they are not even accurate is the worst part. My home was broken into around XXXX as Arizona State police records will show and I strongly believe thats were these accounts came from. I beg that you reconsider your judgement as I am relentless in getting these unfair demoralizing debts removed. Thank you. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTIONS USA, INC. (AZ)

I have given this collector more than sufficient opportunity to provide validation of debt and have yet to receive any validation. I sent a formal letter to the collector in XXXX and didn't recieve validation. I filed a complaint on XX/XX/XXXX with the CFPB and the collector didn't respond until XX/XX/XXXX. They claimed they sent validation via postal mail that day but nothing was received. I asked for the collector to confirm the following and they didn't provide any of it nor have they ceased reporting the supposed debt : -- Please provide a breakdown of fees including any collection costs and medical charges -- Provide a copy of my signature with the provider of service to release my medical information to your company or any individuals within the company. -- Cease any credit bureau reporting until debt has been validated by me.
Consumer complaint received 2015-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MA)

In 2009 we completed a chapter XXXX bankruptcy for credit card debt, we kept both our home and vehicles. We are still living in our home and are still paying for it, we also have since paid off the vehicle and still own that and hold the title for it. However on our credit report it is showing that we lost these things in bankruptcy. We are applying for a loan modification due to the fact that my wife recently lost her job and are unable to move ahead because of this.In XXXX we completed a chapter XXXX bankruptcy for credit card debt, we kept both our home and vehicles. We are still living in our home and are still paying for it, we also have since paid off the vehicle and still own that and hold the title for it. However on our credit report it is showing that we lost these things in bankruptcy. We are applying for a loan modification due to the fact that my wife recently lost her job and are unable to move ahead because of this.
Consumer complaint received 2024-02-15
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.