davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-15
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. (NJ)

Hi my name is XXXX XXXX XXXX. I am filing this complaint completely for my self. I have not received any assistance in filing this complaint. My consumer report has violations that have caused me and my family harm. XXXX ( Account # XXXX ) is in direct violation of 15 USC 168s-2 ( a ) ( 1 ) ( E ) ( ii ) The amounts {$3300.00} ; {$3500.00} ; {$6500.00} ; {$5300.00} of this loan have competed the rehabilitation process. Delete now.
Consumer complaint received 2018-04-10
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: Chek Cash, Inc. (TX)

on XX/XX/18 I got a email alert from credit bureau that a loan company from a unknown source had accessed my XXXX XXXX credit report in violation of [ fair credit reporting act ] with a hard inquiry sending my score down.i have not applied for any credit any where.nor have I gave permission to anyone to do so.
Consumer complaint received 2022-03-15
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. (NJ)

Hi my name is XXXX XXXX XXXX. I am filing this complaint completely for my self. I have not received any assistance in filing this complaint. My consumer report has violations that have caused me and my family harm. DEPARTMENT OF EDXXXXXXXX XXXX ( Account # XXXX ) is in direct violation of 15 USC 168s-2 ( a ) ( 1 ) ( E ) ( ii ) The amounts {$6700.00} ; {$5600.00} ; {$1100.00} ; {$1000.00} ; {$7700.00} ; {$3900.00} ; {$7900.00} ; {$2600.00} ; {$10000.00}, {$2000.00} ; {$14000.00} ; {$24000.00} of this loan have competed the rehabilitation process. Delete now.
Consumer complaint received 2022-03-15
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. (NJ)

Hi my name is XXXX XXXX XXXX. I am filing this complaint completely for my self. I have not received any assistance in filing this complaint. My consumer report has violations that have caused me and my family harm. DEPARTMENT OF ED/XXXX XXXX ( Account # XXXX ) is in direct violation of 15 USC 168s-2 ( a ) ( 1 ) ( E ) ( ii ) The amounts {$6700.00} ; {$5600.00} ; {$1100.00} ; {$1000.00} ; {$7700.00} ; {$3900.00} ; {$7900.00} ; {$2600.00} ; {$10000.00}, {$2000.00} ; {$14000.00} ; {$24000.00} of this loan have competed the rehabilitation process. Delete now.
Consumer complaint received 2021-04-14
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. (FL)

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-06-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC (FL)

NATIONAL RECOVERY AGENCY is illegally misrepresenting the date of the original debt so that it appears newer on my credit report, which creates a negative effect on my report. Due to the date of the original debt it should not have a negative effect but because NATIONAL RECOVERY AGENCY misrepresented the date it is.
Consumer complaint received 2022-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (NJ)

I have contacted aidvantage with a conditional acceptance on XX/XX/2022. With the tracking number XXXX I received notification that they are my new student loan servicer now instead of Navient. I have requested that they provide the original instrument of indebtedness in its original form between them and I. And I have yet to receive a response. It is close to going over the terms of the postal rule. I need the proof original instrument between us to continue its agreement.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

Ive sent in a letter to Experian with my state Id bank statement, and proof of address to update my personal information and Experian refused to remove address Ive never lived, or update my personal information
Consumer complaint received 2024-03-06
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2022-03-15
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. (IL)

Late payments being reported on my credit report that's almost 4 years old. Needs to be removed as this is being reported and technically against the law. Please look below at 15 U.S.Code 1681a ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated In the exclusions it says in ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions and experiences are meaning that of transactions and payments history
Consumer complaint received 2021-04-14
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. (FL)

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-03-15
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. (IL)

Late payments being reported on my credit report that's almost 4 years old. Needs to be removed as this is being reported and technically against the law. Please look below at 15 U.S.Code 1681a ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated In the exclusions it says in ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions and experiences are meaning that of transactions and payments history
Consumer complaint received 2021-07-26
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: R.M. Galicia, Inc. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Late payments being reported on my credit report that's almost 4 years old. Needs to be removed as this is being reported and technically against the law. Please look below at 15 U.S.Code 1681a ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 


( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated In the exclusions it says in ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions and experiences are meaning that of transactions and payments history
Consumer complaint received 2019-07-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (FL)

The company has reported to the credit bureaus that I have an overdue bill that has not been paid and is now in collections. I have not been notified in writing by this company and they call me on a weekly basis. I have asked them to please send something in writing and they ask me for my personal information and when I refuse to do so, they hang up on me. 

I want written proof and verification to settle if valid but how can I do that if they will not send me in writing.
Consumer complaint received 2022-03-15
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. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.
Consumer complaint received 2022-02-09
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-03-06
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. (MO)

15 U.S. Code 1681eb I reviewed my consumer reports and noticed that I have late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never late on payments for the accounts that I have included screenshots inside this complaint. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late and this account is paid in full. This company is not reporting my payments and have inaccurate dates and inaccurate reporting across the board. Please see screenshots attached :
Consumer complaint received 2022-03-15
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. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.
Consumer complaint received 2021-04-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (OH)

We applied for a Loan Modification Application with our lender over a year ago. We have made payments that we agreed to in the loan modification agreement. In attention we were asked to make some changes to the title. After over year of making the monthly payments in addition to contacting Selene Finance for updates our loan modification application. We were told that it is still in process and once the pandemic hit that the process will take longer than expected. On XX/XX/XXXX we received a notice that the loan modification was denied due to " title issues '' - no further explanation was explained. We tried to call for further explanation and continued to receive the run around over the phone or get transferred to a different department. We are extremely frustrated and confused after waiting so long for a decision that now the case is closed and we are unable to get anyone over the phone to explain to use what " title issues '' are they referring too and etc.
Consumer complaint received 2024-03-06
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. (GA)

I don't know where this XXXX XXXX account come from or why it is showing on my XXXX and Transunion credit report. Please assist me in getting this account removed from my reports.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (CA)

Credit card company Goldman Sachs Banks USA has disputed to issue refund after the merchant XXXX issued refund of {$1200.00} on XX/XX/23 to my Goldman Sachs credit card. I have provided all the evidence from XXXX of proof of payment and Goldman Sachs is refusing to issue my refund to my account.
Consumer complaint received 2022-03-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Finance Company, Inc. (CO)

I sent a validation letter to professional finance on XX/XX/XXXX, requesting Validation of Debt and HIPAA authorization. On XX/XX/XXXX, I received a response, a printout of a statement from University XXXX XXXX, and a letter from Prof finance refusing to provide proof to validate the debt. Which is a violation of The Health Insurance Portability and Accountability Act of XXXX ( HIPAA ) Privacy and Security Rules. 

Not only did they refuse to provide proper documents, they violated Fair Debt Collection Practices Act XXXX ( 1 ). '' They provided me with a statement from the provider which is a total of {$730.00}, and trying to collect {$1300.00}. Again refusing to provide any documentation of where this extra {$570.00}. is coming from. 

I sent a cease and desist and requested removal from my credit report and have never heard back from them. This is now 6 months without it being removed or a response from them.
Consumer complaint received 2022-03-15
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: Experian Information Solutions Inc. (CA)

I did not authorize nor consent to the following inquiries being furnished on my consumer reports : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX and XXXX - XX/XX/XXXX.