davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction or removal due to inaccurate reporting in my file. 
XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-05
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. (WI)

Experian has been holding an inaccurate, fraudulent account on my credit report ( XXXX XXXX opploans, account number : XXXX ) for a long time now and refuses to remove it. This has brought trauma and hardship to my family. Ive submitted an FTC report, and disputed this account many of times. Please order experian to remove this account now!
Consumer complaint received 2024-02-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FC HoldCo LLC (TX)

FLAGSHIP CREDIT ACCEPTANCE received an application from the estate and it was transferred and deposited into their financial institution which then the financial asset which serves as the security is supposed to be registered upon books in which it belongs. This note which is the security belongs to the estate that I am guardian/trustee over and Flagship Credit Acceptance is profiting from the estate property from the interest that the note makes monthly. Equity does not perish the estate is entitled to compensation since the goods received were seized.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-09
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. (TN)

I'm in the market for a new car and I was told to check my credit report before I went to the dealership. I checked my credit report and I noticed a few items that I didn't authorize. I've reached out to the FTC and to my local police department and I am doing this on my own behalf. Again these items are not mine and I need these items deleted from my credit report. XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2022-05-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (TX)

I CANCEL THE MONEY THAT I SEND OVER SEA TO XXXX ON THE XX/XX/XXXX MONEY TO MY LOVE ONE. SO I CANCEL THE MONEY ON THE XX/XX/XXXX. PAY PAL GAVE ME AN EMAIL THAT THEY DID CANCEL, BUT THEY DID NOT INFORM ME ABOUT MY MONEY BEING RETURN TO ME. MY NAME IS XXXX XXXX, THE CASE NUMBERS IS XXXX.
Consumer complaint received 2017-09-07
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. (FL)

XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX2017 I PAID {$19.00} A MONTH FOR XXXX ONLINE SERVICES TO MY CREDIT REPORTS. I CAN NOT ACCESS THOSE PURCHASED REPORTS NOW, AND I BELIEVE I AM ENTITLED TO HAVE ACCESS TO THEM. ASLO, I FEEL THAT I AM WORKING CONSIDERABLY HARD TO PAY BACK SOME THINGS ON MY REPORTS AND I DO NOT FEEL THAT EITHER EXPERIAN, XXXX, OR XXXX IS TRULY WORKING FOR ME AS A CONSUMER MUCHLESS, BE RESPONSIBLE TO HOLD MY FINANCIAL RECORDS AND HISTORY ACCORDING TO HOW THEY FEEL LIKE IT.. I NEED MY CREDIT SCORES CHECKED WITH ALL 3 COMPANIES. I HAVE PAID OFF SOME BILLS, HOWEVER THEY LOWERED MY SCORE BACK TO THE SAME AS IT WAS WHEN I STARTED. I BELIEVE MONITORING BETWEEN THE THREE, AND MY DISPUTES MAY HAVE ENTERED INCORRECTLY, NO MATTER HOW THOROUGHLY I EXPLAINED IT. IT LOOKS AS THOUGH I WAS PUNISHED BY DISPUTING DEBT AMOUNTS.
Consumer complaint received 2022-05-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

Tried to file dispute with Experian, XXXX and XXXX for incorrect payment history on XXXX account XXXX XXXX, their online system did not allow me to file dispute. I am within my rights pursuant to FCA to file dispute.
Consumer complaint received 2017-09-07
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)

XX/XX/XXXX, XX/XX/XXXXAND XX/XX/XXXX2017 I PAID {$19.00} A MONTH FOR XXXX ONLINE SERVICES TO MY CREDIT REPORTS. I CAN NOT ACCESS THOSE PURCHASED REPORTS NOW, AND I BELIEVE I AM ENTITLED TO HAVE ACCESS TO THEM. ASLO, I FEEL THAT I AM WORKING CONSIDERABLY HARD TO PAY BACK SOME THINGS ON MY REPORTS AND I DO NOT FEEL THAT EITHER XXXX, XXXX, OR TRANSUNION IS TRULY WORKING FOR ME AS A CONSUMER MUCHLESS, BE RESPONSIBLE TO HOLD MY FINANCIAL RECORDS AND HISTORY ACCORDING TO HOW THEY FEEL LIKE IT.. I NEED MY CREDIT SCORES CHECKED WITH ALL 3 COMPANIES. I HAVE PAID OFF SOME BILLS, HOWEVER THEY LOWERED MY SCORE BACK TO THE SAME AS IT WAS WHEN I STARTED. I BELIEVE MONITORING BETWEEN THE THREE, AND MY DISPUTES MAY HAVE ENTERED INCORRECTLY, NO MATTER HOW THOROUGHLY I EXPLAINED IT. IT LOOKS AS THOUGH I WAS PUNISHED BY DISPUTING DEBT AMOUNTS.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (VA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late purpose. 
+ XXXX
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: ALLIED SECURITY LLC (CA)

Im sick of you guys reporting inaccurate things and or things that are not suppose to be on there per XXXX  state law I dunno where u got this Information but its false or has been dropped to traffic infractions u even said I had a driving on suspended in a car in XXXX that hasnt even ran since XXXX LIES YOU GUYS ARE AFFECTING MY JOBS THE NEXT STEP IS GON NA BE A LAWYER CONTACTING YOU TO SUE U FOR LOSING JOBS AND LYING ABOUT ME AND DISCLOSING INFORMATION THAT IS NOT SUPPOSED YO BE ON THERE FUNNY THING IS I HAVE HAD TWO FROM U IN A FEW MONTHS BOTH REPORTS ARE DIFFERENT KINDA FUNNY HUH I WANT TO SPEAK TO SOMEONE PLEASE CONTACT ME PLEASE and shows XXXX tickets in XXXX  which XXXX a XXXX  lie I never got two tickets in XXXX
Consumer complaint received 2024-01-19
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: EQUIFAX, INC. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I Was XXXX  -and then finally XXXX  -by the High Court on XX/XX/XXXX  - I submitted a request with Transunion -with all the court documents -to remove all adverse information from my credit report Nothing Happened i phoned the call center person told me -even if i am " rehabilitated '' the adverse information must stay on my credit report -i consulted with my Attorney and the Advocate -both confirmed -everything must be removed -as per the XXXX High court order i phoned again -lodged an complaint -to ensure that this person does not actually now do this Nothing happened Phoned again -insisted to speak to the team leader XXXXthat immediately told me -they did send my XXXX  order to the wrong place -it has to go to the sequestration department -and she even send me n e mail -stating its urgent Nothing happened -and now this lady was on leave so in order for them to clear my name Transunion work on the same system as the master of the high court i had to wait for all documents to be scanned in onto their system, then they printed it for me, and i send it to the credit br. 

so for them to clear my name -they have to sit -log on -see my details are correct and clear my name -about at most 5min but they tell me they are " waiting '' for feedback -but the information is on their Pc 's why are we now going into week 3 -for this to happen
Consumer complaint received 2017-09-07
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. (NY)

Follow up to XXXX XXXX 's response to COMPLAINT ID XXXX : 7 accounts in varied amounts originated bXXXX XXXX XXXX  are reported on several credit reports belonging to myself. Information on these accounts have been reported erroneously according to the XXXX. This data was disputed in XX/XX/XXXXand was not removed nor changed. An Experian credit report generated in XX/XX/XXXX lists XXXX XXXX as the creditor at that time. Sometime after this report, XXXX XXXX began to appear in XXXX XXXX  place. The XXXX XXXX accounts were closed and paid in full in XX/XX/XXXX. I had never even heard of XXXX XXXX until it appeared on my credit report. After doing some research I learned how XXXX XXXX broke off from XXXX XXXX in XX/XX/XXXX. I have contacted both companies via postal mail, phone, email, disputes by XXXX, and finally by filing complaints through the Department of Education and the Consumer Financial Protection Bureau. XXXX XXXX never had the authorization to obtain my credit information or personal data. XXXX XXXX never had the authorization to give this data to XXXX XXXX. In addition, both companies continue to report the same accounts on my credit reports depending on which agency you use. XXXX XXXX response in the CFPB investigation was that the accounts were not theirs so the issue was not either. I have a lot of ink that proves otherwise. In addition, you will see that beginning in XX/XX/XXXXthe screen shots show that the accounts were 90 days late yet the month prior was current. This is also a clear discrepancy and erroneous reporting. The information can not possibly be accurate.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my first endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

It has been some time now that I have been trying to solve these many problems with the bureaus/agencies/creditors/debt collectors. At this point it is necessary for me to move forward with legal action and demand that the agencies remove the items that I have listed. I am leveraging my rights under Federal Law to make sure that these agencies are held accountable for their actions and right these wrongs
Consumer complaint received 2023-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (DC)

I paid {$100000.00} to Freedom Mortgage on XX/XX/2023, to reduce my principal and reach the 20 % equity threshold to avoid paying additional private mortgage insurance ( PMI ) premiums. Freedom Mortgage forced me to pay a {$100.00} fee to remove PMI, which was not disclosed beforehand. However, the main issue is that these payments were never considered in my XXXX account. 

A month later, I got letters from Freedom Mortgage and XXXX indicating that my mortgage was transferred to the latter finance company. Freedom Mortgage continued charging me for mortgage insurance, and my {$100000.00} disappeared. 

Only to understand this mess, I spent over XXXX hours talking with my accountant, my lawyer, and employees at Freedom Mortgage and XXXX. I wasted even more time explaining to XXXX that it was illegal not to reduce my principal by {$100000.00}. They did this in XXXX.
Consumer complaint received 2022-05-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

On XX/XX/2022 I logged in to my Coinbase account, then went to take a shower when getting out and looking at the phone Coinbase site I noticed that someone tried to make a transaction I immediately called because their was no transaction and they still can't find it but have sold my crypto to pay XXXX for a transaction that they said didn't go through and have sold XXXX of my crypto but I still have nothing to show for it, they said the account have been compromised but say it's my fault, by not resolving the issue.
Consumer complaint received 2017-09-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (IL)

The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/17 and are proceeding to sale set for XX/XX/2017 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the client 's right to counsel.
Consumer complaint received 2024-03-09
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. (AZ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (GA)

I the Creditor Conn Appliances Inc with address of XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX last week on or around XX/XX/2023. I advised a representative on a recorded line that the reason for my call was that I had noticed on my credit report from XXXX, XXXX and XXXX they had reported account # XXXX was reported as a charge off and also showing a balance for {$4500.00}. I requested the Creditor Conns to send me a 1099-C form since the had charged off them account. I kept getting transferred and the last representative. I spoke with said the debt was now being handled by a 3rd party. I advised Conn Appliances that I never signed any contract with this 3rd party, neither did I authorize the 3rd party to handle this account. I also never authorized my account to be reported to Credit Reporting Agencies verbally orally or in writing. I advised that IRS guidelines require a creditor/lender to provide a 1099-c form for any forgiven/written off/discharged over {$600.00}. I also contacted XXXX, XXXX and XXXX and disputed the accuracy of this charged off account and requested it be deleted.
Consumer complaint received 2022-05-05
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. (NC)

An account was open into my name and when contacted the merchant they told me i am responsible for the account without no proof of the account being mine. They also reported it on my report which is tremendously impacting my score. I need them to remove it if they have no proof that the debt belongs to me.
Consumer complaint received 2017-09-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

As of XXXX XXXX, 2017 I owe Navient over {$12000.00} and counting. Over the years I have had more than my fair share of bad luck. I suffer from XXXX XXXX, XXXX, and XXXX. I was never able to stay on jobs for long because of my condition. I have tried other ways to become financially independent by enrolling in XXXX XXXX last year. The program was free since I am a ACCESS recipient. I completed my course requirements this year and I 'm hoping to take my passion for XXXX far. I am on public assistance and I do n't get that much, and I have XXXX XXXX to care for as well. Every time I have been put on Forbearance, I was told that I would n't have to pay, yet I was n't informed that I would continue to accrue interest on my loan. Now I 'm worried that I 'll never get out of this hole that I 'm in. I did n't even have a chance to finish what I started because money ran out and I was told that I needed to take out another loan. Which my parents refused to cosign on.
Consumer complaint received 2019-07-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (NJ)

First, I did not utilize the benefits ( Discover Payment Protection Plan ) on the account to keep the account open. There are over {$1000.00} worth of fraudulent charges on the account. I have them listed below. Secondly, I am able to pay about {$40.00} a month. There are other customers, at Discover Card, paying {$40.00} a month on their account. He is being discriminatory. He may be racist. My health is failing and I need to purchase a used vehicle very soon. I would not like this fraudulent balance on credit report. He did not notify me of my account closing, he said it was caused from one or two things. Anyhow, he closed the account unlawfully. I had this account for 18 years, however, when people are busy with other accounts they tend to not look over their statements accurately.