davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Hello, The problem has not been fixed my two banks can't connect to see my credit report. I can't see anything past XXXX, I'm still missing XXXX, XXXX, and XXXX. Equifax just sent me a physical report which is not what I need. 


PLEASE SEE ATTACHMENT, I logged into the website on the XXXX and the data only goes back to XXXX the issue is not fixed. 

Again Banks can't pull my credit score, I need help fixing the issues. I also tried multiple credit monitoring company they can't see anything as well.
Consumer complaint received 2022-03-22
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. (PA)

I have fraudulent accounts on my credit file and would like them removed. Providing you with identity theft report. I have already provided a police report. XXXX XXXX XXXX is still on my credit report after I have contacted them and you numerous times. XXXX has verified inaccuracies and removed. Why won't you Equifax?
Consumer complaint received 2017-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

XXXX XXXX, XXXX " Step Forward Michigan '' paid my back taxes through a program created by the state. The mortgage company Beneficial Mortgage ( HSBC ) agreed to include my taxes and insurance in an escrow account. The amount included Principal {$390.00}, Interest {$220.00}, Escrow {$750.00}, to be paid each month at 2 % interest until the year XXXX. The total monthly payment {$1300.00}. During XXXX ( HSBC ) sold my mortgage to XXXX XXXX and on XXXX XXXX my payment increased to {$1600.00}. I was informed that ( HSBC ) did not pay the taxes and a balance of {$6600.00} was owed for taxes. I was also informed that there was an outstanding balance for home owners insurance. ( see attached documents ). I was also unaware that ( HSBC ) charged me {$4100.00} for property insurance in XXXX. The XXXX from XXXX XXXX showed that interest was paid but left blank taxes for the year XXXX. Therefore I was unable to claim a deduction for the year XXXX on my tax returns.
Consumer complaint received 2022-12-15
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. (NC)

I've recently sent in a dispute for correction on my credit report, and nothing has changed. it seems XXXX failed to do a proper investigation required by law. Inquries still remains on my credit report ( hard and soft ) as Ive had no business with these organizations. Also charge offs still remains, and late payments hasn't been placed in current status either. I'm sending in XXXX last and final dispute letter before I go into federal courts if XXXX continues to defame my character and cause me more XX/XX/XXXXXXXX. I'm being denied credit due to these inaccuracies of debt. XXXX has assumed a vital role in my consumer affairs, so im demanding that they correct my credit report before a suit be filed against them.
Consumer complaint received 2022-07-07
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX Account # : XXXX High Balance : {$1300.00} Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : 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
Consumer complaint received 2024-04-01
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (NY)

I was at a Best Buy store ; the clerk tried to talk me into a Credit Card. I said No, I don't want one. Instead of letting that go, they registered me as having been DENIED a credit card. This is dragging down my credit rating. 
XXXX XXXX
Consumer complaint received 2017-06-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (NY)

I write to complain about the debt collection conduct of XXXX, XXXX XXXX, and XXXX loan servicing. I owe about {$30000.00} on a private student loan I took out with XXXX to attend XXXX school in XXXX XXXX XXXX. I graduated in XX/XX/XXXX, and was working in the XXXX XXXX XXXX XXXX XXXX XXXX when I XX/XX/XXXX XXXX XXXX The injury occurred two years ago, and as a result I had to stop working. I got XXXX, and, only now have been able to start looking for a job. I have used up my savings as well as the financial good will of my friends and family to maintain payments on these loans. As of XX/XX/XXXX, I no longer can pay the loans. <P/>I called XXXX well before XX/XX/XXXXand advised them of that i was running out of savings and income and that i would need some sort of accommodation until i could find work. XXXX told me I was only entitled to 12 months of forbearance and that I had already used that up sometime during the 9 or 10 years that I have been in repayment. XXXX began calling me in XX/XX/XXXX, telling me i was late on my payment. Every time they called I explained my XXXX XXXX and how it stopped me from working and that I had used up my savings. XXXX then transferred the case to a new servicer, XXXX. XXXX began calling onXX/XX/XXXXXX/XX/XXXX, demanding that I make payments. I continued to explain my financial situation, and asked if there were any options to help. The answer was no. XXXX has since called relentlessly, sometimes several times a day, telling me this isnt a debt you can ignore, and threatening to report me to the credit agency. <P/>I have similar problems repaying loans held by XXXX XXXX.. XXXX gave me one-month forbearance for XX/XX/XXXX, but says I must make six more months of payments before I can access the remaining 3 months of forbearance. This is not possible.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX, XXXX and Experian have 2 addresses reporting on my credit report that do not belong to me : XXXX. XXXX XXXX XXXX, XXXX GA XXXX ; and XXXX. XXXX XXXX XXXX, XXXX XXXX GA XXXX
Consumer complaint received 2022-07-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

XX/XX/XXXX, XXXX {$1000.00} XX/XX/XXXX, XXXX {$500.00} XX/XX/XXXX, XXXX {$500.00} XX/XX/XXXX, XXXX {$550.00} I filed a claim with Wells Fargo, they investigated and stated that because I authorized the transactions, they would do nothing. I did not authorize the transactions to that recipient. The individual receiving was fraudulently using an account. 

Wells Fargo claim Number : XXXX
Consumer complaint received 2021-08-23
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. (MA)

Ok this is XXXX XXXX and this is a amendment to the earlier complaint XXXX OK you ask For additional information on who the complaint was for ok all three Credit bureau 's ok you asked for there address ok Trans union XXXX. XXXX XXXX XXXX Pa XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Ga XXXX ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Tx XXXX ( XXXX .... These are the companies that are in violation and they won't take these inquiries off my personal credit report. For inquiries where are you from business Credit cards they do not have nothing to do with my personal credit. I want these four inquiries for business taking off my personal credit report. There are more inquiries on my credit report that I am disputing that I don't have any knowledge of. So I'm just responding to your request you said I had 24 hours to respond I'm doing just that.
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NY)

ON XX/XX/2022, I MADE MY PAYMENT ON MY DISCOVER CARD IN THE AMOUNT OF XXXX IN A TIMELY MANNER AND THEY SIMPLY REFUSE TO APPLY OR POST MY PAYMENTS IN A TIMELY MANNER. THIS IS A CONSISTENT PROBLEM THAT NEEDS TO BE ADDRESSED AND CORRECTED IN A TIMELY MANNER.
Consumer complaint received 2021-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is supplement to my original complaint. The loans in question were rehabilitated which means that all records of default should have been removed from my report. They are breaking federal law but leaving the record of default on my account. They literally put each loan in twice in order to keep the record of default in. This is in reference to complaint XXXX.
Consumer complaint received 2021-06-14
Product: Student loan — Private student loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SLM CORPORATION (GA)

There is a reported loan on my credit report. The company 's said that I co-sign on their loan. This is not true and I have no idea whom this person is. Sallie Mae XXXX XXXXXXXX, XXXX, DE. XXXX.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (NY)

on or about XXXX of XXXX i started shopping around for auto insurance quotes. although i am happy with my current insurer i was just looking around. i was declined by several insurance companies for accidents on my clue report. apparently there is a bodily injury accident among others reported by XXXX  XXXX XXXX for a XXXX XXXX XXXX on XXXX XXXX in missouri a totally different person, drivers license, etc. XXXX XXXX XXXX referred to me to lexis nexis, whom i contacted initially on XX/XX/XXXX and filed a dispute. i have been told several stories from representatives, the recent one on XX/XX/XXXX where the rep stated that that the information could not be deleted until the insurance company responds. yet another representative advised me that if they dont hear from the insurance that the dispute would be ruled in my favor. different rep from lexis nexis and i get a different story. I have never been insured with XXXX  XXXX XXXX, i never lived in missouri nor did i have any accident with anyone on XX/XX/XXXX or XX/XX/XXXX. i keep getting the run around by lexis nexis and the possibility of incorrect information on my clue report places my insurance and premiums in peril. i also sent a written coppy of my dispute on XX/XX/XXXX 2021
Consumer complaint received 2022-07-07
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: CAINE & WEINER COMPANY, INC. (TX)

In regards to, Caine & Weiner Acct number : XXXX According to 15 U.S. Code 1681 - Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I have a right to privacy and the reporting alone of this alleged debt violates my rights. I did not give consent to this debt collector to report this account. 

Under 15 U.S. Code 1692g - Validation of debts, debts are to be validated by law. This debt has not been validated. The 1st and only communication received from this collection agency was in response to my validation request. They responded with 2 request for payment ( see attachments ). According to the law, a bill does not validate a debt so they continue to violate my consumer rights by reporting an invalidated debt. 


Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 Caine and Weiner further violate my rights and the law by falsely updating the date last active each month because theres been absolutely NO activity on this account. They are illegally prolonging the length of this alleged debt.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

The following addresses are inaccurate and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand under the Fair Credit Reporting Act all information should be correct and accurate.
Consumer complaint received 2019-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

I call experian experian on XXXX thru XXXX to removed a fraud alert, they asked questions that doesn't apply to me, I told them the questions dose not apply to me they said I didn't pass, they just keep giving a hard time to get a fraud alert remove for an auto, I need it to be removed asap, I sent in a request to have it removed, they are still giving me a hard time for my personal information, I need to be removed permanently, they don't have the right information for asking questions that pertain to me.
Consumer complaint received 2022-07-07
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: AMERICAN EXPRESS COMPANY (NJ)

American Express continues to provide false and misleading verification to credit agencies XXXX, XXXX XXXX XXXX even after suspending the right to share reporting. In accordance with Fair Credit Reporting Act, American Express has Violated my rights to share records without my permission. In accordance with Fair Credit Reporting Act, Amex/ American Express Account XXXX XXXX has violated my rights. - Please delete this account based on inaccuracy & because, In accordance with the Fair credit reporting act, American Express Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions.
Consumer complaint received 2022-07-07
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 received a copy of my credit report and noticed some hard inquiries that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-07
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # 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
Consumer complaint received 2021-06-14
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 — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

XXXX XXXX  and XXXX  are my two accounts that are with XXXX XXXX. These accounts went into collections with portfolio. Was told that when These accounts are paid in full they will do a tradeline deletion, this has not happened ... ... XXXX XXXX has been paid since XXXX of XXXX  and XXXX  since XXXX  0f XXXX, portfolio recovery stated that they send the letters to all 3 credit bureaus no tradeline deletion
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Hello i submitted my dispute to the bureaus on XX/XX/2022 and on XX/XX/2022 about an account called XXXX I demanded this account be removed because and to send me verifiable proof of these accounts, any application or documents baring my signature and they have yet to provide me with this information i have been checking my mail everyday for correspondence from the bureaus about this matter but received none yet please help me resolve this matter as now i feel like the only thing i could do is just send a complaint after sending of two letters and receiving no help. This misleading information is ruining me and has caused me a lot of stress.
Consumer complaint received 2021-06-14
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC (TX)

XX/XX/XXXX XXXX CST, I was contacted by ERC , a debt collector, regarding an account of my mother 's. On the caller ID, my mother 's phone number showed up and I believed it to be my mother when a representative of this company introduced herself. She informed me she had my mother 's permission to speak with me and gave me the debt amount of {$150.00} on behalf of XXXX XXXX. I informed her my mother 's phone number showed on caller ID instead of her company which she didn't deny or admit that her company was using spoofing tactics which are illegal. She gave me the company phone number of XXXX and call reference # XXXX. 

The document attached is from my phone bill that proves a call was made at the time given from XXXX which is my mother 's phone number and not ERC who actually called me at that time thus proving they spoofed my mother 's phone number. 

The next day, XX/XX/XXXX, this company spoofed my phone number and called my mother into tricking her to answer. I do not have access to my mother 's account to provide documentation on this. 

I am aware companies may have a different phone number of their company show on caller ID but misrepresenting who they are by spoofing individuals ' phone numbers to trick the person into answering their call is an illegal tactic. This company has done it at least twice with my mother 's account, with multiple phone numbers, proving this is a regular illegal tactic this company is utilizing.
Consumer complaint received 2023-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (WA)

Last year I lost my social security card, suffered identity theft, money was stolen from my bank account, unauthorized charges appear on 2 of my credit cards, 4 hard inquirys I never asked, card was opened fraudulently, they tried to steal my tax return and took out loans in my name, now a collection for a card I've never seen in my life XXXX
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have disputed XXXX XXXX/XXXX  XXXX XXXXXXXX XXXX reporting on all 3 of the major bureaus ' reports, on multiple occasions. XXXX  XXXX XXXX XXXX is reporting different open dates, close dates, high credit amounts, dates last active, and dates of last payment on the 3 bureaus ( XXXX, XXXX, TransUnion ) .
Consumer complaint received 2022-07-07
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: CBC Companies, Inc. (NJ)

Innovis continues to provide false and misleading verification to credit agencies XXXX, XXXX XXXX XXXX even after suspending the right to share reporting. In accordance with Fair Credit Reporting Act, Innovis has Violated my rights sharing records without my permission. Delete Public Record Bankruptcy XXXX XXXX. In accordance with the Fair credit reporting act, XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. - Please delete this account based on inaccuracy & because, In accordance with the Fair credit reporting act, XXXX XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX has Violated my rights. Please Delete XXXX XXXX XXXX  Account from my credit profile. In accordance with the Fair credit reporting act, Company Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX  - I didn't approve double hard Inquiry, XX/XX/XXXX & XX/XX/XXXX - only one credit pull was authorized for this transaction. In accordance with the fair credit reporting act Delete one inquiry. Delete 90 days late on my XXXX XXXX Account. Has Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions.