davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In this carefully orchestrated dance of finance and privacy, my right not to have my-personal information unjustly shared finds backing in 15 USC 6801 . The clause articulates that every financial institution, ( which, in this case, includes the Furnisher of information to credit agencies ), has an unyielding obligation to maintain the sanctity of their customers ' privacy and to shield their nonpublic personal information. 
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 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
Consumer complaint received 2022-05-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2021-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (OH)

It was reported by I.Q. Data International that I owed a debt of over {$2800.00} for the property XXXX XXXX in XXXX, FL. I contacted I.Q. Data International on XX/XX/XXXX and explained that my statement of deposit from XXXX XXXX indicated that I owed {$1300.00}. I provided a copy of the statement by email to management, XXXX XXXX, on that date. I subsequently made 2 payments equal to {$1300.00}. I was told that this would close my account and they would mail me a receipt and do a " Pay to delete '' of this account from my credit report. After 3 weeks of no correspondence with I.Q. Data International, I called to inquire why there were no changes to my account. I was told that the original owner of the debt, XXXX XXXX, would need to concur that this debt was paid and they had no communication from them. I was also told that they could take as long as they wanted. I then reached out to XXXX XXXX on XX/XX/XXXX, where I was told that my debt was to the previous property management team, XXXX XXXX. The property has been under new management since XXXX of XXXX and there is no record of my debt with the new property management. I have contacted XXXX Properties and have been unable to reach anyone other than a answering machine. I have emailed twice to email XXXX with no response. I would like my account to be resolved as promised and removed from my record.
Consumer complaint received 2023-09-25
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. (TX)

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 Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ================================== 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX Notification from XXXX XXXX about Your Credit Card Application Indicates a score an XXXX Credit Score of XXXX. 
XXXX is not reporting this score!! 
Multiple unauthorized inquiries by auto dealerships in order to attempt to acquire vehicle funding to sell vehicles. 
I DID NOT AUTHORIZE THESE INQUIRIES!!
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
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. (KY)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I filed for XXXX XXXX Bankruptcy case number XXXX. XXXX was included in the Bankruptcy. On XXXX of XXXX I had the case dismissed against myself and started calling the creditors to start paying them for the full amount owed prior to going into bankruptcy. On XX/XX/XXXX I called XXXX to pay the amount of {$2500.00} in full ; however, they referred me to their attorney 's office XXXX XXXX XXXX. I made a payment for the fully amount owed with confirmation number XXXX. XXXX is now hitting my credit stating that this account was a charge off and no payment was ever made. I have called on multiple occasions and I am not getting any assistance or response back.
Consumer complaint received 2022-05-18
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. (CA)

On XX/XX/XXXX I filed for XXXX XXXX Bankruptcy case number XXXX. XXXX was included in the Bankruptcy. On XXXX of XXXX I had the case dismissed against myself and started calling the creditors to start paying them for the full amount owed prior to going into bankruptcy. On XX/XX/XXXX I called XXXX to pay the amount of {$2500.00} in full ; however, they referred me to their attorney 's office XXXX XXXX XXXX. I made a payment for the fully amount owed with confirmation number XXXX. XXXX is now hitting my credit stating that this account was a charge off and no payment was ever made. I have called on multiple occasions and I am not getting any assistance or response back.
Consumer complaint received 2022-05-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2024-03-12
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. (FL)

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 2022-05-18
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. (MI)

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 XXXX. 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 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (MI)

PNC makes it purposefully difficult to set up and auto pay regiment, cant make a payment on a credit card online or mobile app and refuse to waive ridiculous {$27.00} late fee.. almost as if it is all by design just to collect late fees. Called and tried to make my minimum payment but they refuse to remove their ridiculous late fees.
Consumer complaint received 2023-04-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Kikoff Inc. (TX)

I called to dispute a transaction that occuree on XXXXXXXX  for XXXX they said they dont see it but also cant tell me where all my money went in my back account i tried to call 10 times and they always blow me off telling me no sup is available and to email them instead. I want my money back for something i did not authorize. I asked for a sup multiple times and they tell me no sups are available to call back on XXXX  but they still have my money and cant tell me where it went. I want my money back yesterday
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

This follow-up complaint aims to resolve the issue of remaining items on my credit reports. Again, it was observed that previous items remained unaddressed. The following details are the items identified for removal : -- -- -- -XXXX  : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX -EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I request the removal of these items in accordance with the Fair Credit Reporting Act. Should any other items not listed here exist, I ask for their prompt removal as well. According to Section 605B ( a ) of the Fair Credit Reporting Act, any data initiated without my consent, knowledge, or authority is required to be deleted within four business days, given the submission of ( 1 ) proof of my identity, ( 2 ) an FTC report copy, ( 3 ) my identification of such information, and ( 4 ) my statement disputing any transactions related to me. My latest FTC report, # XXXX, is attached for your reference.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the XXXX Credit Bureaus in an attempt to receive update of the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2023-06-01
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. (CA)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to FCRA Section 605B ( a ) the Experian shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-07-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

This company took over the original lenders balance. I was never told who or anything until just recently. I was told by original lender they was selling the property because it was in foreclosure. They never reported it to be in foreclosure on my credit report all this time and instead have continued to say I am missing payments every month for several years now which is not true. I was told they was selling the property because it was in foreclosure. Have not received any paperwork from them either but they are extremely damaging my credit hen I have not been kept in the loop for years now. I have not lived on said property for over 5 years. I saw in local newspaper last year that the property was on the auction block and till never heard anything on this. Not even an update. They are saying I owe over XXXX now with all the additional charges they added after they took the loan over but I was never informed of that either. When they bought the loan from original lender it was in foreclosure, not they are ruining my credit.
Consumer complaint received 2022-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (NM)

In XXXX of 2017, check copy enclosed. BNY Mellon cashed a check and my mortgage company did not received the funds. Mortgage company is XXXX, ( Check enclosed ). When the check was cashed and not credited to me from XXXX, XXXX issued a bad credit rating to me for over 5 years. This caused serious damage to my credit.
Consumer complaint received 2019-01-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (WI)

on XX/XX/18 i found an XXXX XXXX from a website ( XXXX  ) i've used before without issue. the seller claimed the phone was an XXXX XXXX, pictures reflected same and would work on my XXXX account. seller was selling phone for {$180.00} which i sent funds via western union  MTCN XXXX. 

Phone arrived weeks after that to my surprise the shell of phone looks like the XXXX XXXX but upon booting up the phone nothing inside is XXXX rather what seems to be XXXX or another type of software. seller communicated what did you expect for {$180.00}. well iphones are made in XXXX so logically it is possible that costs of phones there are in that price range. seller said they'd accept a return for refund of {$180.00} but I needed to pay for shipping not them.

shipped phone back via usps XXXX XXXX on XX/XX/18 for {$23.00} to Scheduled Delivery Date : XX/XX/2018 Shipped to : XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX For whatever reason the package sat in XXXX forever, then usps couldnt locate the package, claiming that since the insurance was at {$0.00} ( requested by seller ) they couldnt reimburse me and its lost. 

Then about 2 months ago after 3 months of hearing nothing the package in its entirety arrives at my home. communicated with seller upon receipt of package and said they'd take it back again but then never heard anything when I said i add insurance of {$180.00} to not get screwed but who knows if it would get refused or not picked up at all. 

i have screenshots of the phone, the seller, the website, transaction data, emails, etc. 

http : XXXX? XXXX http : XXXX tried filing a fraud claim through western union but it keeps erroring out. phone is still in original and received packaging unchanged. seller sold through XXXX seller received payment by western union
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

XX/XX/XXXX  XXXX XXXX XXXX account in the amount of XXXX reported late payments on my account when 15 USC 1666B states they can not report a late payment unless they send a statement within 21 days of my payment. Also 15 USC 6802B was violated for the simple fact my information was suppose to be protected and not disclosed to third party contact.
Consumer complaint received 2019-07-28
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. (FL)

I have been paying a {$30000.00} consolidated student loan since XX/XX/01. 18 years and 2 months. 

I recently calculated my payments using the Navient Account History for the Life of the Loan. I have paid {$52000.00} ; {$18000.00} in principle, and {$33000.00} interest. 

Navient says I still owe them {$20000.00}.