davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-21
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. (FL)

Hey, XXXX all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of XXXX 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2024-03-07
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. (TX)

15 U.S. C CODE1681 ( b ) and 1681c-2 I never gave a written consent to report accounts that are identity theft.

I have asked for Method of Verification or signed documents with my signature on it from all credit Transunion, XXXX and XXXX after the dispute results stated that the account verified it belong to me. It has been past XXXX and they have failed to provide method of verification that debt belongs to me. 

I have attached my FTC report stating these accounts were open by fraud and made a police report as well.
Consumer complaint received 2021-06-13
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. (NC)

XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2015-05-27
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (FL)

Ordered paintings, used paypal as payment method. Paintings arrived XXXX month later damaged. Paypal awarded claim XXXX {$.00} XXXX month later paypal decided in sellers favor and took XXXX $ out of account without explanation, when I tried to fight back that paintings arrived damaged and seller already claimed insurance via USPS my claim was denied. Paypal buyers protection policy is a joke.
Consumer complaint received 2021-06-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Reliant Capital Solutions, LLC (IA)

XXXXXXXX XXXX XXXX XXXX is trying to collect on XXXX XXXX  that were not included in the Cares Act. However, all of the loans I have are supposed to be in forbearance. I was contacted by a collector via email about loans for them and XXXX XXXX. There was no notification that it was a notice to collect a debt/ to verify the debt, so even that practice is not being followed. As someone who has been hospitalized for their mental health over student loans, talking about which actually makes the schools and other alumni bully me, I did not want contact from them to collect a debt as it triggers my XXXX. So, when they run rampant and collect freely, they have no concern for anyones mental health ; its just the school wants their money.
Consumer complaint received 2022-10-11
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. (FL)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-07-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: NAVY FEDERAL CREDIT UNION (MI)

Navy federal credit union threaten to report my car stolen when I was unable to make payments. I stopped driving the car, thinking they would just come get the car. It was stolen and I never reported it as stolen based on them telling me they were going to report the car stolen against me. For years they tarnished my credit even still even though this occurred almost 7 years ago. They report inaccurate information to the credit bureaus and have kept me in a state where I havent been able to recover. I had XXXX insurance I was going had filed for XXXX with the XXXX while this was happening I was working due to my XXXX and couldnt make the payments. I am now XXXX XXXX XXXX when I tried to get them to honor the XXXX insurance they refuse. Ive written to the ceo to no avail. I saw they had to pay I deserve some of it due to their business practices. Please help! I still have the recored conversations.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is extremely urgent.

I have been working on these items since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( the same as the above XXXX XXXX XXXX ) This issue is causing a serious problem with me closing on my mortgage loan. I requested all XXXX credit bureaus to remove the dispute comments and they are still showing and costing me each time my mortgage lender pulls my credit. 

The bureaus keep saying that they have removed moved and when the lender pulls the reports from XXXX XXXX XXXX XXXX XXXX XXXX. These dispute comments have to be removed for the lenders to close my loan. I was supposed to close on XX/XX/2024 and this problem is placing me in jepordy of losing my large down payments and earnest money. I CAN NOT move forward with my loan without this being resolved ASAP.
Consumer complaint received 2022-12-02
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. (GA)

I have sent several disputes in to dispute a account that is inaccurately still reporting on my credit report. It has been deleted off two of the three reports. They have failed to properly investigate this account and continue to send a automated response. 
The account is XXXX XXXX XXXX, {$1100.00} XX/XX/2016.
Consumer complaint received 2022-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hey, XXXX all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of XXXX 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2018-07-03
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. (GA)

CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$83.00} CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2300.00} CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2300.00} CREDITOR : XXXX XXXX XXXX   ACCOUNT # : XXXX AMOUNT : {$400.00} CREDITOR : XXXX XXXX   ACCOUNT # : XXXX AMOUNT : {$2200.00} XXXX Account # : XXXX Amount : {$2200.00} CREDITOR : XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$420.00} CREDITOR : XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2000.00}
Consumer complaint received 2018-07-03
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. (GA)

CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$83.00} CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2300.00} CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2300.00} CREDITOR : XXXX XXXX XXXX   ACCOUNT # : XXXX AMOUNT : {$400.00} CREDITOR : XXXX XXXX   ACCOUNT # : XXXX AMOUNT : {$2200.00} XXXX Account # : XXXX Amount : {$2200.00} CREDITOR : XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$420.00} CREDITOR : XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2000.00}
Consumer complaint received 2018-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

Navient received two payments from my bank one on XX/XX/18 and one on XX/XX/18. They refunded one of the payments on XX/XX/18 but did not post my payment to my account. They say they never received the second payment, that my bank refused to pay it. I have sent copies of my bank statements and a letter from the bank confirming that both payments were sent and only one was refunded but they still refuse to post the payment to my account. I have sent this information numerous times to no avail.
Consumer complaint received 2016-03-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (MO)

Please note-I have the recorded call on file and it was disclosed to the company that I was recording. I called Hunter Warfield to come to a resoluation on some lease break fees I had with an apartment complex called XXXX XXXX. The representative told me the total amount due was {$2100.00} and that I can settle for half of that amount. Unfortunately, I was unable to accept the settlement but began to question the amount because my last statement was {$1800.00} and there was nothing written in the contract for additional interest charges should my account go into collection. I told the representative that I will pay the amount actually owed and I want to make a payment arrangement. She told me I ca n't just do what I want, If I want to pay the original amount due, it has to be paid in full. I told her that that is not fair debt collection practice and that I am only contractually obligated to the {$1800.00} and we can set up an arrangement from that. She asked me in a condensing told " if I wanted help or not. '' I told her she can not refuse my payments. We went back and forth a few times and she ended up telling me to have a good day and she hung up on me.
Consumer complaint received 2021-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I opened an HSBC account back in XXXX of XXXX and I was notified by HSBC that my account will be closing. On XXXX of XXXX I went to local branch in XXXX XXXX California they took copies of my identification and told me that they cant help me because accounts were opened online. I called the customer service number and I was told branch can help me. XX/XX/XXXX I was told account is closed and funds have been sent in form of a check. I waited XXXX, XXXX, XXXX, XXXX and now we are in XXXX to this day I have not received anything. On Thursday XX/XX/XXXX I went to XXXX California local branch of hsbc bank asking them about the status of the account and I was told they cant help. Then I called the customer and he assured me that branch can help me. I went to the branch and I was told thats a lie. HSBC has been lying and keeping/holding my funds when they have no grounds to do such thing. The very last person I spoke with the bank he assured me that I will Get the money back however nothing has been received. Here is information for your reference : XXXX  operator ID. XXXX Thank you
Consumer complaint received 2021-06-13
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. (TX)

I have accounts that I did not open on my credit report and none of my credit reports match. I also disputed 4 times in one year ( XXXX-XXXX  ) to get these items off my account. I know by law my credit report should have the same information on all three and it doesnt. I need these inaccurate accounts removed.
Consumer complaint received 2019-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX/XXXX   XXXX, XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2022-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (FL)

I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

A collection Agency called XXXX XXXX is reporting an account to all three credit bureaus as open in XXXX. I have disputed this several times in the past few years that the account is not mine and no one has sent any proof of the account. My credit file a few years ago showed this account as closed in XXXX, yet now XXXX XXXX has changed from closed to open, more than once causing my credit score to drop XXXX or more points. The credit reporting agencies are not doing anything but accepting the word of the collection agency without any proof of this account being opened by me and the collection agency XXXX XXXX refuses to report it was closed by XXXX XXXX in XXXX the credit reporting agencies XXXX , XXXX and Experian , are only stating on my file that the dispute was resolved but consumer disagrees. 

This is very wrong!
Consumer complaint received 2022-02-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (WA)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-06
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: EQUIFAX, INC. (TN)

MY PERSONAL INFORMATION WAS COMPROMISED AGAIN LAST YEAR AND MY CELL PHONE NUMBER WAS HACEKD AND SPOOFED AND SOMEONE HAS USED MY INFORMATION TO OPEN UP LOANS AND FRAUDULENT ACCOUNTS USING MY SOCIAL SECURITY NUMBER AND I HAVE A POLICE REPORT ALONG WITH MY FTC REPORT TO PROVE THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT THE NEXT STED I WILL BE TAKING IS TO GET MY LAWYERS INVOLVED TO STOP THIS FRAUDULENT ACTIVITY THAT EQUIFAX JUST KEEPS ALLOWING TO TAKE PLACE ON MY CREDIT REPORTS AS THIS IS THE REASON I MY EQUIFAX CREDIT REPORT WILL NOT ALLOW ME TO USE MY CREDIT FOR BUYING A HOME BECAUSE THERE FRAUDULENT ACCOUNTS THAT ARE NOT BEING DELETED AS YOU ARE IN COMPLETE VIOLATION OF 15 U.S. CODE 1681C AND THERE ARE UNAUTHORIZED INQUIRIES ON ALL 3 OF MY CREDIT REPORTS THAT NEED TO BE DELETED IMMEDIATELY 1. 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 2021-06-13
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. (NY)

What does following the law to your company mean to you? You are suppose to protect me as a consumer but instead your are treating me like the villan. I am a victim of identity theft and I have for the last couple weeks have been giving all the information needed for you to help me resolve the matter. You have responded with laws from the FCRA but you are misusing them. You must study the law and come to the realization that you are wrong. According to the FCRA you must have a valid submission/statement from all parties involve in the matter of this investigation. Since we don't know who cause this horrific crime on my report. There is no evidence for these accounts to stay on my report. The data furnishers can not validate the debt because my information is ofcourse going to be the same because my identity was stolen. According to the FCRA U.S Code 1681c-2 you have to Block information resulting into identity theft within 4 days of receipt. You can not reasonably validate these accounts there is no way to justify this. Protect me and protect my family.
Consumer complaint received 2022-03-21
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. (MD)

I had T-Mobile service for XXXX month prior to canceling my account. I paid my bill in full. Somehow, XXXX opened a second account in my name, when I realized they were double charging me I asked them to fix it and they said they closed the second account. Now, they are claiming I owe money on that account. I initially called and they said that my bill was paid and when I asked them to check the account number on the bill I was told that the account was canceled and they were unable to see it. I them sent them a letter certified mail ( XX/XX/2019 ) asking for a detailed bill showing where I owed XXXX, which they failed to provide. I received a letter from a collection agency on XX/XX/2019 for {$91.00}. I then contacted the FTC ( XXXX ) to report the issue. I disputed the validity of the collection under XXXX XXXX XXXX with both XXXX and Equifax. XXXX allowed me to upload documentation showing the debt was invalid and already disputed, but Equifax did not. Equifax said that the debt was valid which is not true and and I should not be held responsible for a mistake on the part of XXXX.
Consumer complaint received 2023-07-20
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: AMERICAN EXPRESS COMPANY (NY)

I'm having a problem with someone applying for American express credit cards in my name to my address. I have no reason to apply for XXXX American express cards when I'm trying to build my credit! purposely trying to leave hard inquiries on my account to XXXX me over!
Consumer complaint received 2022-12-03
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. (AZ)

Transunion sent me a letter, a stall letter They are asking for more verification even though I created the letter and sent the letter myself to Transunion. They are holding up the investigation of my complaint by not even conducting a complete investigation of the issues that I raised with them. Their hold up is effectively holding back XXXX and XXXX from conducting their investigations as well.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.