davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2018-03-01
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)

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED.

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
Consumer complaint received 2022-08-16
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

There is a XXXX XXXX account listed on my credit report erroneously. Each bureau reports a different date last active. 

XXXX is reporting acitivity under the payment history while reporting it charged-off and they also report the date last active as current ( XX/XX/XXXX ) which means it's illegally re-aged XXXX reports the the date last active as XX/XX/XXXX. That means the account is illegally re-aged. Experian reports hte date last active as XX/XX/XXXX. 

if this account has really been verified they would all be reporting the same information and also be reporting the correct way but it's completely not correct and it's violating the FCRA on every level.
Consumer complaint received 2019-02-01
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. (FL)

This is unbelievable, bureaus keep up with incredible reporting practices because they put stuff on my credit file without even informing me ahead of time.. They don't belong to me, I did not have an account with these companies, Please delete the mentioned accounts XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2018-10-24
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. (OH)

I have had some fraud on my credit report I have sent out the paperwork and account information to all three credit bureaus. I have sent in everything I was told to send.The following account are not mines someone has used my personal ID and information to open up several account fraudulently. I have filed a report and I want to know what else does XXXX XXXX, Experian, XXXX  need from me to move this process forward??
Consumer complaint received 2023-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously denied and/or processed my PSLF application incorrectly. Mohela is not even processing my PSLF application. They are closing it as a duplicate or canceling it. There isnt a duplicate or at least an approved one so this pushes the processing time even further due to their mistake.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. 
XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX has violated my rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 con
victions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There is a XXXX XXXX account listed on my credit report erroneously. Each bureau reports a different date last active. 

XXXX is reporting acitivity under the payment history while reporting it charged-off and they also report the date last active as current ( XX/XX/XXXX ) which means it's illegally re-aged Transunion reports the the date last active as XX/XX/XXXX. That means the account is illegally re-aged. XXXX reports hte date last active as XX/XX/XXXX. 

if this account has really been verified they would all be reporting the same information and also be reporting the correct way but it's completely not correct and it's violating the FCRA on every level.
Consumer complaint received 2022-08-28
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. (TX)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

The original call on Citibank on XX/XX/2018 when XXXX did not show up to install the A/c unit. A credit card dispute was then opened with Citicard ( XXXX ). I provided Citibank with the following 4 documentations : 1. XXXX XXXX police report dated XX/XX/2018 XXXX # XXXX by Officer XXXX XXXX Badge # XXXX, 2. original XXXX XXXX XXXX invoice,3. repair invoice from second company ( they stated that a complete replacement was not needed. ) 4.Receipt of {$2000.00} charged by XXXX wife XXXX XXXX XXXX XXXX charged using mobile credit card terminal from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Ca. 
The Citibank sent a letter on XX/XX/2018 saying that they could not honor the dispute. 


the following is My neighbor 's XXXX posting of the incident : XXXX XXXX of XXXX XXXX XXXX XXXX is a CROOK!! He was called to service my AC by the elderly landlords and XXXX came and said the unit 's compressor was bad. He convinced the landlord to put in a new unit and told him it would be {$2500.00}. XXXX told landlord {$2000.00} was to be paid on the spot and {$500.00} when job was completed. He wanted only cash!! He ended up charging landlord 's credit card using his ex-wife 's name and never came back nor did he answer landlords or my calls to find out what happened. Now the elderly couple are struggling to get their money back. He uses false license number too! Police report has been made. WARNING : STAY AWAY FROM THIS SCAM!! I selected one star to be able to post this warning! 

P.S. Other people have been scammed and made Ripp Off Reports online on yelp.
Consumer complaint received 2019-01-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc. (AZ)

On the afternoon of Thursday, XX/XX/XXXX, I entered my information at XXXX indicating my interest in a {$23000.00} personal loan. After completing the information, I was presented with several loan offers. I clicked 'Continue ' on an offer from XXXX. I assumed that they were able to extend these offers after doing a soft-pull on my credit report and that the offers were legitimate and not just click-bait to get you to apply. I was then taken to XXXX 's application page where I completed the rest of the customary loan application information. After hitting the submit button, I was notified by my credit monitoring services that XXXX had done a hard-pull on my XXXX  and XXXX  credit bureaus. This was expected. Then XXXX informed me that my request had been denied. This was NOT expected. If I had thought they were going to deny the application, then I would not have applied. Now I have 2 new inquiries on these bureaus that will affect my score and my ability to borrow funds in the future. If the 'offers ' from XXXX were conditional, they should have made that clear.
Consumer complaint received 2019-01-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (NY)

Attention to : XXXX Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX XXXX  are reported collection account from Receivables Performanc when there is obviously no proof that it even belongs to me! I am not saying this is identity theft, but I am saying is that you are being paid to report all accounts accurately and completely and I know for a fact that you didn't verify this account! Where is the contract with my signature with this Receivables Performanc company? How can XXXX  report this account verified, without contract and without my signature with this company Receivables Performanc? 

Having said this, I need to see all documents that were filled out when this account was opened, including an application or contract or this account needs to be removed. I am certain that I shouldn't have to reference anything because you are required to know the law, but section 609 protects me against false reporting and I should point out here that that is exactly what this is! 

Delete this collection account immediately and send me a new report showing it is been deleted.
Consumer complaint received 2018-03-01
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)

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXXXXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
Consumer complaint received 2017-11-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (CA)

We refinanced our vehicles in XX/XX/XXXX. We signed all the paperwork they needed to process the loans for our XXXX XXXX XXXX and XXXX XXXX XXXX. Since then, every month they send additional documents, needing more signatures, the same paperwork we originally signed. Everytime we get the papers in the mail, we take it to the Wells Fargo, we got the loan at, the banker there, XXXX, faxes the signed copies to them and then calls them to ask if there is anything else they need from us, they tell him no, everything is fine. The next month something else, this is getting really upsetting.
Consumer complaint received 2022-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (OH)

This company is reporting inaccurate information about a collection that should not be reported on my credit reports. 


CREDIT COLLECTION SERVIC Address XXXX XXXX XXXX XXXX, MA XXXX Phone number ( XXXX ) XXXX Account number XXXX
Consumer complaint received 2019-01-25
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. (CA)

XXXX XXXX XXXX # XXXX -each bureau reports a different date of last activity Date XXXX  ShowsXX/XX/XXXX Experian Shows XX/XX/XXXX XXXX  Shows XX/XX/XXXX Experian, XXXX, XXXX is showing a monthly payment as well as a past due on closed account of {$1000.00} how is this possible? ( THIS ACCOUNT NEEDS TO BE DELETED PLEASE ) This is how I know that it wasn't a proper investigation. FCRA is very clear about the law.
Consumer complaint received 2019-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (SC)

I NEED MORE TIME I moved here from XXXX, WA. I've been robbed by a Tax Preparer, 2 Car Dealerships and now by a Bank that had nothing to do with me. The court Judges could care less about the truth, they only care about the Business Owners ; therefore, if don't fall in that category, you're wasting time and court fee money. I've lost over $ 500k due to Business Owners quick talking scams and what seems to be South Carolina Judges receiving some sort of compensation. I wouldn't go to court without supporting documentation, but SC Judges don't seem to have time to review in order to pass fair judgment. I've lived here since XX/XX/XXXX, now I'm told because XXXX  scammed me, I don't have rights unless I hire a Lawyer. If I don't have a Lawyer, my family and I will be put out in the Street in 21 DAYS. I contacted the SC Bar Legal Referral Service, I called the office I was referred to and found that the Lawyer is on XXXX  Leave with his wife. I NEVER had any business with the Bank that sold my home, based on a 2nd Mortgage I never received. I contacted XXXX XXXX, and their Servicer and they had no knowledge of a 2nd Lein Holder. So tell me, HOW THE HECK WAS I SUPPOSED TO KNOW? I started here with XXXX, I was kept in the dark after I spent my thousands of dollars. How can anyone move in 21 days from a home they've lived in for 14years?

I desperately need for someone to intervene with this unfair Judging in this State, with ALL DUE RESPECT. If nothing else, help me get more time to find another place to live and money to pay for it.

I had 1 loan from XXXX. XXXX  sent me a letter telling me what I owe once they took over XXXX. XXXX XXXX XXXX XXXX sold my home claiming I had 2 loans from XXXX. XXXX sent me a Copy the Note.

On XX/XX/XXXX, I was given 21 Days to move out of a home which we have been living in since XX/XX/XXXX. I was informed it was sold due to failure to pay on a 2nd Mortgage, but I only had one Mortgage on this home. I spoke with XXXX XXXX Reps and XXXX   Reps, and every Rep informed me that XXXX XXXX, is the only Investor.

PLEASE HELP ME!!!! Ive reached out to XXXX XXXX and was finally told to contact XXXX XXXX XXXX XXXX. Ive never had any dealings with XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX sold my home on a 2nd Mortgage which XXXX XXXX, XXXX XXXX, XXXX, nor myself had any knowledge of after XXXX XXXX took over XXXX. I've reached out to a Lawyer through XXXX, but was told he is on XXXX  leave with his wife ; therefore, I didn't receive a return call. I only have a few days and, I only need someone to contact the Judge for more time to move. It's not going to be easy to move 13 years of life in 21 days. I continued to contact a XXXX XXXX Rep, for information regarding what was going on, but they didn't give me any information until after the house was sold by XXXX XXXX XXXX XXXX XXXX.

Respectfully, XXXX XXXX